{"text_format":"1","workbook":"xlsx","n_sheets":25,"sheets":["Checklist","Lists","Notes","Filing Information","Rate Schedule","Summary","Rate Change Details","Assumption Support","LR Projections -->","Total","A","B","C","D","F","HDF","G","HDG","K","L","M","N","Pre","Oth1","Oth2"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":3,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Checklist","index":0,"n_rows":195,"n_cols":14,"rows_kept":195,"cut":false,"hidden":true,"merged":[[34,6,34,10],[32,6,32,10],[33,6,33,10],[13,2,13,10],[14,5,14,6],[16,2,16,10],[17,5,17,6],[27,6,27,10],[28,6,28,10],[29,6,29,10],[30,6,30,10],[31,6,31,10],[0,4,0,10],[2,4,2,10],[4,4,4,10],[43,4,46,10],[118,2,119,2],[7,4,7,11],[53,2,55,2],[35,6,35,10],[36,6,36,10],[38,6,38,10],[71,4,72,10],[22,6,22,10],[23,6,23,10],[24,6,24,10],[25,6,25,10],[26,6,26,10],[120,2,122,2],[157,4,158,10],[81,4,82,10],[96,4,97,10],[102,4,112,10]]}
[null,null,"Company Name"]
[]
[null,null,"State Tracking #"]
[]
[null,null,"Reviewing Analyst"]
[]
["Rates and Rules Review",null,null,null,null,null,null,null,null,null,null,null,null,"Workbook Password:"]
[null,null,"Item",null,"Comments",null,null,null,null,null,null,null,null,"SCDOIMS"]
[]
[null,null,"Final Disposition:"]
[]
[null,null,"Note: Analyst must ensure that both the SERFF Status and State Status are changed to reflect the action taken."]
[]
[null,null,"I have reviewed this filing as documented in this checklist and relied upon the information provided by the company as well as the company's assertion that the proposed rates are not unreasonable in relation to the benefits provided.  It appears that acceptable methodologies were used.  Furthermore, the proposed rates appear to be compliant with applicable laws, regulations, and bulletins."]
["Analyst:",null,null,null,"Date:"]
[]
[null,null,"In the capacity as the Director's designee, and in accordance with the applicable laws and regulations of the State of South Carolina, I concur with the recommendation made by the analyst regarding this filing's disposition."]
["Manager:",null,null,null,"Date:"]
[]
[]
[null,null,"Interrogatories",null,"Link to tab"]
[]
[null,null,"1) Provide the State Tracking Numbers of the Company's last two rate filings (including disapproved or withdrawn filings).",null,{"$f":"'Filing Information'!D23","v":0}]
[null,null,"2) Provide the State Tracking Number of the Company's most recent refund calculation filing. Check that their  refund calculation has been filed on time (by May 31 for the prior year's experience)",null,{"$f":"'Filing Information'!D24","v":0}]
[null,null,"Have you issued any refunds resulting from minimun loss ratios in the last five years in SC?",null,{"$f":"'Filing Information'!D25","v":0}]
[null,null,"3) Per Bulletin 2009-22, provide the filing fee that would be charged for a similar filing in the company's state of domicile. Check that the filing fee has been paid",null,{"$f":"'Filing Information'!D26","v":0}]
[null,null,"4) If the filing is for 1990 plans – Does the company have any Medicare Supplement 2010 standard plans?",null,{"$f":"'Filing Information'!D27","v":0}]
[null,null,"If the filing is for 2010 plans – Does the company have any Medicare Supplement 1990 standard plans?",null,{"$f":"'Filing Information'!D28","v":0}]
[null,null,"If the company has both 1990 and 2010 plans, does the company charge the same amount, adjusting for benefit differences for 2010 standardized and pre-2010 standardized plans?",null,{"$f":"'Filing Information'!D29","v":0}]
[null,null,"If no, is there an exhibit included in the actuarial memo that compares 1990 and 2010 rates by plan and explains the differences?",null,{"$f":"'Filing Information'!D30","v":0}]
[null,null,"5) For 2010 plans, is there an exhibit included in the actuarial memo that compares the rates between Plans C vs D and/or Plans F vs G and explains the difference? (e.g. benefit differences, experience, new guaranteed issues rights starting in 2020, and originally filed lifetime loss ratios)",null,{"$f":"'Filing Information'!D31","v":0}]
[null,null,"6) Do you charge fees for payment by credit card?",null,{"$f":"'Filing Information'!D32","v":0}]
[null,null,"If Yes, in accordance with Bulletin 2006-08 and 2013-11, all fees being charged must be disclosed to the insured prior to purchase of the policy. In addition, any consequences for failure to pay such fees should also be explained.",null,{"$f":"'Filing Information'!D33","v":0}]
[null,null,"How is the policyholder advised of the credit card fee?",null,{"$f":"'Filing Information'!D34","v":0}]
[null,null,"What are the consequences of failure to pay such fees?",null,{"$f":"'Filing Information'!D35","v":0}]
[null,null,"The specific contract with the Credit Card company must be provided that states the percentage of the charge. The company cannot charge a fee higher than what they are being charged.",null,{"$f":"'Filing Information'!D36","v":0}]
[null,null,"If you have previously provided a copy of this contract to the Department, Is it still inforce with no alterterations?",null,{"$f":"'Filing Information'!D37","v":0}]
[null,null,"Provide the State Tracking Number of that filing",null,{"$f":"'Filing Information'!D38","v":0}]
[null,null,"Otherwise, has a copy of this contract been provided in the filing (may be marked as confidential)?",null,{"$f":"'Filing Information'!D39","v":0}]
[]
[]
[null,null,"Previous Filing"]
[]
[null,null,"Review documentation from most recent rate filing for this program"]
[null,null,"Troubles/Issues with filing"]
[null,null,"Notable Patterns"]
[null,null,"Any questions, elements, methods or objections marked on previous checklist as points to be raised in this filing?"]
[]
[]
[null,null,"Summary",null,"Link to tab"]
[]
[null,null,"Review the proposed changes by plan on the 'Summary' tab",null,null,"SC Policies","NW Policies","Requested","Approved"]
[null,null,"Note plans with higher/lower requested increases",null,"Plan A",{"$f":"_xlfn.XLOOKUP($E53, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E53, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E53, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,"While normalized premiums are typically lower in SC than NW, there can be actuarially justified reasons for SC to be higher due to experince and historic rate increases.",null,"Plan B",{"$f":"_xlfn.XLOOKUP($E54, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E54, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E54, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan C",{"$f":"_xlfn.XLOOKUP($E55, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E55, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E55, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan D",{"$f":"_xlfn.XLOOKUP($E56, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E56, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E56, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan F",{"$f":"_xlfn.XLOOKUP($E57, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E57, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E57, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan HD-F",{"$f":"_xlfn.XLOOKUP($E58, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E58, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E58, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan G",{"$f":"_xlfn.XLOOKUP($E59, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E59, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E59, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan HD-G",{"$f":"_xlfn.XLOOKUP($E60, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E60, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E60, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan K",{"$f":"_xlfn.XLOOKUP($E61, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E61, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E61, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan L",{"$f":"_xlfn.XLOOKUP($E62, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E62, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E62, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan M",{"$f":"_xlfn.XLOOKUP($E63, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E63, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E63, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Plan N",{"$f":"_xlfn.XLOOKUP($E64, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E64, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E64, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Pre-Standardized",{"$f":"_xlfn.XLOOKUP($E65, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E65, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E65, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,null,{"$f":"_xlfn.XLOOKUP($E66, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E66, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E66, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,null,{"$f":"_xlfn.XLOOKUP($E67, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E67, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E67, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,null,{"$f":"_xlfn.XLOOKUP($E68, Summary!$11:$11, Summary!$16:$16, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E68, Summary!$11:$11, Summary!$17:$17, \"\", 0)","v":0},{"$f":"_xlfn.XLOOKUP($E68, Summary!$11:$11, Summary!$24:$24, \"\", 0)","v":0}]
[null,null,null,null,"Overall",{"$f":"Summary!$C$31","v":0},{"$f":"Summary!$C$32","v":0},{"$f":"Summary!$C$33","v":{"$error":"#DIV/0!"}},{"$f":"SUMPRODUCT(I53:I68, F53:F68)/F69","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,"Comments"]
[]
[]
[]
[null,null,null,null,"Additional Exhibits"]
[]
[]
[]
[]
[null,null,"Rate Change Details",null,"Link to tab"]
[]
[null,null,"Review the requested rate change by state."]
[null,null,"Is SC is an outlier? If so, is it noted and justified in the actuarial memo?"]
[]
[null,null,"Review the history of rate change in SC.",null,{"$f":"'Rate Change Details'!J12","v":"Year"},{"$f":"'Rate Change Details'!K12","v":"Amt (%)"}]
[null,null,"Note frequency of rate increases exceeding trend or rate passes (0%), etc.",null,{"$f":"'Rate Change Details'!J13","v":2026},{"$f":"'Rate Change Details'!K13","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J14","v":2025},{"$f":"'Rate Change Details'!K14","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J15","v":2024},{"$f":"'Rate Change Details'!K15","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J16","v":2023},{"$f":"'Rate Change Details'!K16","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J17","v":2022},{"$f":"'Rate Change Details'!K17","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J18","v":2021},{"$f":"'Rate Change Details'!K18","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J19","v":2020},{"$f":"'Rate Change Details'!K19","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J20","v":2019},{"$f":"'Rate Change Details'!K20","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J21","v":2018},{"$f":"'Rate Change Details'!K21","v":0}]
[null,null,null,null,{"$f":"'Rate Change Details'!J22","v":2017},{"$f":"'Rate Change Details'!K22","v":0}]
[]
[]
[]
[]
[]
[null,null,"Assumption Support / Projection Assumptions",null,"Link to tab","Link to tab"]
[]
[null,null,"Are the provided assumptions reasonable?"]
[null,null,"Medical & Ageing Trend assumptions should be reasonable compared to past experience or other sources"]
[null,null,"The issuer should state the basis of lapse rates and whether or not they consider mortality. If mortality is not considered separately, the ultimate lapse rate used should equal or exceed mortality rates"]
[null,null,"Interest must be considered in calculating the anticipated lifetime and future loss ratios, otherwise loss ratios will be overstated. The interest rates should be reasonable; a minimum level would be appropriate valuation interest rates."]
[]
[null,null,"Are there variances between the original pricing assumptions and the projection assumptions in the loss ration demonstrations?"]
[null,null,"If so, are these explained in the actuarial memo?"]
[]
[null,null,"Do the Medical Claim PMPMs support the current medical trends used in projections?"]
[]
[null,null,"Other Rate Components - have items like area factors, household discounts, etc changed since the last filing? Has that change been explained?"]
[]
[]
[null,null,"Loss Ratio Demonstrations",null,"Link to tab"]
[null,null,null,null,null,"!$G$63","!$G$64","!$G$65","!$G$100","!$G$101","!$D$20"]
[null,null,"Review projected and lifetime loss ratios.",null,"South Carolina"]
[null,null,"Lifetime LRs must meet or exceed the originally filed lifetime loss ratio for the policy",null,null,null,"w/o Increase",null,"w/ Increase",null,"Pricing"]
[null,null,null,null,null,"Historic LR","Projected LR","Lifetime LR","Projected LR","Lifetime LR","Lifetime LR"]
[null,null,"Credibility should be considered when reviewing, in MLR rebates there is no credibility given where lifetime policy years < 500. Use national experience where SC is not credible.",null,"Plan A",{"$f":"INDIRECT(RIGHT($E121,LEN($E121)-FIND(\" \",$E121))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E121,LEN($E121)-FIND(\" \",$E121))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E121,LEN($E121)-FIND(\" \",$E121))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E121,LEN($E121)-FIND(\" \",$E121))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E121,LEN($E121)-FIND(\" \",$E121))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E121,LEN($E121)-FIND(\" \",$E121))&K$117)","v":0}]
[null,null,null,null,"Plan B",{"$f":"INDIRECT(RIGHT($E122,LEN($E122)-FIND(\" \",$E122))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E122,LEN($E122)-FIND(\" \",$E122))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E122,LEN($E122)-FIND(\" \",$E122))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E122,LEN($E122)-FIND(\" \",$E122))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E122,LEN($E122)-FIND(\" \",$E122))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E122,LEN($E122)-FIND(\" \",$E122))&K$117)","v":0}]
[null,null,null,null,"Plan C",{"$f":"INDIRECT(RIGHT($E123,LEN($E123)-FIND(\" \",$E123))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E123,LEN($E123)-FIND(\" \",$E123))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E123,LEN($E123)-FIND(\" \",$E123))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E123,LEN($E123)-FIND(\" \",$E123))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E123,LEN($E123)-FIND(\" \",$E123))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E123,LEN($E123)-FIND(\" \",$E123))&K$117)","v":0}]
[null,null,null,null,"Plan D",{"$f":"INDIRECT(RIGHT($E124,LEN($E124)-FIND(\" \",$E124))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E124,LEN($E124)-FIND(\" \",$E124))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E124,LEN($E124)-FIND(\" \",$E124))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E124,LEN($E124)-FIND(\" \",$E124))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E124,LEN($E124)-FIND(\" \",$E124))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E124,LEN($E124)-FIND(\" \",$E124))&K$117)","v":0}]
[null,null,null,null,"Plan F",{"$f":"INDIRECT(RIGHT($E125,LEN($E125)-FIND(\" \",$E125))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E125,LEN($E125)-FIND(\" \",$E125))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E125,LEN($E125)-FIND(\" \",$E125))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E125,LEN($E125)-FIND(\" \",$E125))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E125,LEN($E125)-FIND(\" \",$E125))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E125,LEN($E125)-FIND(\" \",$E125))&K$117)","v":0}]
[null,null,null,null,"Plan HDF",{"$f":"INDIRECT(RIGHT($E126,LEN($E126)-FIND(\" \",$E126))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E126,LEN($E126)-FIND(\" \",$E126))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E126,LEN($E126)-FIND(\" \",$E126))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E126,LEN($E126)-FIND(\" \",$E126))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E126,LEN($E126)-FIND(\" \",$E126))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E126,LEN($E126)-FIND(\" \",$E126))&K$117)","v":0}]
[null,null,null,null,"Plan G",{"$f":"INDIRECT(RIGHT($E127,LEN($E127)-FIND(\" \",$E127))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E127,LEN($E127)-FIND(\" \",$E127))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E127,LEN($E127)-FIND(\" \",$E127))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E127,LEN($E127)-FIND(\" \",$E127))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E127,LEN($E127)-FIND(\" \",$E127))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E127,LEN($E127)-FIND(\" \",$E127))&K$117)","v":0}]
[null,null,null,null,"Plan HDG",{"$f":"INDIRECT(RIGHT($E128,LEN($E128)-FIND(\" \",$E128))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E128,LEN($E128)-FIND(\" \",$E128))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E128,LEN($E128)-FIND(\" \",$E128))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E128,LEN($E128)-FIND(\" \",$E128))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E128,LEN($E128)-FIND(\" \",$E128))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E128,LEN($E128)-FIND(\" \",$E128))&K$117)","v":0}]
[null,null,null,null,"Plan K",{"$f":"INDIRECT(RIGHT($E129,LEN($E129)-FIND(\" \",$E129))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E129,LEN($E129)-FIND(\" \",$E129))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E129,LEN($E129)-FIND(\" \",$E129))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E129,LEN($E129)-FIND(\" \",$E129))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E129,LEN($E129)-FIND(\" \",$E129))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E129,LEN($E129)-FIND(\" \",$E129))&K$117)","v":0}]
[null,null,null,null,"Plan L",{"$f":"INDIRECT(RIGHT($E130,LEN($E130)-FIND(\" \",$E130))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E130,LEN($E130)-FIND(\" \",$E130))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E130,LEN($E130)-FIND(\" \",$E130))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E130,LEN($E130)-FIND(\" \",$E130))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E130,LEN($E130)-FIND(\" \",$E130))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E130,LEN($E130)-FIND(\" \",$E130))&K$117)","v":0}]
[null,null,null,null,"Plan M",{"$f":"INDIRECT(RIGHT($E131,LEN($E131)-FIND(\" \",$E131))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E131,LEN($E131)-FIND(\" \",$E131))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E131,LEN($E131)-FIND(\" \",$E131))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E131,LEN($E131)-FIND(\" \",$E131))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E131,LEN($E131)-FIND(\" \",$E131))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E131,LEN($E131)-FIND(\" \",$E131))&K$117)","v":0}]
[null,null,null,null,"Plan N",{"$f":"INDIRECT(RIGHT($E132,LEN($E132)-FIND(\" \",$E132))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E132,LEN($E132)-FIND(\" \",$E132))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E132,LEN($E132)-FIND(\" \",$E132))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E132,LEN($E132)-FIND(\" \",$E132))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E132,LEN($E132)-FIND(\" \",$E132))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E132,LEN($E132)-FIND(\" \",$E132))&K$117)","v":0}]
[null,null,null,null,"Plan Pre",{"$f":"INDIRECT(RIGHT($E133,LEN($E133)-FIND(\" \",$E133))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E133,LEN($E133)-FIND(\" \",$E133))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E133,LEN($E133)-FIND(\" \",$E133))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E133,LEN($E133)-FIND(\" \",$E133))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E133,LEN($E133)-FIND(\" \",$E133))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E133,LEN($E133)-FIND(\" \",$E133))&K$117)","v":0}]
[null,null,null,null,"Plan Oth1",{"$f":"INDIRECT(RIGHT($E134,LEN($E134)-FIND(\" \",$E134))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E134,LEN($E134)-FIND(\" \",$E134))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E134,LEN($E134)-FIND(\" \",$E134))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E134,LEN($E134)-FIND(\" \",$E134))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E134,LEN($E134)-FIND(\" \",$E134))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E134,LEN($E134)-FIND(\" \",$E134))&K$117)","v":0}]
[null,null,null,null,"Plan Oth2",{"$f":"INDIRECT(RIGHT($E135,LEN($E135)-FIND(\" \",$E135))&F$117)","v":0},{"$f":"INDIRECT(RIGHT($E135,LEN($E135)-FIND(\" \",$E135))&G$117)","v":0},{"$f":"INDIRECT(RIGHT($E135,LEN($E135)-FIND(\" \",$E135))&H$117)","v":0},{"$f":"INDIRECT(RIGHT($E135,LEN($E135)-FIND(\" \",$E135))&I$117)","v":0},{"$f":"INDIRECT(RIGHT($E135,LEN($E135)-FIND(\" \",$E135))&J$117)","v":0},{"$f":"INDIRECT(RIGHT($E135,LEN($E135)-FIND(\" \",$E135))&K$117)","v":0}]
[null,null,null,null,"Total",{"$f":"INDIRECT($E136&F$117)","v":0},{"$f":"INDIRECT($E136&G$117)","v":0},{"$f":"INDIRECT($E136&H$117)","v":0},{"$f":"INDIRECT($E136&I$117)","v":0},{"$f":"INDIRECT($E136&J$117)","v":0},{"$f":"INDIRECT($E136&K$117)","v":0}]
[null,null,null,null,null,"!$Q$63","!$Q$64","!$Q$65","!$Q$100","!$Q$101","!$N$20"]
[null,null,null,null,"Nationwide"]
[null,null,null,null,null,null,"w/o Increase",null,"w/ Increase",null,"Pricing"]
[null,null,null,null,null,"Historic LR","Projected LR","Lifetime LR","Projected LR","Lifetime LR","Lifetime LR"]
[null,null,null,null,"Plan A",{"$f":"INDIRECT(RIGHT($E141,LEN($E141)-FIND(\" \",$E141))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E141,LEN($E141)-FIND(\" \",$E141))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E141,LEN($E141)-FIND(\" \",$E141))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E141,LEN($E141)-FIND(\" \",$E141))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E141,LEN($E141)-FIND(\" \",$E141))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E141,LEN($E141)-FIND(\" \",$E141))&K$137)","v":0}]
[null,null,null,null,"Plan B",{"$f":"INDIRECT(RIGHT($E142,LEN($E142)-FIND(\" \",$E142))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E142,LEN($E142)-FIND(\" \",$E142))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E142,LEN($E142)-FIND(\" \",$E142))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E142,LEN($E142)-FIND(\" \",$E142))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E142,LEN($E142)-FIND(\" \",$E142))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E142,LEN($E142)-FIND(\" \",$E142))&K$137)","v":0}]
[null,null,null,null,"Plan C",{"$f":"INDIRECT(RIGHT($E143,LEN($E143)-FIND(\" \",$E143))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E143,LEN($E143)-FIND(\" \",$E143))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E143,LEN($E143)-FIND(\" \",$E143))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E143,LEN($E143)-FIND(\" \",$E143))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E143,LEN($E143)-FIND(\" \",$E143))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E143,LEN($E143)-FIND(\" \",$E143))&K$137)","v":0}]
[null,null,null,null,"Plan D",{"$f":"INDIRECT(RIGHT($E144,LEN($E144)-FIND(\" \",$E144))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E144,LEN($E144)-FIND(\" \",$E144))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E144,LEN($E144)-FIND(\" \",$E144))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E144,LEN($E144)-FIND(\" \",$E144))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E144,LEN($E144)-FIND(\" \",$E144))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E144,LEN($E144)-FIND(\" \",$E144))&K$137)","v":0}]
[null,null,null,null,"Plan F",{"$f":"INDIRECT(RIGHT($E145,LEN($E145)-FIND(\" \",$E145))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E145,LEN($E145)-FIND(\" \",$E145))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E145,LEN($E145)-FIND(\" \",$E145))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E145,LEN($E145)-FIND(\" \",$E145))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E145,LEN($E145)-FIND(\" \",$E145))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E145,LEN($E145)-FIND(\" \",$E145))&K$137)","v":0}]
[null,null,null,null,"Plan HDF",{"$f":"INDIRECT(RIGHT($E146,LEN($E146)-FIND(\" \",$E146))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E146,LEN($E146)-FIND(\" \",$E146))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E146,LEN($E146)-FIND(\" \",$E146))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E146,LEN($E146)-FIND(\" \",$E146))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E146,LEN($E146)-FIND(\" \",$E146))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E146,LEN($E146)-FIND(\" \",$E146))&K$137)","v":0}]
[null,null,null,null,"Plan G",{"$f":"INDIRECT(RIGHT($E147,LEN($E147)-FIND(\" \",$E147))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E147,LEN($E147)-FIND(\" \",$E147))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E147,LEN($E147)-FIND(\" \",$E147))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E147,LEN($E147)-FIND(\" \",$E147))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E147,LEN($E147)-FIND(\" \",$E147))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E147,LEN($E147)-FIND(\" \",$E147))&K$137)","v":0}]
[null,null,null,null,"Plan HDG",{"$f":"INDIRECT(RIGHT($E148,LEN($E148)-FIND(\" \",$E148))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E148,LEN($E148)-FIND(\" \",$E148))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E148,LEN($E148)-FIND(\" \",$E148))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E148,LEN($E148)-FIND(\" \",$E148))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E148,LEN($E148)-FIND(\" \",$E148))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E148,LEN($E148)-FIND(\" \",$E148))&K$137)","v":0}]
[null,null,null,null,"Plan K",{"$f":"INDIRECT(RIGHT($E149,LEN($E149)-FIND(\" \",$E149))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E149,LEN($E149)-FIND(\" \",$E149))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E149,LEN($E149)-FIND(\" \",$E149))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E149,LEN($E149)-FIND(\" \",$E149))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E149,LEN($E149)-FIND(\" \",$E149))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E149,LEN($E149)-FIND(\" \",$E149))&K$137)","v":0}]
[null,null,null,null,"Plan L",{"$f":"INDIRECT(RIGHT($E150,LEN($E150)-FIND(\" \",$E150))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E150,LEN($E150)-FIND(\" \",$E150))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E150,LEN($E150)-FIND(\" \",$E150))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E150,LEN($E150)-FIND(\" \",$E150))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E150,LEN($E150)-FIND(\" \",$E150))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E150,LEN($E150)-FIND(\" \",$E150))&K$137)","v":0}]
[null,null,null,null,"Plan M",{"$f":"INDIRECT(RIGHT($E151,LEN($E151)-FIND(\" \",$E151))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E151,LEN($E151)-FIND(\" \",$E151))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E151,LEN($E151)-FIND(\" \",$E151))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E151,LEN($E151)-FIND(\" \",$E151))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E151,LEN($E151)-FIND(\" \",$E151))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E151,LEN($E151)-FIND(\" \",$E151))&K$137)","v":0}]
[null,null,null,null,"Plan N",{"$f":"INDIRECT(RIGHT($E152,LEN($E152)-FIND(\" \",$E152))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E152,LEN($E152)-FIND(\" \",$E152))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E152,LEN($E152)-FIND(\" \",$E152))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E152,LEN($E152)-FIND(\" \",$E152))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E152,LEN($E152)-FIND(\" \",$E152))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E152,LEN($E152)-FIND(\" \",$E152))&K$137)","v":0}]
[null,null,null,null,"Plan Pre",{"$f":"INDIRECT(RIGHT($E153,LEN($E153)-FIND(\" \",$E153))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E153,LEN($E153)-FIND(\" \",$E153))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E153,LEN($E153)-FIND(\" \",$E153))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E153,LEN($E153)-FIND(\" \",$E153))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E153,LEN($E153)-FIND(\" \",$E153))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E153,LEN($E153)-FIND(\" \",$E153))&K$137)","v":0}]
[null,null,null,null,"Plan Oth1",{"$f":"INDIRECT(RIGHT($E154,LEN($E154)-FIND(\" \",$E154))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E154,LEN($E154)-FIND(\" \",$E154))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E154,LEN($E154)-FIND(\" \",$E154))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E154,LEN($E154)-FIND(\" \",$E154))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E154,LEN($E154)-FIND(\" \",$E154))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E154,LEN($E154)-FIND(\" \",$E154))&K$137)","v":0}]
[null,null,null,null,"Plan Oth2",{"$f":"INDIRECT(RIGHT($E155,LEN($E155)-FIND(\" \",$E155))&F$137)","v":0},{"$f":"INDIRECT(RIGHT($E155,LEN($E155)-FIND(\" \",$E155))&G$137)","v":0},{"$f":"INDIRECT(RIGHT($E155,LEN($E155)-FIND(\" \",$E155))&H$137)","v":0},{"$f":"INDIRECT(RIGHT($E155,LEN($E155)-FIND(\" \",$E155))&I$137)","v":0},{"$f":"INDIRECT(RIGHT($E155,LEN($E155)-FIND(\" \",$E155))&J$137)","v":0},{"$f":"INDIRECT(RIGHT($E155,LEN($E155)-FIND(\" \",$E155))&K$137)","v":0}]
[null,null,null,null,"Total",{"$f":"INDIRECT($E156&F$137)","v":0},{"$f":"INDIRECT($E156&G$137)","v":0},{"$f":"INDIRECT($E156&H$137)","v":0},{"$f":"INDIRECT($E156&I$137)","v":0},{"$f":"INDIRECT($E156&J$137)","v":0},{"$f":"INDIRECT($E156&K$137)","v":0}]
[]
[]
[]
[]
[]
[null,null,"Rules"]
[]
[null,null,"SERFF General Information Tab"]
[null,null,"Was it filled out correctly?"]
[null,null,"a. Requested Filing Mode: Review & Approval"]
[]
[null,null,"SERFF Rate/Rule Schedule Tab"]
[null,null,"1. Was it filled out correctly?"]
[null,null,"a. Filing Method: Prior Approval"]
[null,null,"b. Filing Method of Last Filing: Prior Approval"]
[null,null,"2. Are the Rates attached?"]
[]
[null,null,"Scope and reason for rate revision, including a statement of whether the revision applies only to new business, only to in-force business, or both."]
[null,null,"a. The general rate methodology used to calculate the rates."]
[]
[null,null,"Actuarial Certification"]
[null,null,"a. Must be prepared by a qualified actuary, defined as a member in good standing with the American Academy of Actuaries. "]
[null,null,"b. Actuary should provide:"]
[null,null,"1. Name. "]
[null,null,"2. Actuarial credentials."]
[null,null,"3. Corporate title, or statement explaining affiliation, such as working as consultant for the filer."]
[null,null,"c. Actuary must certify (to the best of his knowledge and judgement):"]
[null,null,"1. The assumptions present the actuary's best judgement. "]
[null,null,"2. The assumptions are consistent with the issuer's business plan at the time of filing. "]
[null,null,"3. The rate submission is in compliance with the applicable laws and regulations of the State."]
[null,null,"4. The filing was prepared based upon current standards of practice as promulgated by the Actuarial Standards Board."]
[null,null,"5. Benefits are reasonable in relation to premiums charged. "]
[null,null,"d. Actuary should sign and date the memo. "]
[null,null,"The anticipated lifetime loss ratio, future ratio, and third-year ratio all exceed applicable standards"]
[null,null,"The filed rates maintain the proper relationship between policies that had different rating methodologies."]
[]
[null,null,"For Open Blocks of Business:"]
[null,null,"a. Does the company reduce commissions during the open enrollment period, special enrollments, or guarantee issue period?  "]
[null,null,"b. Confirm that the premium offered to age 65 applicants, during open enrollment or those otherwise protected by guarantee issue rights, is the non-tobacco rate regardless of their tobacco use."]

{"sheet":"Lists","index":1,"n_rows":58,"n_cols":5,"rows_kept":58,"cut":false,"hidden":true,"merged":[]}
["To create list: input list, Formulas DefineName, Data DataValidation SettingsAllow \"List\" SettingsSource \"=Name\""]
[null,null,null,"Number of Years Projected:",15]
[]
["NA"]
["Pre-Standardized","Closed"]
["1990 Standardized","Closed"]
["1990 Standardized Select","Closed"]
["2010 Modernized","Open"]
["2010 Modernized Select","Open"]
["1990 Standardized and 2010 Modernized","Open"]
["1990 Standardized Select and 2010 Modernized Select","Open"]
["1990 Standardized & Standardized Select and 2010 Modernized & Modernized Select","Open"]
[]
["Individual",0.65]
["Mass-Marketed (Individual)",0.65]
["Group",0.75]
[]
[0.65]
[0.75]
["NA"]
["Issue Age"]
["Attained Age"]
["Issue and Attained Age"]
["Community Rated"]
["NA"]
[]
["Yes","Yes"]
["No","No"]
["Nationwide","N/A"]
["Louisiana"]
["ASA","South Carolina"]
["FSA","Nationwide"]
[null,"Blended"]
[]
["Rate Change"]
["Annual (No Change)"]
["New Product Rates"]
[]
["Open"]
["Closed"]
[]
["Nationwide"]
["Louisiana"]
[]
["Plan A"]
["Plan B"]
["Plan C"]
["Plan D"]
["Plan F"]
["Plan HD-F"]
["Plan G"]
["Plan HD-G"]
["Plan K"]
["Plan L"]
["Plan M"]
["Plan N"]
["Pre-Standardized"]
["Other"]

{"sheet":"Notes","index":2,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":false,"merged":[[0,0,0,1]]}
["Notes"]
[]
["●","In an effort to expedite the rate filing review process, the SCDOI requires insurers and rating organizations to complete these actuarial exhibits and include them in their rate filings.  While not exhaustive, the exhibits provide a template for communicating the information most commonly requested by the SCDOI when reviewing rate filings.  Filers are welcome to provide their own internal exhibits to supplement those provided by the SCDOI.  "]
[]
["●","Formulas and conditional formatting have been incorporated in the exhibits to aid in ease and speed of completion.  Notes have also been added to provide additional guidance.  "]
[]
["●","Please contact the SCDOI via to LAHMail@doi.sc.gov with any questions about completing and submitting these exhibits or the rate filing process in general."]

{"sheet":"Filing Information","index":3,"n_rows":42,"n_cols":5,"rows_kept":42,"cut":false,"hidden":false,"merged":[[29,1,29,2],[16,2,16,4],[37,3,37,4],[17,2,17,4],[18,2,18,4],[22,3,22,4],[25,3,25,4],[27,3,27,4],[26,3,26,4],[21,1,21,2],[21,3,21,4],[22,1,22,2],[25,1,25,2],[26,1,26,2],[27,1,27,2],[31,3,31,4],[29,3,29,4],[35,3,35,4],[36,3,36,4],[5,2,5,4],[6,2,6,4],[7,2,7,4],[8,2,8,4],[28,3,28,4],[23,3,23,4],[24,3,24,4],[28,1,28,2],[23,1,23,2],[24,1,24,2],[9,2,9,4],[10,2,10,4],[14,2,14,4],[15,2,15,4],[38,1,38,2],[37,1,37,2],[42,1,51,4],[41,1,41,4],[30,1,30,2],[30,3,30,4],[38,3,38,4],[31,1,31,2],[32,1,32,2],[33,1,33,2],[34,1,34,2],[35,1,35,2],[36,1,36,2],[32,3,32,4],[33,3,33,4],[34,3,34,4]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Filing Information"]
[null,"Company"]
[null,"Effective Date","2027-01-01"]
[null,"Date of Actuarial Memorandum"]
[null,"Filing Type"]
[null,"Policy Type"]
[null,"Loss Experience Pooled1"]
[null,"Distribution","Individual","Mass Marketed","Group"]
[null,null,false,false,false]
[null,"Signing Actuary Information"]
[null,"Name"]
[null,"Designations"]
[null,"Title & Relationship to Company"]
[null,"Email"]
[null,"Phone number"]
[null,"1For example, the policy type may be 1990 plans but the pooling is for 1990 and 2010 plans together."]
[]
[null,"Interrogatories"]
[null,"1) Provide the State Tracking Numbers of the Company's last two rate filings (including disapproved or withdrawn filings)."]
[null,"2) Provide the State Tracking Number of the Company's most recent refund calculation filing."]
[null,"Have you issued any refunds resulting from minimun loss ratios in the last five years in SC?"]
[null,"3) Per Bulletin 2009-22, provide the filing fee that would be charged for a similar filing in the company's state of domicile."]
[null,"4) If the filing is for 1990 plans – Does the company have any Medicare Supplement 2010 standard plans?"]
[null,"If the filing is for 2010 plans – Does the company have any Medicare Supplement 1990 standard plans?"]
[null,"If the company has both 1990 and 2010 plans, does the company charge the same amount, adjusting for benefit differences for 2010 standardized and pre-2010 standardized plans?"]
[null,"If no, is there an exhibit included in the actuarial memo that compares 1990 and 2010 rates by plan and explains the differences?"]
[null,"5) For 2010 plans, is there an exhibit included in the actuarial memo that compares the rates between Plans C vs D and/or Plans F vs G and explains the difference? (e.g. benefit differences, experience, new guaranteed issues rights starting in 2020, and originally filed lifetime loss ratios)"]
[null,"6) Do you charge fees for payment by credit card?"]
[null,"If Yes, in accordance with Bulletin 2006-08 and 2013-11, all fees being charged must be disclosed to the insured prior to purchase of the policy. In addition, any consequences for failure to pay such fees should also be explained."]
[null,"How is the policyholder advised of the credit card fee?"]
[null,"What are the consequences of failure to pay such fees?"]
[null,"The specific contract with the Credit Card company must be provided that states the percentage of the charge. The company cannot charge a fee higher than what they are being charged."]
[null,"If you have previously provided a copy of this contract to the Department, is it still inforce with no alterterations?"]
[null,"Provide the State Tracking Number of that filing"]
[null,"Otherwise, has a copy of this contract been provided in the filing (may be marked as confidential)?"]
[]
[]
[null,"Additional Comments"]

{"sheet":"Rate Schedule","index":4,"n_rows":4,"n_cols":2,"rows_kept":4,"cut":false,"hidden":false,"merged":[]}
[null,"South Carolina Department of Insurance"]
[null,"Rate Schedule"]
[]
[null,"Provide all current and propsed rate schedules in excel format on this tab."]

{"sheet":"Summary","index":5,"n_rows":33,"n_cols":32,"rows_kept":33,"cut":false,"hidden":false,"merged":[]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Rate Change Summary"]
[null,{"$f":"\"Company Name: \"&'Filing Information'!C6","v":"Company Name: "}]
[]
[null,"Enter the information requested in the blue cells for all plans/forms included in this filing."]
[]
[null,"Policy Form Number"]
[null,"Plan Name","Plan A","Plan B","Plan C","Plan D","Plan F","Plan HD-F","Plan G","Plan HD-G","Plan K","Plan L","Plan M","Plan N","Pre-Standardized"]
[null,"Policy Type","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","2010 Modernized","Pre-Standardized"]
[null,"Open/Closed Book of Business--South Carolina","Open","Open","Open","Open","Open","Open","Open","Open","Open","Open","Open","Open","Open"]
[null,"Issued From Date"]
[null,"Issued To Date"]
[null,"Number of In-Force Policies--South Carolina"]
[null,"Number of In-Force Policies--Nationwide"]
[null,"Current Total Annual Written Premium--South Carolina"]
[null,"Current Total Annual Written Premium--Nationwide"]
[null,"Current Average Annual Premium--South Carolina",{"$f":"IFERROR(IF(AND(C16=0,C18=0),0,C18/C16), \"N/A\")","v":0},{"$f":"IFERROR(IF(AND(D16=0,D18=0),0,D18/D16), \"N/A\")","v":0},0,0,0,0,0,0,0,0,0,{"$f":"IFERROR(IF(AND(N16=0,N18=0),0,N18/N16), \"N/A\")","v":0},0,{"$f":"IFERROR(IF(AND(P16=0,P18=0),0,P18/P16), \"N/A\")","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Current Average Annual Premium--Nationwide",{"$f":"IFERROR(IF(AND(C17=0,C19=0),0,C19/C17), \"N/A\")","v":0},0,0,0,0,0,0,0,0,0,0,{"$f":"IFERROR(IF(AND(N17=0,N19=0),0,N19/N17), \"N/A\")","v":0},0,{"$f":"IFERROR(IF(AND(P17=0,P19=0),0,P19/P17), \"N/A\")","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Normalized Average Annual Premium, (adjusted for age, gender, area, class, etc)--South Carolina"]
[null,"Normalized Average Annual Premium, (adjusted for age, gender, area, class, etc)--Nationwide"]
[null,"Proposed Overall Premium (%) Change--South Carolina"]
[null,"Minimum % Change"]
[null,"Maximum % Change"]
[null,"Average premium after proposed rate increase for --South Carolina"]
[null,"Average premium after proposed rate increase --Nationwide"]
[]
[null,"Combined","Ensure the below totals are correct"]
[null,"Total Number of Policy Holders--South Carolina",{"$f":"SUM(C16:AF16)","v":0}]
[null,"Total Number of Policy Holders--Nationwide",{"$f":"SUM(C17:AF17)","v":0}]
[null,"Overall Rate Impact %",{"$f":"SUMPRODUCT(C24:AF24,C18:AF18)/SUM(C18:AF18)","v":{"$error":"#DIV/0!"}},"If this is an annual filing, this should be 0%"]

{"sheet":"Rate Change Details","index":6,"n_rows":39,"n_cols":11,"rows_kept":39,"cut":false,"hidden":false,"merged":[[8,1,8,5],[9,1,9,5],[8,9,8,11],[9,9,9,11]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Rate Change - All States",null,null,null,null,null,null,null,"History of SC Rate Changes"]
[null,{"$f":"\"Company Name: \"&'Filing Information'!C6","v":"Company Name: "},null,null,null,null,null,null,null,{"$f":"\"Company Name: \"&'Filing Information'!C6","v":"Company Name: "}]
[]
[]
[null,"Provide the rate increase your company has filed for the current year in each State, as applicable.",null,null,null,null,null,null,null,"Provide the history of rate increases in SC for this product. Add rows/columns as needed."]
[null,"Note: this tab does not need to be filled out for an annual filing.",null,null,null,null,null,null,null,"Note: this tab does not need to be filled out for an annual filing."]
[]
[null,"State","Proposed Rate Increase",null,"State","Proposed Rate Increase",null,null,null,"Year","Amt (%)"]
[null,"Alabama",null,null,"Montana",null,null,null,null,{"$f":"YEAR('Filing Information'!C7)-1","v":2026}]
[null,"Alaska",null,null,"Nebraska",null,null,null,null,{"$f":"J13-1","v":2025}]
[null,"Arizona",null,null,"Nevada",null,null,null,null,{"$f":"J14-1","v":2024}]
[null,"Arkansas",null,null,"New Hampshire",null,null,null,null,2023]
[null,"California",null,null,"New Jersey",null,null,null,null,2022]
[null,"Colorado",null,null,"New Mexico",null,null,null,null,2021]
[null,"Connecticut",null,null,"New York",null,null,null,null,2020]
[null,"Delaware",null,null,"North Carolina",null,null,null,null,2019]
[null,"Florida",null,null,"North Dakota",null,null,null,null,2018]
[null,"Georgia",null,null,"Ohio",null,null,null,null,2017]
[null,"Hawaii",null,null,"Oklahoma",null,null,null,null,2016]
[null,"Idaho",null,null,"Oregon",null,null,null,null,2015]
[null,"Illinois",null,null,"Pennsylvania",null,null,null,null,2014]
[null,"Indiana",null,null,"Rhode Island",null,null,null,null,2013]
[null,"Iowa",null,null,"South Carolina",null,null,null,null,2012]
[null,"Kansas",null,null,"South Dakota",null,null,null,null,2011]
[null,"Kentucky",null,null,"Tennessee",null,null,null,null,2010]
[null,"Louisiana",null,null,"Texas",null,null,null,null,2009]
[null,"Maine",null,null,"Utah",null,null,null,null,2008]
[null,"Maryland",null,null,"Vermont",null,null,null,null,2007]
[null,"Massachusetts",null,null,"Virginia",null,null,null,null,2006]
[null,"Michigan",null,null,"Washington",null,null,null,null,2005]
[null,"Minnesota",null,null,"West Virginia",null,null,null,null,2004]
[null,"Mississippi",null,null,"Wisconsin",null,null,null,null,2003]
[null,"Missouri",null,null,"Wyoming",null,null,null,null,2002]
[]
[null,null,null,null,"Overall National"]

{"sheet":"Assumption Support","index":7,"n_rows":59,"n_cols":24,"rows_kept":59,"cut":false,"hidden":false,"merged":[[8,10,8,16],[8,1,8,4]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Model Assumptions"]
[null,{"$f":"\"Company Name: \"&'Filing Information'!C6","v":"Company Name: "}]
[]
[]
[null,"Please provide the detailed assumptions presented in the Actuarial Memorandum as related to the original pricing structure of the product.",null,null,null,null,null,null,null,null,"Please provide support for the current medical claim trend assumption used in projections. Overall or by plan PMPMs can be provided."]
[]
[null,"Medical Trend",null,null,null,null,null,null,null,null,"Trend Support - Claims PMPM by Plan"]
[null,null,"Pricing","Actual*","A/E",null,"Additional Notes:",null,null,null,null,"Combined","Plan A","Plan B","Plan C","Plan D","Plan F","Plan HD-F","Plan G","Plan HD-G","Plan K","Plan L","Plan M","Plan N"]
[null,"Prior year - 2",null,null,{"$f":"IFERROR(D13/C13, 0)","v":0},null,null,null,null,null,"Prior year - 3"]
[null,"Prior year - 1",null,null,{"$f":"IFERROR(D14/C14, 0)","v":0},null,null,null,null,null,"Prior year - 2"]
[null,"Prior year",null,null,0,null,null,null,null,null,"Prior year - 1"]
[null,"*Ignore if new product filing",null,null,null,null,null,null,null,null,"Prior year"]
[]
[null,"Persistency/Lapse Rate",null,null,null,null,null,null,null,null,"Population:",{"$f":"IFERROR(L14/L13-1, 0)","v":0},{"$f":"IFERROR(M14/M13-1, 0)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[null,"Policy Year","Pricing",null,null,null,null,null,null,null,null,{"$f":"IFERROR(L15/L14-1, 0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0]
[null,1,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(L16/L15-1, 0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0]
[null,2]
[null,3]
[null,4]
[null,5]
[null,6]
[null,7]
[null,8]
[null,9]
[null,"10+"]
[]
[null,"Selection Factor"]
[null,"Policy Year","Pricing"]
[null,1]
[null,2]
[null,3]
[null,"Ultimate"]
[]
[null,"Commission Schedule"]
[null,null,"Ages"]
[null,"Period","65-75","76 - 85","86+"]
[null,"1-6"]
[null,"7-10"]
[null,"11+"]
[null,"Discussion of methodology or variations during open enrollment/other "]
[null,"guaranteed issue periods should be detailed in the actuarial memo."]
[]
[null,"Expense Assumptions as Percentage of Premium"]
[null,null,"Pricing","Actual (Prior 3 yrs)","A/E"]
[null,"Claims"]
[null,"Commissions"]
[null,"Acquisition costs (ex. commissions)"]
[null,"Administrative costs and overhead"]
[null,"Premium tax"]
[null,"Investment income"]
[null,"Profit and Contingency"]
[null,"Validation",{"$f":"IF(SUM(C49:C53)+C55-C54=100%,\"TRUE\",\"ERROR\")","v":"ERROR"},{"$f":"IF(SUM(D49:D53)+D55-D54=100%,\"TRUE\",\"ERROR\")","v":"ERROR"}]
[]
[null,"Area Factors"]
[null,"Geography (ZIP/County, etc)","Area Factor"]

{"sheet":"LR Projections -->","index":8,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[[9,1,10,12]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[null,"State Tracking No. 1234"]
[]
[]
[null,"Enter historical and projected loss ratio information for SC and Nationwide on the designated plan tabs. The 'Total' tab will combine all plans into one view. "]

{"sheet":"Total","index":9,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[16,2,16,3],[16,12,16,13],[22,1,30,3],[22,11,30,13],[8,1,8,19]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"_xlfn.DAYS(D14, DATE(YEAR(D14), 1, 1))/30","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"_xlfn.DAYS(N14, DATE(YEAR(N14), 1, 1))/30","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Combined",null,null,null,null,null,null,"Future rate",null,"Plan","Combined",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,null,"Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},{"$f":"SUM(A!E38, B!E38, 'C'!E38, D!E38, F!E38, HDF!E38, G!E38, HDG!E38, K!E38, L!E38, M!E38, N!E38, Pre!E38, 'Oth1'!E38, 'Oth2'!E38)","v":0},{"$f":"SUM(A!F38, B!F38, 'C'!F38, D!F38, F!F38, HDF!F38, G!F38, HDG!F38, K!F38, L!F38, M!F38, N!F38, Pre!F38, 'Oth1'!F38, 'Oth2'!F38)","v":0},{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},{"$f":"SUM(A!J38, B!J38,'C'!J38, D!J38, F!J38, HDF!J38, G!J38, HDG!J38, K!J38, L!J38, M!J38, N!J38, Pre!J38, 'Oth1'!J38, 'Oth2'!J38)","v":0},null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},{"$f":"SUM(A!O38, B!O38, 'C'!O38, D!O38, F!O38, HDF!O38, G!O38, HDG!O38, K!O38, L!O38, M!O38, N!O38, Pre!O38, 'Oth1'!O38, 'Oth2'!O38)","v":0},{"$f":"SUM(A!P38, B!P38, 'C'!P38, D!P38, F!P38, HDF!P38, G!P38, HDG!P38, K!P38, L!P38, M!P38, N!P38, Pre!P38, 'Oth1'!P38, 'Oth2'!P38)","v":0},{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0},{"$f":"SUM(A!T38, B!T38,'C'!T38, D!T38, F!T38, HDF!T38, G!T38, HDG!T38, K!T38, L!T38, M!T38, N!T38, Pre!T38, 'Oth1'!T38, 'Oth2'!T38)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},{"$f":"SUM(A!E39, B!E39, 'C'!E39, D!E39, F!E39, HDF!E39, G!E39, HDG!E39, K!E39, L!E39, M!E39, N!E39, Pre!E39, 'Oth1'!E39, 'Oth2'!E39)","v":0},{"$f":"SUM(A!F39, B!F39, 'C'!F39, D!F39, F!F39, HDF!F39, G!F39, HDG!F39, K!F39, L!F39, M!F39, N!F39, Pre!F39, 'Oth1'!F39, 'Oth2'!F39)","v":0},0,null,0,{"$f":"SUM(A!J39, B!J39,'C'!J39, D!J39, F!J39, HDF!J39, G!J39, HDG!J39, K!J39, L!J39, M!J39, N!J39, Pre!J39, 'Oth1'!J39, 'Oth2'!J39)","v":0},null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},{"$f":"SUM(A!O39, B!O39, 'C'!O39, D!O39, F!O39, HDF!O39, G!O39, HDG!O39, K!O39, L!O39, M!O39, N!O39, Pre!O39, 'Oth1'!O39, 'Oth2'!O39)","v":0},{"$f":"SUM(A!P39, B!P39, 'C'!P39, D!P39, F!P39, HDF!P39, G!P39, HDG!P39, K!P39, L!P39, M!P39, N!P39, Pre!P39, 'Oth1'!P39, 'Oth2'!P39)","v":0},0,null,0,{"$f":"SUM(A!T39, B!T39,'C'!T39, D!T39, F!T39, HDF!T39, G!T39, HDG!T39, K!T39, L!T39, M!T39, N!T39, Pre!T39, 'Oth1'!T39, 'Oth2'!T39)","v":0}]
[null,108,{"$f":"C39+1","v":2016},1,{"$f":"SUM(A!E40, B!E40, 'C'!E40, D!E40, F!E40, HDF!E40, G!E40, HDG!E40, K!E40, L!E40, M!E40, N!E40, Pre!E40, 'Oth1'!E40, 'Oth2'!E40)","v":0},{"$f":"SUM(A!F40, B!F40, 'C'!F40, D!F40, F!F40, HDF!F40, G!F40, HDG!F40, K!F40, L!F40, M!F40, N!F40, Pre!F40, 'Oth1'!F40, 'Oth2'!F40)","v":0},0,null,0,{"$f":"SUM(A!J40, B!J40,'C'!J40, D!J40, F!J40, HDF!J40, G!J40, HDG!J40, K!J40, L!J40, M!J40, N!J40, Pre!J40, 'Oth1'!J40, 'Oth2'!J40)","v":0},null,108,{"$f":"M39+1","v":2016},1,{"$f":"SUM(A!O40, B!O40, 'C'!O40, D!O40, F!O40, HDF!O40, G!O40, HDG!O40, K!O40, L!O40, M!O40, N!O40, Pre!O40, 'Oth1'!O40, 'Oth2'!O40)","v":0},{"$f":"SUM(A!P40, B!P40, 'C'!P40, D!P40, F!P40, HDF!P40, G!P40, HDG!P40, K!P40, L!P40, M!P40, N!P40, Pre!P40, 'Oth1'!P40, 'Oth2'!P40)","v":0},0,null,0,{"$f":"SUM(A!T40, B!T40,'C'!T40, D!T40, F!T40, HDF!T40, G!T40, HDG!T40, K!T40, L!T40, M!T40, N!T40, Pre!T40, 'Oth1'!T40, 'Oth2'!T40)","v":0}]
[null,96,{"$f":"C40+1","v":2017},1,{"$f":"SUM(A!E41, B!E41, 'C'!E41, D!E41, F!E41, HDF!E41, G!E41, HDG!E41, K!E41, L!E41, M!E41, N!E41, Pre!E41, 'Oth1'!E41, 'Oth2'!E41)","v":0},{"$f":"SUM(A!F41, B!F41, 'C'!F41, D!F41, F!F41, HDF!F41, G!F41, HDG!F41, K!F41, L!F41, M!F41, N!F41, Pre!F41, 'Oth1'!F41, 'Oth2'!F41)","v":0},0,null,0,{"$f":"SUM(A!J41, B!J41,'C'!J41, D!J41, F!J41, HDF!J41, G!J41, HDG!J41, K!J41, L!J41, M!J41, N!J41, Pre!J41, 'Oth1'!J41, 'Oth2'!J41)","v":0},null,96,2017,1,{"$f":"SUM(A!O41, B!O41, 'C'!O41, D!O41, F!O41, HDF!O41, G!O41, HDG!O41, K!O41, L!O41, M!O41, N!O41, Pre!O41, 'Oth1'!O41, 'Oth2'!O41)","v":0},{"$f":"SUM(A!P41, B!P41, 'C'!P41, D!P41, F!P41, HDF!P41, G!P41, HDG!P41, K!P41, L!P41, M!P41, N!P41, Pre!P41, 'Oth1'!P41, 'Oth2'!P41)","v":0},0,null,0,{"$f":"SUM(A!T41, B!T41,'C'!T41, D!T41, F!T41, HDF!T41, G!T41, HDG!T41, K!T41, L!T41, M!T41, N!T41, Pre!T41, 'Oth1'!T41, 'Oth2'!T41)","v":0}]
[null,84,2018,1,{"$f":"SUM(A!E42, B!E42, 'C'!E42, D!E42, F!E42, HDF!E42, G!E42, HDG!E42, K!E42, L!E42, M!E42, N!E42, Pre!E42, 'Oth1'!E42, 'Oth2'!E42)","v":0},{"$f":"SUM(A!F42, B!F42, 'C'!F42, D!F42, F!F42, HDF!F42, G!F42, HDG!F42, K!F42, L!F42, M!F42, N!F42, Pre!F42, 'Oth1'!F42, 'Oth2'!F42)","v":0},0,null,0,{"$f":"SUM(A!J42, B!J42,'C'!J42, D!J42, F!J42, HDF!J42, G!J42, HDG!J42, K!J42, L!J42, M!J42, N!J42, Pre!J42, 'Oth1'!J42, 'Oth2'!J42)","v":0},null,84,2018,1,{"$f":"SUM(A!O42, B!O42, 'C'!O42, D!O42, F!O42, HDF!O42, G!O42, HDG!O42, K!O42, L!O42, M!O42, N!O42, Pre!O42, 'Oth1'!O42, 'Oth2'!O42)","v":0},{"$f":"SUM(A!P42, B!P42, 'C'!P42, D!P42, F!P42, HDF!P42, G!P42, HDG!P42, K!P42, L!P42, M!P42, N!P42, Pre!P42, 'Oth1'!P42, 'Oth2'!P42)","v":0},0,null,0,{"$f":"SUM(A!T42, B!T42,'C'!T42, D!T42, F!T42, HDF!T42, G!T42, HDG!T42, K!T42, L!T42, M!T42, N!T42, Pre!T42, 'Oth1'!T42, 'Oth2'!T42)","v":0}]
[null,72,2019,1,{"$f":"SUM(A!E43, B!E43, 'C'!E43, D!E43, F!E43, HDF!E43, G!E43, HDG!E43, K!E43, L!E43, M!E43, N!E43, Pre!E43, 'Oth1'!E43, 'Oth2'!E43)","v":0},{"$f":"SUM(A!F43, B!F43, 'C'!F43, D!F43, F!F43, HDF!F43, G!F43, HDG!F43, K!F43, L!F43, M!F43, N!F43, Pre!F43, 'Oth1'!F43, 'Oth2'!F43)","v":0},0,null,0,{"$f":"SUM(A!J43, B!J43,'C'!J43, D!J43, F!J43, HDF!J43, G!J43, HDG!J43, K!J43, L!J43, M!J43, N!J43, Pre!J43, 'Oth1'!J43, 'Oth2'!J43)","v":0},null,72,2019,1,{"$f":"SUM(A!O43, B!O43, 'C'!O43, D!O43, F!O43, HDF!O43, G!O43, HDG!O43, K!O43, L!O43, M!O43, N!O43, Pre!O43, 'Oth1'!O43, 'Oth2'!O43)","v":0},{"$f":"SUM(A!P43, B!P43, 'C'!P43, D!P43, F!P43, HDF!P43, G!P43, HDG!P43, K!P43, L!P43, M!P43, N!P43, Pre!P43, 'Oth1'!P43, 'Oth2'!P43)","v":0},0,null,0,{"$f":"SUM(A!T43, B!T43,'C'!T43, D!T43, F!T43, HDF!T43, G!T43, HDG!T43, K!T43, L!T43, M!T43, N!T43, Pre!T43, 'Oth1'!T43, 'Oth2'!T43)","v":0}]
[null,60,2020,1,{"$f":"SUM(A!E44, B!E44, 'C'!E44, D!E44, F!E44, HDF!E44, G!E44, HDG!E44, K!E44, L!E44, M!E44, N!E44, Pre!E44, 'Oth1'!E44, 'Oth2'!E44)","v":0},{"$f":"SUM(A!F44, B!F44, 'C'!F44, D!F44, F!F44, HDF!F44, G!F44, HDG!F44, K!F44, L!F44, M!F44, N!F44, Pre!F44, 'Oth1'!F44, 'Oth2'!F44)","v":0},0,null,0,{"$f":"SUM(A!J44, B!J44,'C'!J44, D!J44, F!J44, HDF!J44, G!J44, HDG!J44, K!J44, L!J44, M!J44, N!J44, Pre!J44, 'Oth1'!J44, 'Oth2'!J44)","v":0},null,60,2020,1,{"$f":"SUM(A!O44, B!O44, 'C'!O44, D!O44, F!O44, HDF!O44, G!O44, HDG!O44, K!O44, L!O44, M!O44, N!O44, Pre!O44, 'Oth1'!O44, 'Oth2'!O44)","v":0},{"$f":"SUM(A!P44, B!P44, 'C'!P44, D!P44, F!P44, HDF!P44, G!P44, HDG!P44, K!P44, L!P44, M!P44, N!P44, Pre!P44, 'Oth1'!P44, 'Oth2'!P44)","v":0},0,null,0,{"$f":"SUM(A!T44, B!T44,'C'!T44, D!T44, F!T44, HDF!T44, G!T44, HDG!T44, K!T44, L!T44, M!T44, N!T44, Pre!T44, 'Oth1'!T44, 'Oth2'!T44)","v":0}]
[null,48,2021,1,{"$f":"SUM(A!E45, B!E45, 'C'!E45, D!E45, F!E45, HDF!E45, G!E45, HDG!E45, K!E45, L!E45, M!E45, N!E45, Pre!E45, 'Oth1'!E45, 'Oth2'!E45)","v":0},{"$f":"SUM(A!F45, B!F45, 'C'!F45, D!F45, F!F45, HDF!F45, G!F45, HDG!F45, K!F45, L!F45, M!F45, N!F45, Pre!F45, 'Oth1'!F45, 'Oth2'!F45)","v":0},0,null,0,{"$f":"SUM(A!J45, B!J45,'C'!J45, D!J45, F!J45, HDF!J45, G!J45, HDG!J45, K!J45, L!J45, M!J45, N!J45, Pre!J45, 'Oth1'!J45, 'Oth2'!J45)","v":0},null,48,2021,1,{"$f":"SUM(A!O45, B!O45, 'C'!O45, D!O45, F!O45, HDF!O45, G!O45, HDG!O45, K!O45, L!O45, M!O45, N!O45, Pre!O45, 'Oth1'!O45, 'Oth2'!O45)","v":0},{"$f":"SUM(A!P45, B!P45, 'C'!P45, D!P45, F!P45, HDF!P45, G!P45, HDG!P45, K!P45, L!P45, M!P45, N!P45, Pre!P45, 'Oth1'!P45, 'Oth2'!P45)","v":0},0,null,0,{"$f":"SUM(A!T45, B!T45,'C'!T45, D!T45, F!T45, HDF!T45, G!T45, HDG!T45, K!T45, L!T45, M!T45, N!T45, Pre!T45, 'Oth1'!T45, 'Oth2'!T45)","v":0}]
[null,36,2022,1,{"$f":"SUM(A!E46, B!E46, 'C'!E46, D!E46, F!E46, HDF!E46, G!E46, HDG!E46, K!E46, L!E46, M!E46, N!E46, Pre!E46, 'Oth1'!E46, 'Oth2'!E46)","v":0},{"$f":"SUM(A!F46, B!F46, 'C'!F46, D!F46, F!F46, HDF!F46, G!F46, HDG!F46, K!F46, L!F46, M!F46, N!F46, Pre!F46, 'Oth1'!F46, 'Oth2'!F46)","v":0},0,null,0,{"$f":"SUM(A!J46, B!J46,'C'!J46, D!J46, F!J46, HDF!J46, G!J46, HDG!J46, K!J46, L!J46, M!J46, N!J46, Pre!J46, 'Oth1'!J46, 'Oth2'!J46)","v":0},null,36,2022,1,{"$f":"SUM(A!O46, B!O46, 'C'!O46, D!O46, F!O46, HDF!O46, G!O46, HDG!O46, K!O46, L!O46, M!O46, N!O46, Pre!O46, 'Oth1'!O46, 'Oth2'!O46)","v":0},{"$f":"SUM(A!P46, B!P46, 'C'!P46, D!P46, F!P46, HDF!P46, G!P46, HDG!P46, K!P46, L!P46, M!P46, N!P46, Pre!P46, 'Oth1'!P46, 'Oth2'!P46)","v":0},0,null,0,{"$f":"SUM(A!T46, B!T46,'C'!T46, D!T46, F!T46, HDF!T46, G!T46, HDG!T46, K!T46, L!T46, M!T46, N!T46, Pre!T46, 'Oth1'!T46, 'Oth2'!T46)","v":0}]
[null,{"$f":"B48+12","v":24},2023,1,{"$f":"SUM(A!E47, B!E47, 'C'!E47, D!E47, F!E47, HDF!E47, G!E47, HDG!E47, K!E47, L!E47, M!E47, N!E47, Pre!E47, 'Oth1'!E47, 'Oth2'!E47)","v":0},{"$f":"SUM(A!F47, B!F47, 'C'!F47, D!F47, F!F47, HDF!F47, G!F47, HDG!F47, K!F47, L!F47, M!F47, N!F47, Pre!F47, 'Oth1'!F47, 'Oth2'!F47)","v":0},0,null,0,{"$f":"SUM(A!J47, B!J47,'C'!J47, D!J47, F!J47, HDF!J47, G!J47, HDG!J47, K!J47, L!J47, M!J47, N!J47, Pre!J47, 'Oth1'!J47, 'Oth2'!J47)","v":0},null,24,2023,1,{"$f":"SUM(A!O47, B!O47, 'C'!O47, D!O47, F!O47, HDF!O47, G!O47, HDG!O47, K!O47, L!O47, M!O47, N!O47, Pre!O47, 'Oth1'!O47, 'Oth2'!O47)","v":0},{"$f":"SUM(A!P47, B!P47, 'C'!P47, D!P47, F!P47, HDF!P47, G!P47, HDG!P47, K!P47, L!P47, M!P47, N!P47, Pre!P47, 'Oth1'!P47, 'Oth2'!P47)","v":0},0,null,0,{"$f":"SUM(A!T47, B!T47,'C'!T47, D!T47, F!T47, HDF!T47, G!T47, HDG!T47, K!T47, L!T47, M!T47, N!T47, Pre!T47, 'Oth1'!T47, 'Oth2'!T47)","v":0}]
[null,{"$f":"6+B49*2","v":12},2024,1,{"$f":"SUM(A!E48, B!E48, 'C'!E48, D!E48, F!E48, HDF!E48, G!E48, HDG!E48, K!E48, L!E48, M!E48, N!E48, Pre!E48, 'Oth1'!E48, 'Oth2'!E48)","v":0},{"$f":"SUM(A!F48, B!F48, 'C'!F48, D!F48, F!F48, HDF!F48, G!F48, HDG!F48, K!F48, L!F48, M!F48, N!F48, Pre!F48, 'Oth1'!F48, 'Oth2'!F48)","v":0},0,null,0,{"$f":"SUM(A!J48, B!J48,'C'!J48, D!J48, F!J48, HDF!J48, G!J48, HDG!J48, K!J48, L!J48, M!J48, N!J48, Pre!J48, 'Oth1'!J48, 'Oth2'!J48)","v":0},null,{"$f":"6+L49*2","v":12},2024,1,{"$f":"SUM(A!O48, B!O48, 'C'!O48, D!O48, F!O48, HDF!O48, G!O48, HDG!O48, K!O48, L!O48, M!O48, N!O48, Pre!O48, 'Oth1'!O48, 'Oth2'!O48)","v":0},{"$f":"SUM(A!P48, B!P48, 'C'!P48, D!P48, F!P48, HDF!P48, G!P48, HDG!P48, K!P48, L!P48, M!P48, N!P48, Pre!P48, 'Oth1'!P48, 'Oth2'!P48)","v":0},0,null,0,{"$f":"SUM(A!T48, B!T48,'C'!T48, D!T48, F!T48, HDF!T48, G!T48, HDG!T48, K!T48, L!T48, M!T48, N!T48, Pre!T48, 'Oth1'!T48, 'Oth2'!T48)","v":0}]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,{"$f":"SUM(A!E49, B!E49, 'C'!E49, D!E49, F!E49, HDF!E49, G!E49, HDG!E49, K!E49, L!E49, M!E49, N!E49, Pre!E49, 'Oth1'!E49, 'Oth2'!E49)","v":0},{"$f":"SUM(A!F49, B!F49, 'C'!F49, D!F49, F!F49, HDF!F49, G!F49, HDG!F49, K!F49, L!F49, M!F49, N!F49, Pre!F49, 'Oth1'!F49, 'Oth2'!F49)","v":0},0,null,0,{"$f":"SUM(A!J49, B!J49,'C'!J49, D!J49, F!J49, HDF!J49, G!J49, HDG!J49, K!J49, L!J49, M!J49, N!J49, Pre!J49, 'Oth1'!J49, 'Oth2'!J49)","v":0},null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,{"$f":"SUM(A!O49, B!O49, 'C'!O49, D!O49, F!O49, HDF!O49, G!O49, HDG!O49, K!O49, L!O49, M!O49, N!O49, Pre!O49, 'Oth1'!O49, 'Oth2'!O49)","v":0},{"$f":"SUM(A!P49, B!P49, 'C'!P49, D!P49, F!P49, HDF!P49, G!P49, HDG!P49, K!P49, L!P49, M!P49, N!P49, Pre!P49, 'Oth1'!P49, 'Oth2'!P49)","v":0},0,null,0,{"$f":"SUM(A!T49, B!T49,'C'!T49, D!T49, F!T49, HDF!T49, G!T49, HDG!T49, K!T49, L!T49, M!T49, N!T49, Pre!T49, 'Oth1'!T49, 'Oth2'!T49)","v":0}]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,{"$f":"SUM(A!E50, B!E50, 'C'!E50, D!E50, F!E50, HDF!E50, G!E50, HDG!E50, K!E50, L!E50, M!E50, N!E50, Pre!E50, 'Oth1'!E50, 'Oth2'!E50)","v":0},{"$f":"SUM(A!F50, B!F50, 'C'!F50, D!F50, F!F50, HDF!F50, G!F50, HDG!F50, K!F50, L!F50, M!F50, N!F50, Pre!F50, 'Oth1'!F50, 'Oth2'!F50)","v":0},0,null,0,{"$f":"SUM(A!J50, B!J50,'C'!J50, D!J50, F!J50, HDF!J50, G!J50, HDG!J50, K!J50, L!J50, M!J50, N!J50, Pre!J50, 'Oth1'!J50, 'Oth2'!J50)","v":0},null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,{"$f":"SUM(A!O50, B!O50, 'C'!O50, D!O50, F!O50, HDF!O50, G!O50, HDG!O50, K!O50, L!O50, M!O50, N!O50, Pre!O50, 'Oth1'!O50, 'Oth2'!O50)","v":0},{"$f":"SUM(A!P50, B!P50, 'C'!P50, D!P50, F!P50, HDF!P50, G!P50, HDG!P50, K!P50, L!P50, M!P50, N!P50, Pre!P50, 'Oth1'!P50, 'Oth2'!P50)","v":0},0,null,0,{"$f":"SUM(A!T50, B!T50,'C'!T50, D!T50, F!T50, HDF!T50, G!T50, HDG!T50, K!T50, L!T50, M!T50, N!T50, Pre!T50, 'Oth1'!T50, 'Oth2'!T50)","v":0}]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,{"$f":"SUM(A!E51, B!E51, 'C'!E51, D!E51, F!E51, HDF!E51, G!E51, HDG!E51, K!E51, L!E51, M!E51, N!E51, Pre!E51, 'Oth1'!E51, 'Oth2'!E51)","v":0},{"$f":"SUM(A!F51, B!F51, 'C'!F51, D!F51, F!F51, HDF!F51, G!F51, HDG!F51, K!F51, L!F51, M!F51, N!F51, Pre!F51, 'Oth1'!F51, 'Oth2'!F51)","v":0},0,null,0,{"$f":"SUM(A!J51, B!J51,'C'!J51, D!J51, F!J51, HDF!J51, G!J51, HDG!J51, K!J51, L!J51, M!J51, N!J51, Pre!J51, 'Oth1'!J51, 'Oth2'!J51)","v":0},null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,{"$f":"SUM(A!O51, B!O51, 'C'!O51, D!O51, F!O51, HDF!O51, G!O51, HDG!O51, K!O51, L!O51, M!O51, N!O51, Pre!O51, 'Oth1'!O51, 'Oth2'!O51)","v":0},{"$f":"SUM(A!P51, B!P51, 'C'!P51, D!P51, F!P51, HDF!P51, G!P51, HDG!P51, K!P51, L!P51, M!P51, N!P51, Pre!P51, 'Oth1'!P51, 'Oth2'!P51)","v":0},0,null,0,{"$f":"SUM(A!T51, B!T51,'C'!T51, D!T51, F!T51, HDF!T51, G!T51, HDG!T51, K!T51, L!T51, M!T51, N!T51, Pre!T51, 'Oth1'!T51, 'Oth2'!T51)","v":0}]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,{"$f":"SUM(A!E52, B!E52, 'C'!E52, D!E52, F!E52, HDF!E52, G!E52, HDG!E52, K!E52, L!E52, M!E52, N!E52, Pre!E52, 'Oth1'!E52, 'Oth2'!E52)","v":0},{"$f":"SUM(A!F52, B!F52, 'C'!F52, D!F52, F!F52, HDF!F52, G!F52, HDG!F52, K!F52, L!F52, M!F52, N!F52, Pre!F52, 'Oth1'!F52, 'Oth2'!F52)","v":0},0,null,0,{"$f":"SUM(A!J52, B!J52,'C'!J52, D!J52, F!J52, HDF!J52, G!J52, HDG!J52, K!J52, L!J52, M!J52, N!J52, Pre!J52, 'Oth1'!J52, 'Oth2'!J52)","v":0},null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,{"$f":"SUM(A!O52, B!O52, 'C'!O52, D!O52, F!O52, HDF!O52, G!O52, HDG!O52, K!O52, L!O52, M!O52, N!O52, Pre!O52, 'Oth1'!O52, 'Oth2'!O52)","v":0},{"$f":"SUM(A!P52, B!P52, 'C'!P52, D!P52, F!P52, HDF!P52, G!P52, HDG!P52, K!P52, L!P52, M!P52, N!P52, Pre!P52, 'Oth1'!P52, 'Oth2'!P52)","v":0},0,null,0,{"$f":"SUM(A!T52, B!T52,'C'!T52, D!T52, F!T52, HDF!T52, G!T52, HDG!T52, K!T52, L!T52, M!T52, N!T52, Pre!T52, 'Oth1'!T52, 'Oth2'!T52)","v":0}]
[null,-36,{"$f":"C52+1","v":2028},1,{"$f":"SUM(A!E53, B!E53, 'C'!E53, D!E53, F!E53, HDF!E53, G!E53, HDG!E53, K!E53, L!E53, M!E53, N!E53, Pre!E53, 'Oth1'!E53, 'Oth2'!E53)","v":0},{"$f":"SUM(A!F53, B!F53, 'C'!F53, D!F53, F!F53, HDF!F53, G!F53, HDG!F53, K!F53, L!F53, M!F53, N!F53, Pre!F53, 'Oth1'!F53, 'Oth2'!F53)","v":0},0,null,0,{"$f":"SUM(A!J53, B!J53,'C'!J53, D!J53, F!J53, HDF!J53, G!J53, HDG!J53, K!J53, L!J53, M!J53, N!J53, Pre!J53, 'Oth1'!J53, 'Oth2'!J53)","v":0},null,-36,2028,1,{"$f":"SUM(A!O53, B!O53, 'C'!O53, D!O53, F!O53, HDF!O53, G!O53, HDG!O53, K!O53, L!O53, M!O53, N!O53, Pre!O53, 'Oth1'!O53, 'Oth2'!O53)","v":0},{"$f":"SUM(A!P53, B!P53, 'C'!P53, D!P53, F!P53, HDF!P53, G!P53, HDG!P53, K!P53, L!P53, M!P53, N!P53, Pre!P53, 'Oth1'!P53, 'Oth2'!P53)","v":0},0,null,0,{"$f":"SUM(A!T53, B!T53,'C'!T53, D!T53, F!T53, HDF!T53, G!T53, HDG!T53, K!T53, L!T53, M!T53, N!T53, Pre!T53, 'Oth1'!T53, 'Oth2'!T53)","v":0}]
[null,-48,2029,1,{"$f":"SUM(A!E54, B!E54, 'C'!E54, D!E54, F!E54, HDF!E54, G!E54, HDG!E54, K!E54, L!E54, M!E54, N!E54, Pre!E54, 'Oth1'!E54, 'Oth2'!E54)","v":0},{"$f":"SUM(A!F54, B!F54, 'C'!F54, D!F54, F!F54, HDF!F54, G!F54, HDG!F54, K!F54, L!F54, M!F54, N!F54, Pre!F54, 'Oth1'!F54, 'Oth2'!F54)","v":0},0,null,0,{"$f":"SUM(A!J54, B!J54,'C'!J54, D!J54, F!J54, HDF!J54, G!J54, HDG!J54, K!J54, L!J54, M!J54, N!J54, Pre!J54, 'Oth1'!J54, 'Oth2'!J54)","v":0},null,-48,2029,1,{"$f":"SUM(A!O54, B!O54, 'C'!O54, D!O54, F!O54, HDF!O54, G!O54, HDG!O54, K!O54, L!O54, M!O54, N!O54, Pre!O54, 'Oth1'!O54, 'Oth2'!O54)","v":0},{"$f":"SUM(A!P54, B!P54, 'C'!P54, D!P54, F!P54, HDF!P54, G!P54, HDG!P54, K!P54, L!P54, M!P54, N!P54, Pre!P54, 'Oth1'!P54, 'Oth2'!P54)","v":0},0,null,0,{"$f":"SUM(A!T54, B!T54,'C'!T54, D!T54, F!T54, HDF!T54, G!T54, HDG!T54, K!T54, L!T54, M!T54, N!T54, Pre!T54, 'Oth1'!T54, 'Oth2'!T54)","v":0}]
[null,-60,2030,1,{"$f":"SUM(A!E55, B!E55, 'C'!E55, D!E55, F!E55, HDF!E55, G!E55, HDG!E55, K!E55, L!E55, M!E55, N!E55, Pre!E55, 'Oth1'!E55, 'Oth2'!E55)","v":0},{"$f":"SUM(A!F55, B!F55, 'C'!F55, D!F55, F!F55, HDF!F55, G!F55, HDG!F55, K!F55, L!F55, M!F55, N!F55, Pre!F55, 'Oth1'!F55, 'Oth2'!F55)","v":0},0,null,0,{"$f":"SUM(A!J55, B!J55,'C'!J55, D!J55, F!J55, HDF!J55, G!J55, HDG!J55, K!J55, L!J55, M!J55, N!J55, Pre!J55, 'Oth1'!J55, 'Oth2'!J55)","v":0},null,-60,2030,1,{"$f":"SUM(A!O55, B!O55, 'C'!O55, D!O55, F!O55, HDF!O55, G!O55, HDG!O55, K!O55, L!O55, M!O55, N!O55, Pre!O55, 'Oth1'!O55, 'Oth2'!O55)","v":0},{"$f":"SUM(A!P55, B!P55, 'C'!P55, D!P55, F!P55, HDF!P55, G!P55, HDG!P55, K!P55, L!P55, M!P55, N!P55, Pre!P55, 'Oth1'!P55, 'Oth2'!P55)","v":0},0,null,0,{"$f":"SUM(A!T55, B!T55,'C'!T55, D!T55, F!T55, HDF!T55, G!T55, HDG!T55, K!T55, L!T55, M!T55, N!T55, Pre!T55, 'Oth1'!T55, 'Oth2'!T55)","v":0}]
[null,-72,2031,1,{"$f":"SUM(A!E56, B!E56, 'C'!E56, D!E56, F!E56, HDF!E56, G!E56, HDG!E56, K!E56, L!E56, M!E56, N!E56, Pre!E56, 'Oth1'!E56, 'Oth2'!E56)","v":0},{"$f":"SUM(A!F56, B!F56, 'C'!F56, D!F56, F!F56, HDF!F56, G!F56, HDG!F56, K!F56, L!F56, M!F56, N!F56, Pre!F56, 'Oth1'!F56, 'Oth2'!F56)","v":0},0,null,0,{"$f":"SUM(A!J56, B!J56,'C'!J56, D!J56, F!J56, HDF!J56, G!J56, HDG!J56, K!J56, L!J56, M!J56, N!J56, Pre!J56, 'Oth1'!J56, 'Oth2'!J56)","v":0},null,-72,2031,1,{"$f":"SUM(A!O56, B!O56, 'C'!O56, D!O56, F!O56, HDF!O56, G!O56, HDG!O56, K!O56, L!O56, M!O56, N!O56, Pre!O56, 'Oth1'!O56, 'Oth2'!O56)","v":0},{"$f":"SUM(A!P56, B!P56, 'C'!P56, D!P56, F!P56, HDF!P56, G!P56, HDG!P56, K!P56, L!P56, M!P56, N!P56, Pre!P56, 'Oth1'!P56, 'Oth2'!P56)","v":0},0,null,0,{"$f":"SUM(A!T56, B!T56,'C'!T56, D!T56, F!T56, HDF!T56, G!T56, HDG!T56, K!T56, L!T56, M!T56, N!T56, Pre!T56, 'Oth1'!T56, 'Oth2'!T56)","v":0}]
[null,-84,2032,1,{"$f":"SUM(A!E57, B!E57, 'C'!E57, D!E57, F!E57, HDF!E57, G!E57, HDG!E57, K!E57, L!E57, M!E57, N!E57, Pre!E57, 'Oth1'!E57, 'Oth2'!E57)","v":0},{"$f":"SUM(A!F57, B!F57, 'C'!F57, D!F57, F!F57, HDF!F57, G!F57, HDG!F57, K!F57, L!F57, M!F57, N!F57, Pre!F57, 'Oth1'!F57, 'Oth2'!F57)","v":0},0,null,0,{"$f":"SUM(A!J57, B!J57,'C'!J57, D!J57, F!J57, HDF!J57, G!J57, HDG!J57, K!J57, L!J57, M!J57, N!J57, Pre!J57, 'Oth1'!J57, 'Oth2'!J57)","v":0},null,-84,2032,1,{"$f":"SUM(A!O57, B!O57, 'C'!O57, D!O57, F!O57, HDF!O57, G!O57, HDG!O57, K!O57, L!O57, M!O57, N!O57, Pre!O57, 'Oth1'!O57, 'Oth2'!O57)","v":0},{"$f":"SUM(A!P57, B!P57, 'C'!P57, D!P57, F!P57, HDF!P57, G!P57, HDG!P57, K!P57, L!P57, M!P57, N!P57, Pre!P57, 'Oth1'!P57, 'Oth2'!P57)","v":0},0,null,0,{"$f":"SUM(A!T57, B!T57,'C'!T57, D!T57, F!T57, HDF!T57, G!T57, HDG!T57, K!T57, L!T57, M!T57, N!T57, Pre!T57, 'Oth1'!T57, 'Oth2'!T57)","v":0}]
[null,-96,2033,1,{"$f":"SUM(A!E58, B!E58, 'C'!E58, D!E58, F!E58, HDF!E58, G!E58, HDG!E58, K!E58, L!E58, M!E58, N!E58, Pre!E58, 'Oth1'!E58, 'Oth2'!E58)","v":0},{"$f":"SUM(A!F58, B!F58, 'C'!F58, D!F58, F!F58, HDF!F58, G!F58, HDG!F58, K!F58, L!F58, M!F58, N!F58, Pre!F58, 'Oth1'!F58, 'Oth2'!F58)","v":0},0,null,0,{"$f":"SUM(A!J58, B!J58,'C'!J58, D!J58, F!J58, HDF!J58, G!J58, HDG!J58, K!J58, L!J58, M!J58, N!J58, Pre!J58, 'Oth1'!J58, 'Oth2'!J58)","v":0},null,-96,2033,1,{"$f":"SUM(A!O58, B!O58, 'C'!O58, D!O58, F!O58, HDF!O58, G!O58, HDG!O58, K!O58, L!O58, M!O58, N!O58, Pre!O58, 'Oth1'!O58, 'Oth2'!O58)","v":0},{"$f":"SUM(A!P58, B!P58, 'C'!P58, D!P58, F!P58, HDF!P58, G!P58, HDG!P58, K!P58, L!P58, M!P58, N!P58, Pre!P58, 'Oth1'!P58, 'Oth2'!P58)","v":0},0,null,0,{"$f":"SUM(A!T58, B!T58,'C'!T58, D!T58, F!T58, HDF!T58, G!T58, HDG!T58, K!T58, L!T58, M!T58, N!T58, Pre!T58, 'Oth1'!T58, 'Oth2'!T58)","v":0}]
[null,-108,2034,1,{"$f":"SUM(A!E59, B!E59, 'C'!E59, D!E59, F!E59, HDF!E59, G!E59, HDG!E59, K!E59, L!E59, M!E59, N!E59, Pre!E59, 'Oth1'!E59, 'Oth2'!E59)","v":0},{"$f":"SUM(A!F59, B!F59, 'C'!F59, D!F59, F!F59, HDF!F59, G!F59, HDG!F59, K!F59, L!F59, M!F59, N!F59, Pre!F59, 'Oth1'!F59, 'Oth2'!F59)","v":0},0,null,0,{"$f":"SUM(A!J59, B!J59,'C'!J59, D!J59, F!J59, HDF!J59, G!J59, HDG!J59, K!J59, L!J59, M!J59, N!J59, Pre!J59, 'Oth1'!J59, 'Oth2'!J59)","v":0},null,-108,2034,1,{"$f":"SUM(A!O59, B!O59, 'C'!O59, D!O59, F!O59, HDF!O59, G!O59, HDG!O59, K!O59, L!O59, M!O59, N!O59, Pre!O59, 'Oth1'!O59, 'Oth2'!O59)","v":0},{"$f":"SUM(A!P59, B!P59, 'C'!P59, D!P59, F!P59, HDF!P59, G!P59, HDG!P59, K!P59, L!P59, M!P59, N!P59, Pre!P59, 'Oth1'!P59, 'Oth2'!P59)","v":0},0,null,0,{"$f":"SUM(A!T59, B!T59,'C'!T59, D!T59, F!T59, HDF!T59, G!T59, HDG!T59, K!T59, L!T59, M!T59, N!T59, Pre!T59, 'Oth1'!T59, 'Oth2'!T59)","v":0}]
[null,-120,2035,1,{"$f":"SUM(A!E60, B!E60, 'C'!E60, D!E60, F!E60, HDF!E60, G!E60, HDG!E60, K!E60, L!E60, M!E60, N!E60, Pre!E60, 'Oth1'!E60, 'Oth2'!E60)","v":0},{"$f":"SUM(A!F60, B!F60, 'C'!F60, D!F60, F!F60, HDF!F60, G!F60, HDG!F60, K!F60, L!F60, M!F60, N!F60, Pre!F60, 'Oth1'!F60, 'Oth2'!F60)","v":0},0,null,0,{"$f":"SUM(A!J60, B!J60,'C'!J60, D!J60, F!J60, HDF!J60, G!J60, HDG!J60, K!J60, L!J60, M!J60, N!J60, Pre!J60, 'Oth1'!J60, 'Oth2'!J60)","v":0},null,-120,2035,1,{"$f":"SUM(A!O60, B!O60, 'C'!O60, D!O60, F!O60, HDF!O60, G!O60, HDG!O60, K!O60, L!O60, M!O60, N!O60, Pre!O60, 'Oth1'!O60, 'Oth2'!O60)","v":0},{"$f":"SUM(A!P60, B!P60, 'C'!P60, D!P60, F!P60, HDF!P60, G!P60, HDG!P60, K!P60, L!P60, M!P60, N!P60, Pre!P60, 'Oth1'!P60, 'Oth2'!P60)","v":0},0,null,0,{"$f":"SUM(A!T60, B!T60,'C'!T60, D!T60, F!T60, HDF!T60, G!T60, HDG!T60, K!T60, L!T60, M!T60, N!T60, Pre!T60, 'Oth1'!T60, 'Oth2'!T60)","v":0}]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},{"$f":"SUM(A!E61, B!E61, 'C'!E61, D!E61, F!E61, HDF!E61, G!E61, HDG!E61, K!E61, L!E61, M!E61, N!E61, Pre!E61, 'Oth1'!E61, 'Oth2'!E61)","v":0},{"$f":"SUM(A!F61, B!F61, 'C'!F61, D!F61, F!F61, HDF!F61, G!F61, HDG!F61, K!F61, L!F61, M!F61, N!F61, Pre!F61, 'Oth1'!F61, 'Oth2'!F61)","v":0},0,null,0,{"$f":"SUM(A!J61, B!J61,'C'!J61, D!J61, F!J61, HDF!J61, G!J61, HDG!J61, K!J61, L!J61, M!J61, N!J61, Pre!J61, 'Oth1'!J61, 'Oth2'!J61)","v":0},null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},{"$f":"SUM(A!O61, B!O61, 'C'!O61, D!O61, F!O61, HDF!O61, G!O61, HDG!O61, K!O61, L!O61, M!O61, N!O61, Pre!O61, 'Oth1'!O61, 'Oth2'!O61)","v":0},{"$f":"SUM(A!P61, B!P61, 'C'!P61, D!P61, F!P61, HDF!P61, G!P61, HDG!P61, K!P61, L!P61, M!P61, N!P61, Pre!P61, 'Oth1'!P61, 'Oth2'!P61)","v":0},0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0},{"$f":"SUM(A!T61, B!T61,'C'!T61, D!T61, F!T61, HDF!T61, G!T61, HDG!T61, K!T61, L!T61, M!T61, N!T61, Pre!T61, 'Oth1'!T61, 'Oth2'!T61)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},{"$f":"SUM(A!E74, B!E74, 'C'!E74, D!E74, F!E74, HDF!E74, G!E74, HDG!E74, K!E74, L!E74, M!E74, N!E74, Pre!E74, 'Oth1'!E74, 'Oth2'!E74)","v":0},{"$f":"SUM(A!F74, B!F74, 'C'!F74, D!F74, F!F74, HDF!F74, G!F74, HDG!F74, K!F74, L!F74, M!F74, N!F74, Pre!F74, 'Oth1'!F74, 'Oth2'!F74)","v":0},{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},{"$f":"SUM(A:B!J74, A:B!J74, 'C'!J74, D!J74, F!J74, HDF!J74, G!J74, HDG!J74, K!J74, L!J74, M!J74, N!J74, Pre!J74, 'Oth1'!J74, 'Oth2'!J74)","v":0},null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},{"$f":"SUM(A!O74, B!O74, 'C'!O74, D!O74, F!O74, HDF!O74, G!O74, HDG!O74, K!O74, L!O74, M!O74, N!O74, Pre!O74, 'Oth1'!O74, 'Oth2'!O74)","v":0},{"$f":"SUM(A!P74, B!P74, 'C'!P74, D!P74, F!P74, HDF!P74, G!P74, HDG!P74, K!P74, L!P74, M!P74, N!P74, Pre!P74, 'Oth1'!P74, 'Oth2'!P74)","v":0},{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0},{"$f":"SUM(A:B!T74, A:B!T74, 'C'!T74, D!T74, F!T74, HDF!T74, G!T74, HDG!T74, K!T74, L!T74, M!T74, N!T74, Pre!T74, 'Oth1'!T74, 'Oth2'!T74)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},{"$f":"SUM(A!E75, B!E75, 'C'!E75, D!E75, F!E75, HDF!E75, G!E75, HDG!E75, K!E75, L!E75, M!E75, N!E75, Pre!E75, 'Oth1'!E75, 'Oth2'!E75)","v":0},{"$f":"SUM(A!F75, B!F75, 'C'!F75, D!F75, F!F75, HDF!F75, G!F75, HDG!F75, K!F75, L!F75, M!F75, N!F75, Pre!F75, 'Oth1'!F75, 'Oth2'!F75)","v":0},0,null,0,{"$f":"SUM(A:B!J75, A:B!J75, 'C'!J75, D!J75, F!J75, HDF!J75, G!J75, HDG!J75, K!J75, L!J75, M!J75, N!J75, Pre!J75, 'Oth1'!J75, 'Oth2'!J75)","v":0},null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},{"$f":"SUM(A!O75, B!O75, 'C'!O75, D!O75, F!O75, HDF!O75, G!O75, HDG!O75, K!O75, L!O75, M!O75, N!O75, Pre!O75, 'Oth1'!O75, 'Oth2'!O75)","v":0},{"$f":"SUM(A!P75, B!P75, 'C'!P75, D!P75, F!P75, HDF!P75, G!P75, HDG!P75, K!P75, L!P75, M!P75, N!P75, Pre!P75, 'Oth1'!P75, 'Oth2'!P75)","v":0},0,null,0,{"$f":"SUM(A:B!T75, A:B!T75, 'C'!T75, D!T75, F!T75, HDF!T75, G!T75, HDG!T75, K!T75, L!T75, M!T75, N!T75, Pre!T75, 'Oth1'!T75, 'Oth2'!T75)","v":0}]
[null,108,{"$f":"C75+1","v":2016},1,{"$f":"SUM(A!E76, B!E76, 'C'!E76, D!E76, F!E76, HDF!E76, G!E76, HDG!E76, K!E76, L!E76, M!E76, N!E76, Pre!E76, 'Oth1'!E76, 'Oth2'!E76)","v":0},{"$f":"SUM(A!F76, B!F76, 'C'!F76, D!F76, F!F76, HDF!F76, G!F76, HDG!F76, K!F76, L!F76, M!F76, N!F76, Pre!F76, 'Oth1'!F76, 'Oth2'!F76)","v":0},0,null,0,{"$f":"SUM(A:B!J76, A:B!J76, 'C'!J76, D!J76, F!J76, HDF!J76, G!J76, HDG!J76, K!J76, L!J76, M!J76, N!J76, Pre!J76, 'Oth1'!J76, 'Oth2'!J76)","v":0},null,108,{"$f":"M75+1","v":2016},1,{"$f":"SUM(A!O76, B!O76, 'C'!O76, D!O76, F!O76, HDF!O76, G!O76, HDG!O76, K!O76, L!O76, M!O76, N!O76, Pre!O76, 'Oth1'!O76, 'Oth2'!O76)","v":0},{"$f":"SUM(A!P76, B!P76, 'C'!P76, D!P76, F!P76, HDF!P76, G!P76, HDG!P76, K!P76, L!P76, M!P76, N!P76, Pre!P76, 'Oth1'!P76, 'Oth2'!P76)","v":0},0,null,0,{"$f":"SUM(A:B!T76, A:B!T76, 'C'!T76, D!T76, F!T76, HDF!T76, G!T76, HDG!T76, K!T76, L!T76, M!T76, N!T76, Pre!T76, 'Oth1'!T76, 'Oth2'!T76)","v":0}]
[null,96,{"$f":"C76+1","v":2017},1,{"$f":"SUM(A!E77, B!E77, 'C'!E77, D!E77, F!E77, HDF!E77, G!E77, HDG!E77, K!E77, L!E77, M!E77, N!E77, Pre!E77, 'Oth1'!E77, 'Oth2'!E77)","v":0},{"$f":"SUM(A!F77, B!F77, 'C'!F77, D!F77, F!F77, HDF!F77, G!F77, HDG!F77, K!F77, L!F77, M!F77, N!F77, Pre!F77, 'Oth1'!F77, 'Oth2'!F77)","v":0},0,null,0,{"$f":"SUM(A:B!J77, A:B!J77, 'C'!J77, D!J77, F!J77, HDF!J77, G!J77, HDG!J77, K!J77, L!J77, M!J77, N!J77, Pre!J77, 'Oth1'!J77, 'Oth2'!J77)","v":0},null,96,2017,1,{"$f":"SUM(A!O77, B!O77, 'C'!O77, D!O77, F!O77, HDF!O77, G!O77, HDG!O77, K!O77, L!O77, M!O77, N!O77, Pre!O77, 'Oth1'!O77, 'Oth2'!O77)","v":0},{"$f":"SUM(A!P77, B!P77, 'C'!P77, D!P77, F!P77, HDF!P77, G!P77, HDG!P77, K!P77, L!P77, M!P77, N!P77, Pre!P77, 'Oth1'!P77, 'Oth2'!P77)","v":0},0,null,0,{"$f":"SUM(A:B!T77, A:B!T77, 'C'!T77, D!T77, F!T77, HDF!T77, G!T77, HDG!T77, K!T77, L!T77, M!T77, N!T77, Pre!T77, 'Oth1'!T77, 'Oth2'!T77)","v":0}]
[null,84,2018,1,{"$f":"SUM(A!E78, B!E78, 'C'!E78, D!E78, F!E78, HDF!E78, G!E78, HDG!E78, K!E78, L!E78, M!E78, N!E78, Pre!E78, 'Oth1'!E78, 'Oth2'!E78)","v":0},{"$f":"SUM(A!F78, B!F78, 'C'!F78, D!F78, F!F78, HDF!F78, G!F78, HDG!F78, K!F78, L!F78, M!F78, N!F78, Pre!F78, 'Oth1'!F78, 'Oth2'!F78)","v":0},0,null,0,{"$f":"SUM(A:B!J78, A:B!J78, 'C'!J78, D!J78, F!J78, HDF!J78, G!J78, HDG!J78, K!J78, L!J78, M!J78, N!J78, Pre!J78, 'Oth1'!J78, 'Oth2'!J78)","v":0},null,84,2018,1,{"$f":"SUM(A!O78, B!O78, 'C'!O78, D!O78, F!O78, HDF!O78, G!O78, HDG!O78, K!O78, L!O78, M!O78, N!O78, Pre!O78, 'Oth1'!O78, 'Oth2'!O78)","v":0},{"$f":"SUM(A!P78, B!P78, 'C'!P78, D!P78, F!P78, HDF!P78, G!P78, HDG!P78, K!P78, L!P78, M!P78, N!P78, Pre!P78, 'Oth1'!P78, 'Oth2'!P78)","v":0},0,null,0,{"$f":"SUM(A:B!T78, A:B!T78, 'C'!T78, D!T78, F!T78, HDF!T78, G!T78, HDG!T78, K!T78, L!T78, M!T78, N!T78, Pre!T78, 'Oth1'!T78, 'Oth2'!T78)","v":0}]
[null,72,2019,1,{"$f":"SUM(A!E79, B!E79, 'C'!E79, D!E79, F!E79, HDF!E79, G!E79, HDG!E79, K!E79, L!E79, M!E79, N!E79, Pre!E79, 'Oth1'!E79, 'Oth2'!E79)","v":0},{"$f":"SUM(A!F79, B!F79, 'C'!F79, D!F79, F!F79, HDF!F79, G!F79, HDG!F79, K!F79, L!F79, M!F79, N!F79, Pre!F79, 'Oth1'!F79, 'Oth2'!F79)","v":0},0,null,0,{"$f":"SUM(A:B!J79, A:B!J79, 'C'!J79, D!J79, F!J79, HDF!J79, G!J79, HDG!J79, K!J79, L!J79, M!J79, N!J79, Pre!J79, 'Oth1'!J79, 'Oth2'!J79)","v":0},null,72,2019,1,{"$f":"SUM(A!O79, B!O79, 'C'!O79, D!O79, F!O79, HDF!O79, G!O79, HDG!O79, K!O79, L!O79, M!O79, N!O79, Pre!O79, 'Oth1'!O79, 'Oth2'!O79)","v":0},{"$f":"SUM(A!P79, B!P79, 'C'!P79, D!P79, F!P79, HDF!P79, G!P79, HDG!P79, K!P79, L!P79, M!P79, N!P79, Pre!P79, 'Oth1'!P79, 'Oth2'!P79)","v":0},0,null,0,{"$f":"SUM(A:B!T79, A:B!T79, 'C'!T79, D!T79, F!T79, HDF!T79, G!T79, HDG!T79, K!T79, L!T79, M!T79, N!T79, Pre!T79, 'Oth1'!T79, 'Oth2'!T79)","v":0}]
[null,60,2020,1,{"$f":"SUM(A!E80, B!E80, 'C'!E80, D!E80, F!E80, HDF!E80, G!E80, HDG!E80, K!E80, L!E80, M!E80, N!E80, Pre!E80, 'Oth1'!E80, 'Oth2'!E80)","v":0},{"$f":"SUM(A!F80, B!F80, 'C'!F80, D!F80, F!F80, HDF!F80, G!F80, HDG!F80, K!F80, L!F80, M!F80, N!F80, Pre!F80, 'Oth1'!F80, 'Oth2'!F80)","v":0},0,null,0,{"$f":"SUM(A:B!J80, A:B!J80, 'C'!J80, D!J80, F!J80, HDF!J80, G!J80, HDG!J80, K!J80, L!J80, M!J80, N!J80, Pre!J80, 'Oth1'!J80, 'Oth2'!J80)","v":0},null,60,2020,1,{"$f":"SUM(A!O80, B!O80, 'C'!O80, D!O80, F!O80, HDF!O80, G!O80, HDG!O80, K!O80, L!O80, M!O80, N!O80, Pre!O80, 'Oth1'!O80, 'Oth2'!O80)","v":0},{"$f":"SUM(A!P80, B!P80, 'C'!P80, D!P80, F!P80, HDF!P80, G!P80, HDG!P80, K!P80, L!P80, M!P80, N!P80, Pre!P80, 'Oth1'!P80, 'Oth2'!P80)","v":0},0,null,0,{"$f":"SUM(A:B!T80, A:B!T80, 'C'!T80, D!T80, F!T80, HDF!T80, G!T80, HDG!T80, K!T80, L!T80, M!T80, N!T80, Pre!T80, 'Oth1'!T80, 'Oth2'!T80)","v":0}]
[null,48,2021,1,{"$f":"SUM(A!E81, B!E81, 'C'!E81, D!E81, F!E81, HDF!E81, G!E81, HDG!E81, K!E81, L!E81, M!E81, N!E81, Pre!E81, 'Oth1'!E81, 'Oth2'!E81)","v":0},{"$f":"SUM(A!F81, B!F81, 'C'!F81, D!F81, F!F81, HDF!F81, G!F81, HDG!F81, K!F81, L!F81, M!F81, N!F81, Pre!F81, 'Oth1'!F81, 'Oth2'!F81)","v":0},0,null,0,{"$f":"SUM(A:B!J81, A:B!J81, 'C'!J81, D!J81, F!J81, HDF!J81, G!J81, HDG!J81, K!J81, L!J81, M!J81, N!J81, Pre!J81, 'Oth1'!J81, 'Oth2'!J81)","v":0},null,48,2021,1,{"$f":"SUM(A!O81, B!O81, 'C'!O81, D!O81, F!O81, HDF!O81, G!O81, HDG!O81, K!O81, L!O81, M!O81, N!O81, Pre!O81, 'Oth1'!O81, 'Oth2'!O81)","v":0},{"$f":"SUM(A!P81, B!P81, 'C'!P81, D!P81, F!P81, HDF!P81, G!P81, HDG!P81, K!P81, L!P81, M!P81, N!P81, Pre!P81, 'Oth1'!P81, 'Oth2'!P81)","v":0},0,null,0,{"$f":"SUM(A:B!T81, A:B!T81, 'C'!T81, D!T81, F!T81, HDF!T81, G!T81, HDG!T81, K!T81, L!T81, M!T81, N!T81, Pre!T81, 'Oth1'!T81, 'Oth2'!T81)","v":0}]
[null,36,2022,1,{"$f":"SUM(A!E82, B!E82, 'C'!E82, D!E82, F!E82, HDF!E82, G!E82, HDG!E82, K!E82, L!E82, M!E82, N!E82, Pre!E82, 'Oth1'!E82, 'Oth2'!E82)","v":0},{"$f":"SUM(A!F82, B!F82, 'C'!F82, D!F82, F!F82, HDF!F82, G!F82, HDG!F82, K!F82, L!F82, M!F82, N!F82, Pre!F82, 'Oth1'!F82, 'Oth2'!F82)","v":0},0,null,0,{"$f":"SUM(A:B!J82, A:B!J82, 'C'!J82, D!J82, F!J82, HDF!J82, G!J82, HDG!J82, K!J82, L!J82, M!J82, N!J82, Pre!J82, 'Oth1'!J82, 'Oth2'!J82)","v":0},null,36,2022,1,{"$f":"SUM(A!O82, B!O82, 'C'!O82, D!O82, F!O82, HDF!O82, G!O82, HDG!O82, K!O82, L!O82, M!O82, N!O82, Pre!O82, 'Oth1'!O82, 'Oth2'!O82)","v":0},{"$f":"SUM(A!P82, B!P82, 'C'!P82, D!P82, F!P82, HDF!P82, G!P82, HDG!P82, K!P82, L!P82, M!P82, N!P82, Pre!P82, 'Oth1'!P82, 'Oth2'!P82)","v":0},0,null,0,{"$f":"SUM(A:B!T82, A:B!T82, 'C'!T82, D!T82, F!T82, HDF!T82, G!T82, HDG!T82, K!T82, L!T82, M!T82, N!T82, Pre!T82, 'Oth1'!T82, 'Oth2'!T82)","v":0}]
[null,{"$f":"B84+12","v":24},2023,1,{"$f":"SUM(A!E83, B!E83, 'C'!E83, D!E83, F!E83, HDF!E83, G!E83, HDG!E83, K!E83, L!E83, M!E83, N!E83, Pre!E83, 'Oth1'!E83, 'Oth2'!E83)","v":0},{"$f":"SUM(A!F83, B!F83, 'C'!F83, D!F83, F!F83, HDF!F83, G!F83, HDG!F83, K!F83, L!F83, M!F83, N!F83, Pre!F83, 'Oth1'!F83, 'Oth2'!F83)","v":0},0,null,0,{"$f":"SUM(A:B!J83, A:B!J83, 'C'!J83, D!J83, F!J83, HDF!J83, G!J83, HDG!J83, K!J83, L!J83, M!J83, N!J83, Pre!J83, 'Oth1'!J83, 'Oth2'!J83)","v":0},null,24,2023,1,{"$f":"SUM(A!O83, B!O83, 'C'!O83, D!O83, F!O83, HDF!O83, G!O83, HDG!O83, K!O83, L!O83, M!O83, N!O83, Pre!O83, 'Oth1'!O83, 'Oth2'!O83)","v":0},{"$f":"SUM(A!P83, B!P83, 'C'!P83, D!P83, F!P83, HDF!P83, G!P83, HDG!P83, K!P83, L!P83, M!P83, N!P83, Pre!P83, 'Oth1'!P83, 'Oth2'!P83)","v":0},0,null,0,{"$f":"SUM(A:B!T83, A:B!T83, 'C'!T83, D!T83, F!T83, HDF!T83, G!T83, HDG!T83, K!T83, L!T83, M!T83, N!T83, Pre!T83, 'Oth1'!T83, 'Oth2'!T83)","v":0}]
[null,{"$f":"6+B85*2","v":12},2024,1,{"$f":"SUM(A!E84, B!E84, 'C'!E84, D!E84, F!E84, HDF!E84, G!E84, HDG!E84, K!E84, L!E84, M!E84, N!E84, Pre!E84, 'Oth1'!E84, 'Oth2'!E84)","v":0},{"$f":"SUM(A!F84, B!F84, 'C'!F84, D!F84, F!F84, HDF!F84, G!F84, HDG!F84, K!F84, L!F84, M!F84, N!F84, Pre!F84, 'Oth1'!F84, 'Oth2'!F84)","v":0},0,null,0,{"$f":"SUM(A:B!J84, A:B!J84, 'C'!J84, D!J84, F!J84, HDF!J84, G!J84, HDG!J84, K!J84, L!J84, M!J84, N!J84, Pre!J84, 'Oth1'!J84, 'Oth2'!J84)","v":0},null,{"$f":"6+L85*2","v":12},2024,1,{"$f":"SUM(A!O84, B!O84, 'C'!O84, D!O84, F!O84, HDF!O84, G!O84, HDG!O84, K!O84, L!O84, M!O84, N!O84, Pre!O84, 'Oth1'!O84, 'Oth2'!O84)","v":0},{"$f":"SUM(A!P84, B!P84, 'C'!P84, D!P84, F!P84, HDF!P84, G!P84, HDG!P84, K!P84, L!P84, M!P84, N!P84, Pre!P84, 'Oth1'!P84, 'Oth2'!P84)","v":0},0,null,0,{"$f":"SUM(A:B!T84, A:B!T84, 'C'!T84, D!T84, F!T84, HDF!T84, G!T84, HDG!T84, K!T84, L!T84, M!T84, N!T84, Pre!T84, 'Oth1'!T84, 'Oth2'!T84)","v":0}]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,{"$f":"SUM(A!E85, B!E85, 'C'!E85, D!E85, F!E85, HDF!E85, G!E85, HDG!E85, K!E85, L!E85, M!E85, N!E85, Pre!E85, 'Oth1'!E85, 'Oth2'!E85)","v":0},{"$f":"SUM(A!F85, B!F85, 'C'!F85, D!F85, F!F85, HDF!F85, G!F85, HDG!F85, K!F85, L!F85, M!F85, N!F85, Pre!F85, 'Oth1'!F85, 'Oth2'!F85)","v":0},0,null,0,{"$f":"SUM(A:B!J85, A:B!J85, 'C'!J85, D!J85, F!J85, HDF!J85, G!J85, HDG!J85, K!J85, L!J85, M!J85, N!J85, Pre!J85, 'Oth1'!J85, 'Oth2'!J85)","v":0},null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,{"$f":"SUM(A!O85, B!O85, 'C'!O85, D!O85, F!O85, HDF!O85, G!O85, HDG!O85, K!O85, L!O85, M!O85, N!O85, Pre!O85, 'Oth1'!O85, 'Oth2'!O85)","v":0},{"$f":"SUM(A!P85, B!P85, 'C'!P85, D!P85, F!P85, HDF!P85, G!P85, HDG!P85, K!P85, L!P85, M!P85, N!P85, Pre!P85, 'Oth1'!P85, 'Oth2'!P85)","v":0},0,null,0,{"$f":"SUM(A:B!T85, A:B!T85, 'C'!T85, D!T85, F!T85, HDF!T85, G!T85, HDG!T85, K!T85, L!T85, M!T85, N!T85, Pre!T85, 'Oth1'!T85, 'Oth2'!T85)","v":0}]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,{"$f":"SUM(A!E86, B!E86, 'C'!E86, D!E86, F!E86, HDF!E86, G!E86, HDG!E86, K!E86, L!E86, M!E86, N!E86, Pre!E86, 'Oth1'!E86, 'Oth2'!E86)","v":0},{"$f":"SUM(A!F86, B!F86, 'C'!F86, D!F86, F!F86, HDF!F86, G!F86, HDG!F86, K!F86, L!F86, M!F86, N!F86, Pre!F86, 'Oth1'!F86, 'Oth2'!F86)","v":0},0,null,0,{"$f":"SUM(A:B!J86, A:B!J86, 'C'!J86, D!J86, F!J86, HDF!J86, G!J86, HDG!J86, K!J86, L!J86, M!J86, N!J86, Pre!J86, 'Oth1'!J86, 'Oth2'!J86)","v":0},null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,{"$f":"SUM(A!O86, B!O86, 'C'!O86, D!O86, F!O86, HDF!O86, G!O86, HDG!O86, K!O86, L!O86, M!O86, N!O86, Pre!O86, 'Oth1'!O86, 'Oth2'!O86)","v":0},{"$f":"SUM(A!P86, B!P86, 'C'!P86, D!P86, F!P86, HDF!P86, G!P86, HDG!P86, K!P86, L!P86, M!P86, N!P86, Pre!P86, 'Oth1'!P86, 'Oth2'!P86)","v":0},0,null,0,{"$f":"SUM(A:B!T86, A:B!T86, 'C'!T86, D!T86, F!T86, HDF!T86, G!T86, HDG!T86, K!T86, L!T86, M!T86, N!T86, Pre!T86, 'Oth1'!T86, 'Oth2'!T86)","v":0}]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,{"$f":"SUM(A!E87, B!E87, 'C'!E87, D!E87, F!E87, HDF!E87, G!E87, HDG!E87, K!E87, L!E87, M!E87, N!E87, Pre!E87, 'Oth1'!E87, 'Oth2'!E87)","v":0},{"$f":"SUM(A!F87, B!F87, 'C'!F87, D!F87, F!F87, HDF!F87, G!F87, HDG!F87, K!F87, L!F87, M!F87, N!F87, Pre!F87, 'Oth1'!F87, 'Oth2'!F87)","v":0},0,null,0,{"$f":"SUM(A:B!J87, A:B!J87, 'C'!J87, D!J87, F!J87, HDF!J87, G!J87, HDG!J87, K!J87, L!J87, M!J87, N!J87, Pre!J87, 'Oth1'!J87, 'Oth2'!J87)","v":0},null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,{"$f":"SUM(A!O87, B!O87, 'C'!O87, D!O87, F!O87, HDF!O87, G!O87, HDG!O87, K!O87, L!O87, M!O87, N!O87, Pre!O87, 'Oth1'!O87, 'Oth2'!O87)","v":0},{"$f":"SUM(A!P87, B!P87, 'C'!P87, D!P87, F!P87, HDF!P87, G!P87, HDG!P87, K!P87, L!P87, M!P87, N!P87, Pre!P87, 'Oth1'!P87, 'Oth2'!P87)","v":0},0,null,0,{"$f":"SUM(A:B!T87, A:B!T87, 'C'!T87, D!T87, F!T87, HDF!T87, G!T87, HDG!T87, K!T87, L!T87, M!T87, N!T87, Pre!T87, 'Oth1'!T87, 'Oth2'!T87)","v":0}]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,{"$f":"SUM(A!E88, B!E88, 'C'!E88, D!E88, F!E88, HDF!E88, G!E88, HDG!E88, K!E88, L!E88, M!E88, N!E88, Pre!E88, 'Oth1'!E88, 'Oth2'!E88)","v":0},{"$f":"SUM(A!F88, B!F88, 'C'!F88, D!F88, F!F88, HDF!F88, G!F88, HDG!F88, K!F88, L!F88, M!F88, N!F88, Pre!F88, 'Oth1'!F88, 'Oth2'!F88)","v":0},0,null,0,{"$f":"SUM(A:B!J88, A:B!J88, 'C'!J88, D!J88, F!J88, HDF!J88, G!J88, HDG!J88, K!J88, L!J88, M!J88, N!J88, Pre!J88, 'Oth1'!J88, 'Oth2'!J88)","v":0},null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,{"$f":"SUM(A!O88, B!O88, 'C'!O88, D!O88, F!O88, HDF!O88, G!O88, HDG!O88, K!O88, L!O88, M!O88, N!O88, Pre!O88, 'Oth1'!O88, 'Oth2'!O88)","v":0},{"$f":"SUM(A!P88, B!P88, 'C'!P88, D!P88, F!P88, HDF!P88, G!P88, HDG!P88, K!P88, L!P88, M!P88, N!P88, Pre!P88, 'Oth1'!P88, 'Oth2'!P88)","v":0},0,null,0,{"$f":"SUM(A:B!T88, A:B!T88, 'C'!T88, D!T88, F!T88, HDF!T88, G!T88, HDG!T88, K!T88, L!T88, M!T88, N!T88, Pre!T88, 'Oth1'!T88, 'Oth2'!T88)","v":0}]
[null,-36,{"$f":"C88+1","v":2028},1,{"$f":"SUM(A!E89, B!E89, 'C'!E89, D!E89, F!E89, HDF!E89, G!E89, HDG!E89, K!E89, L!E89, M!E89, N!E89, Pre!E89, 'Oth1'!E89, 'Oth2'!E89)","v":0},{"$f":"SUM(A!F89, B!F89, 'C'!F89, D!F89, F!F89, HDF!F89, G!F89, HDG!F89, K!F89, L!F89, M!F89, N!F89, Pre!F89, 'Oth1'!F89, 'Oth2'!F89)","v":0},0,null,0,{"$f":"SUM(A:B!J89, A:B!J89, 'C'!J89, D!J89, F!J89, HDF!J89, G!J89, HDG!J89, K!J89, L!J89, M!J89, N!J89, Pre!J89, 'Oth1'!J89, 'Oth2'!J89)","v":0},null,-36,2028,1,{"$f":"SUM(A!O89, B!O89, 'C'!O89, D!O89, F!O89, HDF!O89, G!O89, HDG!O89, K!O89, L!O89, M!O89, N!O89, Pre!O89, 'Oth1'!O89, 'Oth2'!O89)","v":0},{"$f":"SUM(A!P89, B!P89, 'C'!P89, D!P89, F!P89, HDF!P89, G!P89, HDG!P89, K!P89, L!P89, M!P89, N!P89, Pre!P89, 'Oth1'!P89, 'Oth2'!P89)","v":0},0,null,0,{"$f":"SUM(A:B!T89, A:B!T89, 'C'!T89, D!T89, F!T89, HDF!T89, G!T89, HDG!T89, K!T89, L!T89, M!T89, N!T89, Pre!T89, 'Oth1'!T89, 'Oth2'!T89)","v":0}]
[null,-48,2029,1,{"$f":"SUM(A!E90, B!E90, 'C'!E90, D!E90, F!E90, HDF!E90, G!E90, HDG!E90, K!E90, L!E90, M!E90, N!E90, Pre!E90, 'Oth1'!E90, 'Oth2'!E90)","v":0},{"$f":"SUM(A!F90, B!F90, 'C'!F90, D!F90, F!F90, HDF!F90, G!F90, HDG!F90, K!F90, L!F90, M!F90, N!F90, Pre!F90, 'Oth1'!F90, 'Oth2'!F90)","v":0},0,null,0,{"$f":"SUM(A:B!J90, A:B!J90, 'C'!J90, D!J90, F!J90, HDF!J90, G!J90, HDG!J90, K!J90, L!J90, M!J90, N!J90, Pre!J90, 'Oth1'!J90, 'Oth2'!J90)","v":0},null,-48,2029,1,{"$f":"SUM(A!O90, B!O90, 'C'!O90, D!O90, F!O90, HDF!O90, G!O90, HDG!O90, K!O90, L!O90, M!O90, N!O90, Pre!O90, 'Oth1'!O90, 'Oth2'!O90)","v":0},{"$f":"SUM(A!P90, B!P90, 'C'!P90, D!P90, F!P90, HDF!P90, G!P90, HDG!P90, K!P90, L!P90, M!P90, N!P90, Pre!P90, 'Oth1'!P90, 'Oth2'!P90)","v":0},0,null,0,{"$f":"SUM(A:B!T90, A:B!T90, 'C'!T90, D!T90, F!T90, HDF!T90, G!T90, HDG!T90, K!T90, L!T90, M!T90, N!T90, Pre!T90, 'Oth1'!T90, 'Oth2'!T90)","v":0}]
[null,-60,2030,1,{"$f":"SUM(A!E91, B!E91, 'C'!E91, D!E91, F!E91, HDF!E91, G!E91, HDG!E91, K!E91, L!E91, M!E91, N!E91, Pre!E91, 'Oth1'!E91, 'Oth2'!E91)","v":0},{"$f":"SUM(A!F91, B!F91, 'C'!F91, D!F91, F!F91, HDF!F91, G!F91, HDG!F91, K!F91, L!F91, M!F91, N!F91, Pre!F91, 'Oth1'!F91, 'Oth2'!F91)","v":0},0,null,0,{"$f":"SUM(A:B!J91, A:B!J91, 'C'!J91, D!J91, F!J91, HDF!J91, G!J91, HDG!J91, K!J91, L!J91, M!J91, N!J91, Pre!J91, 'Oth1'!J91, 'Oth2'!J91)","v":0},null,-60,2030,1,{"$f":"SUM(A!O91, B!O91, 'C'!O91, D!O91, F!O91, HDF!O91, G!O91, HDG!O91, K!O91, L!O91, M!O91, N!O91, Pre!O91, 'Oth1'!O91, 'Oth2'!O91)","v":0},{"$f":"SUM(A!P91, B!P91, 'C'!P91, D!P91, F!P91, HDF!P91, G!P91, HDG!P91, K!P91, L!P91, M!P91, N!P91, Pre!P91, 'Oth1'!P91, 'Oth2'!P91)","v":0},0,null,0,{"$f":"SUM(A:B!T91, A:B!T91, 'C'!T91, D!T91, F!T91, HDF!T91, G!T91, HDG!T91, K!T91, L!T91, M!T91, N!T91, Pre!T91, 'Oth1'!T91, 'Oth2'!T91)","v":0}]
[null,-72,2031,1,{"$f":"SUM(A!E92, B!E92, 'C'!E92, D!E92, F!E92, HDF!E92, G!E92, HDG!E92, K!E92, L!E92, M!E92, N!E92, Pre!E92, 'Oth1'!E92, 'Oth2'!E92)","v":0},{"$f":"SUM(A!F92, B!F92, 'C'!F92, D!F92, F!F92, HDF!F92, G!F92, HDG!F92, K!F92, L!F92, M!F92, N!F92, Pre!F92, 'Oth1'!F92, 'Oth2'!F92)","v":0},0,null,0,{"$f":"SUM(A:B!J92, A:B!J92, 'C'!J92, D!J92, F!J92, HDF!J92, G!J92, HDG!J92, K!J92, L!J92, M!J92, N!J92, Pre!J92, 'Oth1'!J92, 'Oth2'!J92)","v":0},null,-72,2031,1,{"$f":"SUM(A!O92, B!O92, 'C'!O92, D!O92, F!O92, HDF!O92, G!O92, HDG!O92, K!O92, L!O92, M!O92, N!O92, Pre!O92, 'Oth1'!O92, 'Oth2'!O92)","v":0},{"$f":"SUM(A!P92, B!P92, 'C'!P92, D!P92, F!P92, HDF!P92, G!P92, HDG!P92, K!P92, L!P92, M!P92, N!P92, Pre!P92, 'Oth1'!P92, 'Oth2'!P92)","v":0},0,null,0,{"$f":"SUM(A:B!T92, A:B!T92, 'C'!T92, D!T92, F!T92, HDF!T92, G!T92, HDG!T92, K!T92, L!T92, M!T92, N!T92, Pre!T92, 'Oth1'!T92, 'Oth2'!T92)","v":0}]
[null,-84,2032,1,{"$f":"SUM(A!E93, B!E93, 'C'!E93, D!E93, F!E93, HDF!E93, G!E93, HDG!E93, K!E93, L!E93, M!E93, N!E93, Pre!E93, 'Oth1'!E93, 'Oth2'!E93)","v":0},{"$f":"SUM(A!F93, B!F93, 'C'!F93, D!F93, F!F93, HDF!F93, G!F93, HDG!F93, K!F93, L!F93, M!F93, N!F93, Pre!F93, 'Oth1'!F93, 'Oth2'!F93)","v":0},0,null,0,{"$f":"SUM(A:B!J93, A:B!J93, 'C'!J93, D!J93, F!J93, HDF!J93, G!J93, HDG!J93, K!J93, L!J93, M!J93, N!J93, Pre!J93, 'Oth1'!J93, 'Oth2'!J93)","v":0},null,-84,2032,1,{"$f":"SUM(A!O93, B!O93, 'C'!O93, D!O93, F!O93, HDF!O93, G!O93, HDG!O93, K!O93, L!O93, M!O93, N!O93, Pre!O93, 'Oth1'!O93, 'Oth2'!O93)","v":0},{"$f":"SUM(A!P93, B!P93, 'C'!P93, D!P93, F!P93, HDF!P93, G!P93, HDG!P93, K!P93, L!P93, M!P93, N!P93, Pre!P93, 'Oth1'!P93, 'Oth2'!P93)","v":0},0,null,0,{"$f":"SUM(A:B!T93, A:B!T93, 'C'!T93, D!T93, F!T93, HDF!T93, G!T93, HDG!T93, K!T93, L!T93, M!T93, N!T93, Pre!T93, 'Oth1'!T93, 'Oth2'!T93)","v":0}]
[null,-96,2033,1,{"$f":"SUM(A!E94, B!E94, 'C'!E94, D!E94, F!E94, HDF!E94, G!E94, HDG!E94, K!E94, L!E94, M!E94, N!E94, Pre!E94, 'Oth1'!E94, 'Oth2'!E94)","v":0},{"$f":"SUM(A!F94, B!F94, 'C'!F94, D!F94, F!F94, HDF!F94, G!F94, HDG!F94, K!F94, L!F94, M!F94, N!F94, Pre!F94, 'Oth1'!F94, 'Oth2'!F94)","v":0},0,null,0,{"$f":"SUM(A:B!J94, A:B!J94, 'C'!J94, D!J94, F!J94, HDF!J94, G!J94, HDG!J94, K!J94, L!J94, M!J94, N!J94, Pre!J94, 'Oth1'!J94, 'Oth2'!J94)","v":0},null,-96,2033,1,{"$f":"SUM(A!O94, B!O94, 'C'!O94, D!O94, F!O94, HDF!O94, G!O94, HDG!O94, K!O94, L!O94, M!O94, N!O94, Pre!O94, 'Oth1'!O94, 'Oth2'!O94)","v":0},{"$f":"SUM(A!P94, B!P94, 'C'!P94, D!P94, F!P94, HDF!P94, G!P94, HDG!P94, K!P94, L!P94, M!P94, N!P94, Pre!P94, 'Oth1'!P94, 'Oth2'!P94)","v":0},0,null,0,{"$f":"SUM(A:B!T94, A:B!T94, 'C'!T94, D!T94, F!T94, HDF!T94, G!T94, HDG!T94, K!T94, L!T94, M!T94, N!T94, Pre!T94, 'Oth1'!T94, 'Oth2'!T94)","v":0}]
[null,-108,2034,1,{"$f":"SUM(A!E95, B!E95, 'C'!E95, D!E95, F!E95, HDF!E95, G!E95, HDG!E95, K!E95, L!E95, M!E95, N!E95, Pre!E95, 'Oth1'!E95, 'Oth2'!E95)","v":0},{"$f":"SUM(A!F95, B!F95, 'C'!F95, D!F95, F!F95, HDF!F95, G!F95, HDG!F95, K!F95, L!F95, M!F95, N!F95, Pre!F95, 'Oth1'!F95, 'Oth2'!F95)","v":0},0,null,0,{"$f":"SUM(A:B!J95, A:B!J95, 'C'!J95, D!J95, F!J95, HDF!J95, G!J95, HDG!J95, K!J95, L!J95, M!J95, N!J95, Pre!J95, 'Oth1'!J95, 'Oth2'!J95)","v":0},null,-108,2034,1,{"$f":"SUM(A!O95, B!O95, 'C'!O95, D!O95, F!O95, HDF!O95, G!O95, HDG!O95, K!O95, L!O95, M!O95, N!O95, Pre!O95, 'Oth1'!O95, 'Oth2'!O95)","v":0},{"$f":"SUM(A!P95, B!P95, 'C'!P95, D!P95, F!P95, HDF!P95, G!P95, HDG!P95, K!P95, L!P95, M!P95, N!P95, Pre!P95, 'Oth1'!P95, 'Oth2'!P95)","v":0},0,null,0,{"$f":"SUM(A:B!T95, A:B!T95, 'C'!T95, D!T95, F!T95, HDF!T95, G!T95, HDG!T95, K!T95, L!T95, M!T95, N!T95, Pre!T95, 'Oth1'!T95, 'Oth2'!T95)","v":0}]
[null,-120,2035,1,{"$f":"SUM(A!E96, B!E96, 'C'!E96, D!E96, F!E96, HDF!E96, G!E96, HDG!E96, K!E96, L!E96, M!E96, N!E96, Pre!E96, 'Oth1'!E96, 'Oth2'!E96)","v":0},{"$f":"SUM(A!F96, B!F96, 'C'!F96, D!F96, F!F96, HDF!F96, G!F96, HDG!F96, K!F96, L!F96, M!F96, N!F96, Pre!F96, 'Oth1'!F96, 'Oth2'!F96)","v":0},0,null,0,{"$f":"SUM(A:B!J96, A:B!J96, 'C'!J96, D!J96, F!J96, HDF!J96, G!J96, HDG!J96, K!J96, L!J96, M!J96, N!J96, Pre!J96, 'Oth1'!J96, 'Oth2'!J96)","v":0},null,-120,2035,1,{"$f":"SUM(A!O96, B!O96, 'C'!O96, D!O96, F!O96, HDF!O96, G!O96, HDG!O96, K!O96, L!O96, M!O96, N!O96, Pre!O96, 'Oth1'!O96, 'Oth2'!O96)","v":0},{"$f":"SUM(A!P96, B!P96, 'C'!P96, D!P96, F!P96, HDF!P96, G!P96, HDG!P96, K!P96, L!P96, M!P96, N!P96, Pre!P96, 'Oth1'!P96, 'Oth2'!P96)","v":0},0,null,0,{"$f":"SUM(A:B!T96, A:B!T96, 'C'!T96, D!T96, F!T96, HDF!T96, G!T96, HDG!T96, K!T96, L!T96, M!T96, N!T96, Pre!T96, 'Oth1'!T96, 'Oth2'!T96)","v":0}]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},{"$f":"SUM(A!E97, B!E97, 'C'!E97, D!E97, F!E97, HDF!E97, G!E97, HDG!E97, K!E97, L!E97, M!E97, N!E97, Pre!E97, 'Oth1'!E97, 'Oth2'!E97)","v":0},{"$f":"SUM(A!F97, B!F97, 'C'!F97, D!F97, F!F97, HDF!F97, G!F97, HDG!F97, K!F97, L!F97, M!F97, N!F97, Pre!F97, 'Oth1'!F97, 'Oth2'!F97)","v":0},0,null,0,{"$f":"SUM(A:B!J97, A:B!J97, 'C'!J97, D!J97, F!J97, HDF!J97, G!J97, HDG!J97, K!J97, L!J97, M!J97, N!J97, Pre!J97, 'Oth1'!J97, 'Oth2'!J97)","v":0},null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},{"$f":"SUM(A!O97, B!O97, 'C'!O97, D!O97, F!O97, HDF!O97, G!O97, HDG!O97, K!O97, L!O97, M!O97, N!O97, Pre!O97, 'Oth1'!O97, 'Oth2'!O97)","v":0},{"$f":"SUM(A!P97, B!P97, 'C'!P97, D!P97, F!P97, HDF!P97, G!P97, HDG!P97, K!P97, L!P97, M!P97, N!P97, Pre!P97, 'Oth1'!P97, 'Oth2'!P97)","v":0},0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0},{"$f":"SUM(A:B!T97, A:B!T97, 'C'!T97, D!T97, F!T97, HDF!T97, G!T97, HDG!T97, K!T97, L!T97, M!T97, N!T97, Pre!T97, 'Oth1'!T97, 'Oth2'!T97)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"A","index":10,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[8,1,8,19],[22,11,30,13],[16,12,16,13],[16,2,16,3],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan A",null,null,null,null,null,null,"Future rate",null,"Plan","Plan A",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,{"$f":"IFERROR(G39/H39, 0)","v":0},null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"B","index":11,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan B",null,null,null,null,null,null,"Future rate",null,"Plan","Plan B",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"C","index":12,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan C",null,null,null,null,null,null,"Future rate",null,"Plan","Plan C",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"D","index":13,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan D",null,null,null,null,null,null,"Future rate",null,"Plan","Plan D",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"F","index":14,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan F",null,null,null,null,null,null,"Future rate",null,"Plan","Plan F",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"HDF","index":15,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan HD-F",null,null,null,null,null,null,"Future rate",null,"Plan","Plan HD-F",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"G","index":16,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan G",null,null,null,null,null,null,"Future rate",null,"Plan","Plan G",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"HDG","index":17,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan HD-G",null,null,null,null,null,null,"Future rate",null,"Plan","Plan HD-G",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"K","index":18,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan K",null,null,null,null,null,null,"Future rate",null,"Plan","Plan K",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"L","index":19,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan L",null,null,null,null,null,null,"Future rate",null,"Plan","Plan L",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"M","index":20,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan M",null,null,null,null,null,null,"Future rate",null,"Plan","Plan M",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"N","index":21,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13],[22,1,30,3]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Plan N",null,null,null,null,null,null,"Future rate",null,"Plan","Plan N",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"Pre","index":22,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,1,30,3],[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","Pre-Standardized",null,null,null,null,null,null,null,null,"Policy Type","Pre-Standardized"]
[null,"Plan","Pre-Standardized",null,null,null,null,null,null,"Future rate",null,"Plan","Pre-Standardized",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,{"$f":"IFERROR(Q61/R61, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,null,"Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,{"$f":"IFERROR(Q97/R97, 0)","v":0}]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"Oth1","index":23,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,1,30,3],[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Other",null,null,null,null,null,null,"Future rate",null,"Plan","Other",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,0]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,null,"Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,0]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]

{"sheet":"Oth2","index":24,"n_rows":101,"n_cols":20,"rows_kept":101,"cut":false,"hidden":false,"merged":[[22,1,30,3],[22,11,30,13],[8,1,8,19],[16,2,16,3],[16,12,16,13],[17,2,17,3],[17,12,17,13]]}
[null,"South Carolina Department of Insurance"]
[null,"Medicare Supplement Rate Filing"]
[]
[]
[null,"Loss Ratios - Historic & Projected"]
[null,"Company Name: ABC"]
[]
[]
[null,"Please use the template below to provide historical experience & projections.  Also provide the assumptions used in these projections, as well as the originally filed lifetime target loss ratio for the plan. This template should be filled out separately for each plan with inforce business. If the valuation date is mid-year, it will be split into a pre-valuation and post-valuation row. If applying interest, provide dicsount factors for experience/projections beyond +/- 10 yrs."]
[]
[null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[]
[null,"Data as of",null,"2025-06-30",null,"Projection Assumptions",null,null,null,null,null,"Data as of",null,"2025-06-30",null,"Projection Assumptions"]
[null,"YTD Experience Months",null,{"$f":"IF(DAY(D14)>15, MONTH(D14), IF(MONTH(D14)<>1, MONTH(D14)-1, 12))","v":6},null,null,null,null,null,null,null,"YTD Experience Months",null,{"$f":"IF(DAY(N14)>15, MONTH(N14), IF(MONTH(N14)<>1, MONTH(N14)-1, 12))","v":6}]
[null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,null,null,"Interest Rate",null,0]
[null,"Policy Type","2010 Modernized",null,null,null,null,null,null,null,null,"Policy Type","2010 Modernized"]
[null,"Plan","Other",null,null,null,null,null,null,"Future rate",null,"Plan","Other",null,null,null,null,null,null,"Future rate"]
[null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions ",null,null,null,null,null,null,"Lapse ","Medical ","Aging","revisions "]
[null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated",null,"Pricing target lifetime LR",null,null,null,"Year","Rate","Trend","Trend","anticipated"]
[null,null,null,null,null,{"$f":"C50","v":2025.07},null,null,null,null,null,null,null,null,null,{"$f":"M50","v":2025.07}]
[null,"Additional Comments:",null,null,null,2026,null,null,null,null,null,"Additional Comments:",null,null,null,2026]
[null,null,null,null,null,2027,null,null,null,null,null,null,null,null,null,2027]
[null,null,null,null,null,2028,null,null,null,null,null,null,null,null,null,2028]
[null,null,null,null,null,2029,null,null,null,null,null,null,null,null,null,2029]
[null,null,null,null,null,2030,null,null,null,null,null,null,null,null,null,2030]
[null,null,null,null,null,2031,null,null,null,null,null,null,null,null,null,2031]
[null,null,null,null,null,2032,null,null,null,null,null,null,null,null,null,2032]
[null,null,null,null,null,2033,null,null,null,null,null,null,null,null,null,2033]
[null,null,null,null,null,2034,null,null,null,null,null,null,null,null,null,2034]
[null,null,null,null,null,2035,null,null,null,null,null,null,null,null,null,2035]
[]
[null,"Without Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,"Months","Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Pre \"&C39","v":"Pre 2015"},{"$f":"D39","v":1},null,null,{"$f":"IFERROR(F38/E38, 0)","v":0},null,{"$f":"IFERROR(G38/H38, 0)","v":0},null,null,null,{"$f":"\"Pre \"&M39","v":"Pre 2015"},{"$f":"N39","v":1},null,null,{"$f":"IFERROR(P38/O38, 0)","v":0},null,{"$f":"IFERROR(Q38/R38, 0)","v":0}]
[null,{"$f":"B40+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B39/12)","v":1},null,null,0,null,0,null,null,{"$f":"L40+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L39/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C39+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M39+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C40+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B48+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B49*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L49*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C49,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M49,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C50,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M50,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B50*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D14)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L50*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N14)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B51-12","v":-24},{"$f":"C51+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L51-12","v":-24},{"$f":"M51+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C52+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C60","v":"Post 2035"},{"$f":"D60","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M60","v":"Post 2035"},{"$f":"N60","v":1},null,null,0,null,0]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$38:$D$49,E38:E49)","v":0},{"$f":"SUMPRODUCT($D$38:$D$49,F38:F49)","v":0},{"$f":"IFERROR(F63/E63, 0)","v":0},null,{"$f":"IFERROR(G63/H63,\"\")","v":""},{"$f":"SUM(J38:J49)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$38:$N$49,O38:O49)","v":0},{"$f":"SUMPRODUCT($N$38:$N$49,P38:P49)","v":0},{"$f":"IFERROR(P63/O63, 0)","v":0},null,{"$f":"IFERROR(Q63/R63,\"\")","v":""},{"$f":"SUM(T38:T49)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$50:$D$61,E50:E61)","v":0},{"$f":"SUMPRODUCT($D$50:$D$61,F50:F61)","v":0},{"$f":"IFERROR(F64/E64, 0)","v":0},null,{"$f":"IFERROR(G64/H64,\"\")","v":""},{"$f":"SUM(J50:J61)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$50:$N$61,O50:O61)","v":0},{"$f":"SUMPRODUCT($N$50:$N$61,P50:P61)","v":0},{"$f":"IFERROR(P64/O64, 0)","v":0},null,{"$f":"IFERROR(Q64/R64,\"\")","v":""},{"$f":"SUM(T50:T61)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E63+E64","v":0},{"$f":"F63+F64","v":0},0,{"$f":"$D$20","v":0},{"$f":"IFERROR(G65/H65,\"\")","v":""},{"$f":"J63+J64","v":0},null,null,"Lifetime value",null,{"$f":"O63+O64","v":0},{"$f":"P63+P64","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q65/R65,\"\")","v":""},{"$f":"T63+T64","v":0}]
[]
[]
[]
[null,"After Rate Adjustment"]
[]
[null,null,"South Carolina",null,null,null,null,null,null,null,null,null,"Nationwide"]
[]
[null,"Months","Incurred \nYear","Discount Rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed",null,null,"Incurred Year","Discount rate","Earned Premium","Incurred Claims","Incurred Loss Ratio","Target Loss Ratio","A/E","Life Years Exposed"]
[null,null,{"$f":"\"Before \"&C75","v":"Before 2015"},{"$f":"D75","v":1},null,null,{"$f":"IFERROR(F74/E74, 0)","v":0},null,{"$f":"IFERROR(G74/H74, 0)","v":0},null,null,null,{"$f":"\"Before \"&M75","v":"Before 2015"},{"$f":"N75","v":1},null,null,{"$f":"IFERROR(P74/O74, 0)","v":0},null,{"$f":"IFERROR(Q74/R74, 0)","v":0}]
[null,{"$f":"B76+12","v":120},{"$f":"YEAR(D$14-15)-10","v":2015},{"$f":"(1+$J$16)^(B75/12)","v":1},null,null,0,null,0,null,null,{"$f":"L76+12","v":120},{"$f":"YEAR(N$14-15)-10","v":2015},{"$f":"(1+$T$16)^(L75/12)","v":1},null,null,0,null,0]
[null,108,{"$f":"C75+1","v":2016},1,null,null,0,null,0,null,null,108,{"$f":"M75+1","v":2016},1,null,null,0,null,0]
[null,96,{"$f":"C76+1","v":2017},1,null,null,0,null,0,null,null,96,2017,1,null,null,0,null,0]
[null,84,2018,1,null,null,0,null,0,null,null,84,2018,1,null,null,0,null,0]
[null,72,2019,1,null,null,0,null,0,null,null,72,2019,1,null,null,0,null,0]
[null,60,2020,1,null,null,0,null,0,null,null,60,2020,1,null,null,0,null,0]
[null,48,2021,1,null,null,0,null,0,null,null,48,2021,1,null,null,0,null,0]
[null,36,2022,1,null,null,0,null,0,null,null,36,2022,1,null,null,0,null,0]
[null,{"$f":"B84+12","v":24},2023,1,null,null,0,null,0,null,null,24,2023,1,null,null,0,null,0]
[null,{"$f":"6+B85*2","v":12},2024,1,null,null,0,null,0,null,null,{"$f":"6+L85*2","v":12},2024,1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C85,1)=0, 6, D$15/2)","v":3},{"$f":"IF(DAY(D$14)<16, IF(MONTH(D$14)=1, YEAR(D$14)-1, YEAR(D$14)+(MONTH(D$14)-1)/100),IF(MONTH(D$14)=12,YEAR(D$14),YEAR(D$14)+MONTH(D$14)/100))","v":2025.06},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M85,1)=0, 6, N$15/2)","v":3},{"$f":"IF(DAY(N$14)<16, IF(MONTH(N$14)=1, YEAR(N$14)-1, YEAR(N$14)+(MONTH(N$14)-1)/100),IF(MONTH(N$14)=12,YEAR(N$14),YEAR(N$14)+MONTH(N$14)/100))","v":2025.06},1,null,null,0,null,0]
[null,{"$f":"IF(MOD(C86,1)=0, -6, (D$15-12)/2)","v":-3},{"$f":"IF(DAY(D$14)<16,IF(MONTH(D$14)=1, YEAR(D$14), YEAR(D$14)+MONTH(D$14)/100),IF(MONTH(D$14)=12,YEAR(D$14)+1,YEAR(D$14)+(MONTH(D$14)+1)/100))","v":2025.07},1,null,null,0,null,0,null,null,{"$f":"IF(MOD(M86,1)=0, -6, (N$15-12)/2)","v":-3},{"$f":"IF(DAY(N$14)<16,IF(MONTH(N$14)=1, YEAR(N$14), YEAR(N$14)+MONTH(N$14)/100),IF(MONTH(N$14)=12,YEAR(N$14)+1,YEAR(N$14)+(MONTH(N$14)+1)/100))","v":2025.07},1,null,null,0,null,0]
[null,{"$f":"B86*2-6","v":-12},{"$f":"IF(AND(MONTH(D$14)=12, DAY(D49)>=16),YEAR(D$14)+2,YEAR(D$14)+1)","v":2026},1,null,null,0,null,0,null,null,{"$f":"L86*2-6","v":-12},{"$f":"IF(AND(MONTH(N$14)=12, DAY(N49)>=16),YEAR(N$14)+2,YEAR(N$14)+1)","v":2026},1,null,null,0,null,0]
[null,{"$f":"B87-12","v":-24},{"$f":"C87+1","v":2027},1,null,null,0,null,0,null,null,{"$f":"L87-12","v":-24},{"$f":"M87+1","v":2027},1,null,null,0,null,0]
[null,-36,{"$f":"C88+1","v":2028},1,null,null,0,null,0,null,null,-36,2028,1,null,null,0,null,0]
[null,-48,2029,1,null,null,0,null,0,null,null,-48,2029,1,null,null,0,null,0]
[null,-60,2030,1,null,null,0,null,0,null,null,-60,2030,1,null,null,0,null,0]
[null,-72,2031,1,null,null,0,null,0,null,null,-72,2031,1,null,null,0,null,0]
[null,-84,2032,1,null,null,0,null,0,null,null,-84,2032,1,null,null,0,null,0]
[null,-96,2033,1,null,null,0,null,0,null,null,-96,2033,1,null,null,0,null,0]
[null,-108,2034,1,null,null,0,null,0,null,null,-108,2034,1,null,null,0,null,0]
[null,-120,2035,1,null,null,0,null,0,null,null,-120,2035,1,null,null,0,null,0]
[null,null,{"$f":"\"Post \"&C96","v":"Post 2035"},{"$f":"D96","v":1},null,null,0,null,0,null,null,null,{"$f":"\"Post \"&M96","v":"Post 2035"},{"$f":"N96","v":1},null,null,0,null,0]
[]
[null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($D$74:$D$85,E74:E85)","v":0},{"$f":"SUMPRODUCT($D$74:$D$85,F74:F85)","v":0},{"$f":"IFERROR(F99/E99, 0)","v":0},null,{"$f":"IFERROR(G99/H99,\"\")","v":""},{"$f":"SUM(J74:J85)","v":0},null,null,"Accumulated value of experience",null,{"$f":"SUMPRODUCT($N$74:$N$85,O74:O85)","v":0},{"$f":"SUMPRODUCT($N$74:$N$85,P74:P85)","v":0},{"$f":"IFERROR(P99/O99, 0)","v":0},null,{"$f":"IFERROR(Q99/R99,\"\")","v":""},{"$f":"SUM(T74:T85)","v":0}]
[null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($D$86:$D$97,E86:E97)","v":0},{"$f":"SUMPRODUCT($D$86:$D$97,F86:F97)","v":0},{"$f":"IFERROR(F100/E100, 0)","v":0},null,{"$f":"IFERROR(G100/H100,\"\")","v":""},{"$f":"SUM(J86:J97)","v":0},null,null,"Present value of projections",null,{"$f":"SUMPRODUCT($N$86:$N$97,O86:O97)","v":0},{"$f":"SUMPRODUCT($N$86:$N$97,P86:P97)","v":0},{"$f":"IFERROR(P100/O100, 0)","v":0},null,{"$f":"IFERROR(Q100/R100,\"\")","v":""},{"$f":"SUM(T86:T97)","v":0}]
[null,null,"Lifetime value",null,{"$f":"E99+E100","v":0},{"$f":"F99+F100","v":0},{"$f":"IFERROR(F101/E101, 0)","v":0},{"$f":"$D$20","v":0},{"$f":"IFERROR(G101/H101,\"\")","v":""},{"$f":"J99+J100","v":0},null,null,"Lifetime value",null,{"$f":"O99+O100","v":0},{"$f":"P99+P100","v":0},0,{"$f":"$N$20","v":0},{"$f":"IFERROR(Q101/R101,\"\")","v":""},{"$f":"T99+T100","v":0}]