The company is requesting the approval of a premium rate increase on the above listed forms and all associated riders. A rate increase is being requested on the above-listed forms due to adverse experience. Different increases are being requested for policies with different benefit periods. At this time, a premium rate increase of 88% is being requested for all lifetime benefit period policies and 35% is being requested for all non-lifetime benefit period policies. This reflects a weighted average rate increase of 63.4% which is shown as the overall percent indicated change in SERFF. If the requested rate increases are approved, the company will not seek any additional rate increases on the Pre-PCS Series in your jurisdiction for at least 5 years from the approval date. The same increases are also being requested on comparable forms to those listed above in each state in which business remains in force.