next generation provider plus guardian di brokerage for producer use only. not for use with the...
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Next Generation Next Generation ProVider PlusProVider Plus
Guardian DI BrokerageGuardian DI Brokerage
www.DisabilityQuotes.comwww.DisabilityQuotes.com
For Producer Use Only. Not For Use With The General Public. Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned Stock subsidiary of the Guardian Life Insurance Company of America (Guardian),New York, NY, or provided by Guardian. Product provisions and features vary by state to state.
Features Remaining Features Remaining The SameThe Same Presumptive Total DisabilityPresumptive Total Disability Capital Sum BenefitCapital Sum Benefit Waiver of Elimination PeriodWaiver of Elimination Period Rehabilitation BenefitRehabilitation Benefit Transplant & Cosmetic Surgery Transplant & Cosmetic Surgery
BenefitBenefit Suspension During Military ServiceSuspension During Military Service Level & Graded Premium OptionsLevel & Graded Premium Options
Total DisabilityTotal Disability
CurrentCurrentProVider PlusProVider Plus– True Own True Own
Occupation for the Occupation for the entire benefit entire benefit period for period for Occupation Occupation Classes 6 – 4PClasses 6 – 4P
– Five years of True Five years of True Own Occupation Own Occupation for Class 3for Class 3
Updated Updated ProVider PlusProVider Plus– True Own True Own
Occupation for Occupation for the entire benefit the entire benefit period for all period for all Occupation Occupation ClassesClasses
– Specialty Specialty languagelanguage
Specialty ProtectionSpecialty Protection
Current Current ProVider PlusProVider Plus– Embedded in the Embedded in the
base contractbase contract– Only recognizes Only recognizes
specialties of the specialties of the American Board of American Board of Medical Medical Specialties or the Specialties or the American Dental American Dental AssociationAssociation
UpdatedUpdatedProVider PlusProVider Plus– Available only to Available only to
medical & dental medical & dental risksrisks
Specialty LanguageSpecialty Language
Current Current ProVider Plus:ProVider Plus:If your occupation is limited to a single medical If your occupation is limited to a single medical
specialty certified by the American Board of specialty certified by the American Board of Medical Specialties or a single dental specialty Medical Specialties or a single dental specialty recognized by the American Dental Association, we recognized by the American Dental Association, we will deem your specialty to be your occupation.will deem your specialty to be your occupation.
Updated Updated ProVider Plus:ProVider Plus:If you have limited your occupation to the If you have limited your occupation to the
performance of the material and substantial duties performance of the material and substantial duties of a single medical specialty or a single dental of a single medical specialty or a single dental specialty, we will deem that specialty to be your specialty, we will deem that specialty to be your occupation.occupation.
Own-Occupation Own-Occupation MarketplaceMarketplaceUpdateUpdate
d d ProVideProVider Plusr Plus
Current Current ProVideProVider Plusr Plus
Mass Mass MutualMutualRadiusRadius
Principal Principal HH750HH750
Standard Standard Protector Protector
PlusPlus
MetLife MetLife Omni Omni
AdvantagAdvantagee
North-North-westernwesternRR DIRR DI
Union Union Central Central DInamic DInamic
20002000
Unum Unum Provident Provident Income Income Series IIISeries III
True Own True Own Occ – White Occ – White Collar Non-Collar Non-Medical / Medical / Non-DentalNon-Dental
(1)(1) (1)(1)
True Own True Own Occ – Occ – Physicians & Physicians & DentistsDentists
(2)(2) (1)(1) (2)(2) (2)(2)
True Own True Own Occ – Grey Occ – Grey CollarCollar Specialty Specialty Language for Language for Physicians & Physicians & DentistsDentists
(3)(3) (1) (4)(1) (4)
(1) With MassMutual and Standard, policies with True Own Occupation have a 24-month mental disorder limitation in all jurisdictions(2) With MassMutual, MetLife and Union Central, not all medical and dental specialties have True Own Occupation(3) With the current ProVider Plus specialty language does not recognize sub-specialties(4) With Standard, specialty language applies to physicians and attorneys – specialty language is not available to dentists
This comparison is based on the most recent information available to us at the time of creation of this comparison. It is not intendedTo be complete or compare all contract provisions. Refer to actual insurance policies for additional information.
Guard-O-MaticGuard-O-Matic
No Modal Factor for GOM No Modal Factor for GOM (monthly premiums)(monthly premiums)
Saves between 3-5%Saves between 3-5% GOM premium is 1/12 of Annual GOM premium is 1/12 of Annual
PremiumPremium
Benefit PeriodsBenefit Periods
Current Current ProVider PlusProVider Plus– X45 (graded X45 (graded
lifetime extension lifetime extension benefit period)benefit period)
– To Age 65To Age 65– 5 Years5 Years– 2 Years2 Years
Updated Updated ProVider PlusProVider Plus– X45 (graded X45 (graded
lifetime indemnity lifetime indemnity for total disability for total disability benefit)benefit)
– To Age 67To Age 67– To Age 65To Age 65– 10 Years10 Years– 5 Years5 Years– 2 Years2 Years
Waiver of PremiumWaiver of Premium
Current Current ProVider PlusProVider Plus
During disability:During disability:– Refunds premiums Refunds premiums
due and paid due and paid during the during the elimination periodelimination period
– Waives premium Waives premium for 3 months for 3 months following recoveryfollowing recovery
Updated Updated ProVider PlusProVider Plus
During disability:During disability:– Refunds premiums Refunds premiums
paid that are paid that are attributable to the attributable to the period of disabilityperiod of disability
– Waives premium Waives premium for 6 months for 6 months following recoveryfollowing recovery
Other New ItemsOther New Items
Step-rate premium optionStep-rate premium option Workplace Modification BenefitWorkplace Modification Benefit Managerial Duties EndorsementManagerial Duties Endorsement Client friendly schedule pageClient friendly schedule page One policy – multiple layers of One policy – multiple layers of
coveragecoverage Improved readabilityImproved readability
New RidersNew Riders
Additional Monthly Benefit RiderAdditional Monthly Benefit Rider Retirement Protection Plus Rider Retirement Protection Plus Rider Automatic Benefit Enhancement Automatic Benefit Enhancement
RiderRider
ABE – Automatic ABE – Automatic Benefit Enhancement Benefit Enhancement RiderRider Current Current
ProVider PlusProVider Plus (AIR)(AIR)
– Rider has a Rider has a premiumpremium
– 4% Fixed 4% Fixed Interest Interest Compound Compound IncreasesIncreases
Updated Updated ProVider PlusProVider Plus
(ABE)(ABE)– No cost riderNo cost rider– 4% Fixed 4% Fixed
Interest Interest Compound Compound IncreasesIncreases
Riders in CommonRiders in Common
Social Insurance Substitute RiderSocial Insurance Substitute Rider Partial Disability Benefit RiderPartial Disability Benefit Rider Cost of Living Adjustment RidersCost of Living Adjustment Riders Catastrophic Disability Benefit RiderCatastrophic Disability Benefit Rider Unemployment Waiver of Premium Unemployment Waiver of Premium
RiderRider Future Increase Option RiderFuture Increase Option Rider Residual Disability Benefit RiderResidual Disability Benefit Rider
COLA RidersCOLA Riders
Current Current ProVider PlusProVider Plus– 3% Maximum / 0% 3% Maximum / 0%
Floor Compound Floor Compound InterestInterest
– 6% Maximum / 0% 6% Maximum / 0% Floor w/Compound Floor w/Compound InterestInterest
– Annual increases for Annual increases for both riders are based both riders are based on changes to CPI-Uon changes to CPI-U
Updated Updated ProVider PlusProVider Plus– 3% Fixed 3% Fixed
w/Compound Interestw/Compound Interest– 6% Maximum with 6% Maximum with
3% Floor 3% Floor w/Compound Interestw/Compound Interest
Annual increases Annual increases based on changes based on changes to CPI-Uto CPI-U
– Four-Year Delayed 3% Four-Year Delayed 3% Fixed Compound Fixed Compound InterestInterest
FIO RiderFIO Rider
Current Current ProVider PlusProVider Plus– Successful exercises Successful exercises
are issued a separate are issued a separate policy with a policy policy with a policy fee for the amountfee for the amount
– No special option No special option datesdates
Updated Updated ProVider PlusProVider Plus– Successful exercises Successful exercises
are issued an AMB are issued an AMB rider for the amount rider for the amount issuedissued
– Special Option DatesSpecial Option Dates Date declared by the Date declared by the
CompanyCompany Loss of GLTD Loss of GLTD
(replaces GDR)(replaces GDR)
– The 1/3 rule does not The 1/3 rule does not apply for FIO amounts apply for FIO amounts under $1,000under $1,000
Residual Disability Residual Disability RiderRider Current Current
ProVider PlusProVider Plus– Triggers on 20% lossTriggers on 20% loss– 50% benefit for first 50% benefit for first
6 months6 months Proportional benefit Proportional benefit
thereafterthereafter– 6 month averaging6 month averaging– Greater than 75% Greater than 75%
loss equals 100% loss equals 100% benefitbenefit
– $500 rule $500 rule – Indexation of Prior Indexation of Prior
IncomeIncome
Updated Updated ProVider PlusProVider Plus– Triggers on 15% lossTriggers on 15% loss– Loss of income Loss of income
benefit for first 12 benefit for first 12 monthsmonths
Proportional benefit Proportional benefit thereafterthereafter
– Greater than 75% Greater than 75% loss equals 100% loss equals 100% benefitbenefit
– Explicit Recovery Explicit Recovery BenefitBenefit
– Indexation of Prior Indexation of Prior IncomeIncome
PremiumsPremiums
Improved Class 6 premiumsImproved Class 6 premiums Competitive COLA premiums in addition Competitive COLA premiums in addition
to higher guaranteed indexingto higher guaranteed indexing Lower premiums for young professionalsLower premiums for young professionals Improved female premiumsImproved female premiums Competitive unisex premiumsCompetitive unisex premiums No fee for Guard-o-maticNo fee for Guard-o-matic Lower premiums for RPPLower premiums for RPP
Payment OptionsPayment Options
Step Rate Premiums – Step Rate Premiums – NewNew– Available to issue ages up to age 40Available to issue ages up to age 40– Premiums remain level to age 35 or 5 Premiums remain level to age 35 or 5
years, whichever is longeryears, whichever is longer– The ultimate premium is equal to 95% The ultimate premium is equal to 95%
of the attained age level premiumof the attained age level premium Graded & Level PremiumsGraded & Level Premiums
– Same approachSame approach
Step-Rate ExampleStep-Rate Example
ExampleExample– Male Select Risk, Issue Age 30, To Age 65 BenefitsMale Select Risk, Issue Age 30, To Age 65 Benefits– $4,000 of Monthly Indemnity$4,000 of Monthly Indemnity– Residual Disability Benefits & 3% COLAResidual Disability Benefits & 3% COLA
The Level Annual Premium = The Level Annual Premium = $1,581.20$1,581.20
Step Rate PremiumStep Rate Premium– The Initial Annual Premium = $1,339.20 For 5 YearsThe Initial Annual Premium = $1,339.20 For 5 Years– The Ultimate Annual Premium = $1,803.60 To 65The Ultimate Annual Premium = $1,803.60 To 65
The Introductory Graded Annual The Introductory Graded Annual Premium is $620.80Premium is $620.80
Class 6 Rates Class 6 Rates
$4,000 Monthly Indemnity with Residual Disability Benefits$4,000 Monthly Indemnity with Residual Disability Benefits Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $ 918.00$ 918.00 $ 710.00 $ 710.00 - 22.7%- 22.7% 3535 $1,226.80$1,226.80 $1,067.20 $1,067.20
- 13.0%- 13.0% 4545 $1,897.60$1,897.60 $1,612.80 $1,612.80 - 15.0%- 15.0%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,284.80$1,284.80 $1,128.80 $1,128.80 - 12.1%- 12.1% 3535 $1,939.20$1,939.20 $1,668.80 $1,668.80
- 13.9% - 13.9% 4545 $2,696.40$2,696.40 $2,223.20 $2,223.20
- 17.5% - 17.5%
Class 6 w/ COLAClass 6 w/ COLA
$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,084.40$1,084.40 $ 841.60 $ 841.60 - 22.4%- 22.4% 3535 $1,434.00$1,434.00 $1,227.20 $1,227.20 - -
14.4%14.4% 4545 $2,153.60$2,153.60 $1,863.20 $1,863.20 - -
13.5%13.5%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,542.00$1,542.00 $1,260.40 $1,260.40 - -
18.3%18.3% 3535 $2,302.00$2,302.00 $1,878.00 $1,878.00 - 18.4%- 18.4% 4545 $3,082.80$3,082.80 $2,510.40 $2,510.40 - -
18.6%18.6%
Class 5 & 5MClass 5 & 5M
$4,000 Monthly Indemnity with Residual Disability Benefits$4,000 Monthly Indemnity with Residual Disability Benefits Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $ 995.20$ 995.20 $ 895.60 $ 895.60
- 10.0%- 10.0% 3535 $1,331.20$1,331.20 $1,350.40$1,350.40 + 1.4%+ 1.4% 4545 $2,059.60$2,059.60 $2,046.40$2,046.40 - 0.6%- 0.6%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,394.00$1,394.00 $1,427.60$1,427.60 + 2.4%+ 2.4% 3535 $2,105.20$2,105.20 $2,114.80$2,114.80 + 0.5%+ 0.5% 4545 $2,928.40$2,928.40 $2,823.20$2,823.20 - 3.6%- 3.6%
Class 5 & 5M w/COLAClass 5 & 5M w/COLA
$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,176.40$1,176.40 $1,063.60$1,063.60 - 9.6%- 9.6% 3535 $1,556.80$1,556.80 $1,554.40$1,554.40 - 0.2%- 0.2% 4545 $2,337.60$2,337.60 $2,365.60$2,365.60 + 1.2%+ 1.2%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,673.60$1,673.60 $1,595.60$1,595.60 - 4.7%- 4.7% 3535 $2,499.60$2,499.60 $2,381.20$2,381.20 - 4.7%- 4.7% 4545 $3,348.40$3,348.40 $3,189.60$3,189.60 - 4.7%- 4.7%
Class 4 & 4MClass 4 & 4M
$4,000 Monthly Indemnity with Residual Disability Benefits$4,000 Monthly Indemnity with Residual Disability Benefits Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,344.80$1,344.80 $1,130.40$1,130.40 - 16.0%- 16.0% 3535 $1,723.20$1,723.20 $1,709.20$1,709.20 - 0.8%- 0.8% 4545 $2,690.80$2,690.80 $2,594.80$2,594.80 - 3.6%- 3.6%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,902.80$1,902.80 $1,806.80$1,806.80 - 5.0%- 5.0% 3535 $2,826.80$2,826.80 $2,680.80$2,680.80 - 5.2%- 5.2% 4545 $3,938.00$3,938.00 $3,538.60$3,538.60 - 9.0%- 9.0%
Class 4 & 4M w/COLAClass 4 & 4M w/COLA
$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,599.20$1,599.20 $1,343.20$1,343.20 - 16.0%- 16.0% 3535 $2,024.00$2,024.00 $1,968.20$1,968.20 - 2.7%- 2.7% 4545 $3,059.20$3,059.20 $3,001.20$3,001.20 - 1.9%- 1.9%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $2,296.40$2,296.40 $2,020.00$2,020.00 - 12.0%- 12.0% 3535 $3,368.40$3,368.40 $3,020.40$3,020.40 - 10.3%- 10.3% 4545 $4,509.20$4,509.20 $4,050.00$4,050.00 - 10.2%- 10.2%
Class 3 & 3M Class 3 & 3M PremiumsPremiums $4,000 Monthly Indemnity with Residual Disability Benefits$4,000 Monthly Indemnity with Residual Disability Benefits Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,641.80$1,641.80 $1,362.40$1,362.40 - 17.0%- 17.0% 3535 $2,127.60$2,127.60 $2,063.20$2,063.20 - 3.0%- 3.0% 4545 $3,341.20$3,341.20 $3,134.40$3,134.40 - 6.2%- 6.2%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $2,360.80$2,360.80 $2,182.00$2,182.00 - 7.6%- 7.6% 3535 $3,568.40$3,568.40 $3,240.40$3,240.40 - 9.2%- 9.2% 4545 $4,985.60$4,985.60 $4,331.20$4,331.20 - 13.1%- 13.1%
Class 3 & 3M w/COLAClass 3 & 3M w/COLA
$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA$4,000 Monthly Indemnity with Residual Disability Benefits & 3% COLA Benefits To Age 65, 90 Day Elimination PeriodBenefits To Age 65, 90 Day Elimination Period
Male Select RisksMale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $1,950.00$1,950.00 $1,620.80$1,620.80 - 16.9%- 16.9% 3535 $2,500.40$2,500.40 $2,377.20$2,377.20 - 4.9%- 4.9% 4545 $3,798.00$3,798.00 $3,626.00$3,626.00 - 4.5%- 4.5%
Female Select RisksFemale Select Risks
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider Plus 2525 $2,842.00$2,842.00 $2,440.40$2,440.40 - 14.1%- 14.1% 3535 $4,252.40$4,252.40 $3,650.80$3,650.80 - 14.1%- 14.1% 4545 $5,707.20$5,707.20 $4,895.60$4,895.60 - 14.2%- 14.2%
10-Year Benefit Period10-Year Benefit Period
New benefit period targeting middleNew benefit period targeting middleaged clientsaged clients– 35 year olds will pay approximately 26% 35 year olds will pay approximately 26%
less than with a To Age 65 benefit periodless than with a To Age 65 benefit period– 45 year olds will pay approximately 20% 45 year olds will pay approximately 20%
less than with a To Age 65 benefit periodless than with a To Age 65 benefit period– 50 year olds will pay approximately 11.5% 50 year olds will pay approximately 11.5%
less than with a To Age 65 benefit periodless than with a To Age 65 benefit period Also an option for underwriters when Also an option for underwriters when
confronted by an adverse riskconfronted by an adverse risk
4-Year Delayed COLA4-Year Delayed COLA
A new Cost of Living Adjustment riderA new Cost of Living Adjustment rider– Unique for the IDI industryUnique for the IDI industry
The insured self-insures the inflation risk The insured self-insures the inflation risk of a short duration disabilityof a short duration disability– Provides a guaranteed 3% compound Provides a guaranteed 3% compound
indexation of benefits starting on the 4indexation of benefits starting on the 4thth anniversary of claimanniversary of claim
The 4-Year Delayed COLA costs lessThe 4-Year Delayed COLA costs less– Approximately 30% less for a 25 year oldApproximately 30% less for a 25 year old– Approximately 35% less for a 35 year oldApproximately 35% less for a 35 year old– Approximately 32% less for a 45 year oldApproximately 32% less for a 45 year old
ALL NEW RPPALL NEW RPP
Male Select RisksMale Select Risks $1,000 Monthly Indemnity with 3% COLA,$1,000 Monthly Indemnity with 3% COLA,
Benefits To Age 65, 180 Day Elimination PeriodBenefits To Age 65, 180 Day Elimination Period
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider PlusDifferenceDifference
2525 $254.80$254.80 $171.20$171.20 - 32.8%- 32.8% 3535 $324.70$324.70 $236.40$236.40 - 27.2%- 27.2% 4545 $466.10$466.10 $340.30$340.30 - 27.0%- 27.0%
2525 $274.30$274.30 $208.70$208.70 - 23.9%- 23.9% 3535 $350.40$350.40 $291.20$291.20 - 16.9%- 16.9% 4545 $504.00$504.00 $422.50$422.50 - 16.2%- 16.2%
2525 $363.90$363.90 $256.40$256.40 - 29.5%- 29.5% 3535 $448.30$448.30 $360.90$360.90 - 19.5%- 19.5% 4545 $651.20$651.20 $527.30$527.30 - 19.0%- 19.0%
2525 $437.40$437.40 $305.10$305.10 - 30.2%- 30.2% 3535 $547.50$547.50 $432.20$432.20 - 21.1%- 21.1% 4545 $801.20$801.20 $634.50$634.50
RPP – Female RatesRPP – Female Rates
Female Select RisksFemale Select Risks $1,000 Monthly Indemnity with 3% COLA,$1,000 Monthly Indemnity with 3% COLA,
Benefits To Age 65, 180 Day Elimination PeriodBenefits To Age 65, 180 Day Elimination Period
AgeAge Current ProVider PlusCurrent ProVider Plus Updated ProVider PlusUpdated ProVider PlusDifferenceDifference
2525 $ 351.90$ 351.90 $245.10$245.10 - 30.3%- 30.3% 3535 $ 508.00$ 508.00 $350.20$350.20 - 31.1%- 31.1% 4545 $ 657.60$ 657.60 $450.30$450.30 - 31.5%- 31.5%
2525 $ 379.90$ 379.90 $302.30$302.30 - 20.4%- 20.4% 3535 $ 549.60$ 549.60 $435.00$435.00 - 20.9%- 20.9% 4545 $ 712.20$ 712.20 $562.00$562.00 - 21.1%- 21.1%
2525 $ 512.90$ 512.90 $375.00$375.00 - 26.9%- 26.9% 3535 $ 732.00$ 732.00 $543.20$543.20 - 25.8%- 25.8% 4545 $ 949.20$ 949.20 $703.90$703.90 - 25.8%- 25.8%
2525 $ 626.40$ 626.40 $449.30$449.30 - 28.03%- 28.03% 3535 $ 916.00$ 916.00 $653.70$653.70 - 28.6%- 28.6% 4545 $1,192.00$1,192.00 $849.20$849.20