Dover Insurance Premium Graphs November 2016 25/02/2019 Dover (c)

Dover Insurance Graph © How to use the graph The graphs show the annual combined premiums for: Income Protection / Life / TPD in each Needs Category as set out below. Four graphs are available: Female Smokers, Male Smokers, Female Non Smokers and Male Non Smokers If the combined insurance premiums (without Trauma) are at or below the relevant premium curve and the adviser is on RODO then the adviser can use Fast Track and the SOA is deemed as appropriate and in the clients best interest without further investigation. Premiums calculated from AMP Risk Simulator on 23 November 2016 25/02/2019 Dover Insurance Graph ©

Dover Insurance Graph © Female Non Smokers ASSUMPTIONS Needs Category Income Sum Insured Very Low $ 50,000.00 $ 400,000.00 Low $ 70,000.00 $ 600,000.00 Average $ 100,000.00 $ 900,000.00 High $ 150,000.00 $ 1,200,000.00 Very High $ 200,000.00 $ 1,500,000.00 25/02/2019 Dover Insurance Graph ©

Dover Insurance Graph © Male Non Smokers 25/02/2019 Dover Insurance Graph ©

Dover Insurance Graph © Male Smokers ASSUMPTIONS Needs Category Income Sum Insured Very Low $ 50,000.00 $ 400,000.00 Low $ 70,000.00 $ 600,000.00 Average $ 100,000.00 $ 900,000.00 High $ 150,000.00 $ 1,200,000.00 Very High $ 200,000.00 $ 1,500,000.00 25/02/2019 Dover Insurance Graph ©

Dover Insurance Graph © Female Smokers ASSUMPTIONS Needs Category Income Sum Insured Very Low $ 50,000.00 $ 400,000.00 Low $ 70,000.00 $ 600,000.00 Average $ 100,000.00 $ 900,000.00 High $ 150,000.00 $ 1,200,000.00 Very High $ 200,000.00 $ 1,500,000.00 25/02/2019 Dover Insurance Graph ©

Tables Annual Premiums Summary Non Smokers MALE NON SMOKER FEMALE NON SMOKER AGE Very low Low Average High Very High 25 $1,248.00 $ 1,524.00 $ 2,088.00 $ 2,712.00 $ 3,420.00 $ 1,380.00 $ 1,704.00 $ 2,316.00 $ 3,132.00 $ 3,984.00 30 $1,236.00 $ 2,064.00 $ 2,688.00 $ 3,396.00 $ 1,416.00 $ 1,740.00 $ 2,388.00 $ 3,216.00 $ 4,104.00 35 $1,344.00 $ 1,632.00 $ 2,232.00 $ 2,940.00 $ 3,720.00 $ 1,572.00 $ 1,932.00 $ 2,628.00 $ 4,608.00 40 $1,656.00 $ 2,028.00 $ 2,796.00 $ 3,720.00 $ 4,728.00 $ 1,968.00 $ 2,448.00 $ 3,372.00 $ 5,856.00 45 $2,388.00 $ 2,988.00 $ 4,176.00 $ 5,532.00 $ 7,056.00 $ 2,808.00 $ 3,540.00 $ 4,944.00 $ 6,732.00 $ 8,580.00 50 $3,936.00 $ 5,016.00 $ 7,080.00 $ 9,336.00 $ 11,892.00 $ 4,512.00 $ 5,724.00 $ 8,040.00 $ 10,932.00 $ 13,920.00 Annual Premiums Summary Smokers MALE SMOKER FEMALE SMOKER AGE Very low Low Average High Very High 25 $ 1,668.00 $ 2,100.00 $ 2,916.00 $ 3,768.00 $ 4,740.00 $ 1,824.00 $ 2,316.00 $ 3,180.00 $ 4,248.00 $ 5,412.00 30 $ 1,704.00 $ 2,160.00 $ 3,000.00 $ 3,876.00 $ 4,896.00 $ 1,908.00 $ 2,400.00 $ 3,324.00 $ 4,440.00 $ 5,676.00 35 $ 1,980.00 $ 2,436.00 $ 3,228.00 $ 4,404.00 $ 5,592.00 $ 2,160.00 $ 2,700.00 $ 3,744.00 $ 5,052.00 $ 6,468.00 40 $ 2,580.00 $ 3,180.00 $ 4,452.00 $ 5,820.00 $ 7,392.00 $ 2,796.00 $ 3,480.00 $ 4,848.00 $ 6,552.00 $ 8,436.00 45 $ 3,900.00 $ 4,824.00 $ 6,816.00 $ 8,868.00 $ 11,256.00 $ 4,152.00 $ 5,196.00 $ 7,296.00 $ 9,816.00 $ 12,624.00 50 $ 6,744.00 $ 8,580.00 $ 12,216.00 $ 15,780.00 $ 19,992.00 $ 6,912.00 $ 8,868.00 $ 12,588.00 $ 16,788.00 $ 21,504.00 Dover Insurance Graph © 25/02/2019 Dover Insurance Graph © 25/02/2019