New Business Rates through 12/31/2006 (Includes 2.5% surplus lines tax)

WORLDWIDE COVERAGE - ANNUAL PREMIUMS
	$250.00 deductible		$500.00 deductible		$1,000.00 deductible		$2,500.00 deductible		$5,000.00 deductible		$10,000.00 deductible
Age	M	F	M	F	M	F	M	F	M	F	M	F
14 Days-9**	First 2 Free*, Then 477		First 2 Free*, Then 403		First 2 Free*, Then 307		First 2 Free*, Then 276		First 2 Free*, Then 248		First 2 Free*, Then 224
10-18**	519		424		329		297		267		240
* The first two Dependent Children between the ages of 14 days to 9 years are free only when both parents or guardians are insured under the Global Medical Insurance plan.  **Dependent child rates are only available when at least one parent or guardian is insured under the Global Medical Insurance plan.  Children applying with no parent or guardian insured by Global Medical Insurance must use the Male 19-24 rates.
19-24	1,115	1,552	960	1,378	747	992	658	880	540	722	426	565
25-29	1,154	1,607	1,008	1,442	781	1,039	687	920	565	751	442	585
30-34	1,275	1,861	1,120	1,696	871	1,258	772	1,114	632	914	498	713
35-39	1,322	1,903	1,175	1,723	909	1,319	805	1,166	658	935	517	733
40-44	1,643	2,147	1,452	1,918	1,125	1,488	999	1,322	814	1,050	644	825
45-49	1,849	2,233	1,651	2,015	1,280	1,567	1,135	1,386	927	1,070	730	840
50-54	2,247	2,424	2,022	2,205	1,573	1,720	1,433	1,561	1,174	1,277	921	1,004
55-59	2,845	2,765	2,608	2,534	2,036	1,979	1,795	1,745	1,512	1,469	1,180	1,146
60-64	3,999	3,770	3,698	3,469	3,096	2,867	2,826	2,615	2,345	2,075	1,925	1,714
65-69	8,258	7,201	7,956	6,900	7,356	6,296	5,720	5,168	4,962	4,467	4,089	3,683
70 - 74	Please contact IMG or your agent for premium information concerning this age bracket
Rates expire on 12/31/2006
Optional Maternity Rider $2,500 annual premium

WORLDWIDE COVERAGE EXCLUDING U.S/CANADA
	$250.00 deductible		$500.00 deductible		$1,000.00 deductible		$2,500.00 deductible		$5,000.00 deductible		$10,000.00 deductible
Age	M	F	M	F	M	F	M	F	M	F	M	F
14 Days-9**	First 2 Free*, Then 358		First 2 Free*, Then 302		First 2 Free*, Then 230		First 2 Free*, Then 207		First 2 Free*, Then 186		First 2 Free*, Then 168
10-18**	389		318		247		223		200		180
* The first two Dependent Children between the ages of 14 days to 9 years are free only when both parents or guardians are insured under the Global Medical Insurance plan.  **Dependent child rates are only available when at least one parent or guardian is insured under the Global Medical Insurance plan.  Children applying with no parent or guardian insured by Global Medical Insurance must use the Male 19-24 rates.
19-24	836	1,164	720	1,034	560	744	494	660	405	542	320	424
25-29	866	1,205	756	1,082	586	779	495	690	424	563	332	439
30-34	956	1,396	840	1,272	653	944	579	836	474	686	374	535
35-39	992	1,427	881	1,292	682	989	604	875	494	701	388	550
40-44	1,232	1,610	1,089	1,439	844	1,116	749	992	611	788	483	619
45-49	1,387	1,675	1,238	1,511	960	1,175	851	1,040	696	803	548	630
50-54	1,685	1,818	1,517	1,654	1,180	1,290	1,075	1,171	881	958	691	753
55-59	2,134	2,074	1,956	1,901	1,527	1,484	1,346	1,309	1,134	1,102	885	860
60-64	2,999	2,828	2,774	2,602	2,322	2,150	2,120	1,961	1,759	1,556	1,444	1,286
65-69	6,194	5,401	5,967	5,175	5,517	4,722	4,290	3,876	3,722	3,350	3,067	2,762
70 - 74	Please contact IMG or your agent for premium information concerning this age bracket
Rates expire on 12/31/2006
Optional Maternity Rider $2,500 annual premium

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