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Modal Factors

Company
Semi-Annually
Quarterly
Monthly
John Hancock
.52
.27
.09
MetLife
.51
.265
.09
Genworth Financial
.51
.26
.09
Allianz
.52
.265
.87
MedAmerica
.52
.26
.09
Prudential
.51
.265
.085
Penn Treaty
.52
.265
.09*
United of Omaha .51 .26 .09

* .09 is for Direct bill; monthly bank draft is .085

Find the modal factor in the table above and multiply the annual premium by the factor to find the modal premium.

 

 
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