Exhibit 3. Federal Age Rating Curve.
| Age | Premium Ratio | Age | Premium Ratio | Age | Premium Ratio |
|---|---|---|---|---|---|
| 21 | 1.000 | 36 | 1.230 | 51 | 1.865 |
| 22 | 1.000 | 37 | 1.238 | 52 | 1.952 |
| 23 | 1.000 | 38 | 1.246 | 53 | 2.040 |
| 24 | 1.000 | 39 | 1.262 | 54 | 2.135 |
| 25 | 1.004 | 40 | 1.278 | 55 | 2.230 |
| 26 | 1.024 | 41 | 1.302 | 56 | 2.333 |
| 27 | 1.048 | 42 | 1.325 | 57 | 2.437 |
| 28 | 1.087 | 43 | 1.357 | 58 | 2.548 |
| 29 | 1.119 | 44 | 1.397 | 59 | 2.603 |
| 30 | 1.135 | 45 | 1.444 | 60 | 2.714 |
| 31 | 1.159 | 46 | 1.500 | 61 | 2.810 |
| 32 | 1.183 | 47 | 1.563 | 62 | 2.873 |
| 33 | 1.198 | 48 | 1.635 | 63 | 2.952 |
| 34 | 1.214 | 49 | 1.706 | 64 and Older | 3.000 |
| 35 | 1.222 | 50 | 1.786 | — | — |