American Heritage Life Insurance Company
When our critical illness policy and associated riders were originally filed with your department, we planned to sell them in the payroll deduction market only and our actuarial memorandum filed with your department reflected this market segment. This letter is to inform you of our intention to sell this product in the individual market as well.
Our actuaries have determined that the premium rates charged for this product will not change from those originally filed and currently in use.
The Actuarial Memorandum for policy CILP1 and riders was approved by your department on June 17, 2002. Please add this notification to your original file for this product.
This informational rate filing is in response to an objection to informational form filing ALST-129368171. The objection states that, although our rates are not changing, this informational rate filing needs to be submitted.