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		Loss Ranges
		1	25,001	50,001	100,001	150,001	250,001	Grand
	Description	25,000	50,000	100,000	150,000	250,000	250,001	Totals
Years	Calculation for # of Claims	87.9%	5.3%	3.0%	1.5%	1.5%	0.8%	1
5	Totals - Number of Claims	23.2	1.4	0.8	0.4	0.4	0.2	26
	Range Mid Point	12,501	37,501	75,001	125,001	200,001	250,001
Estimated Total Incurred Claims by Range		290,012	52,501	60,000	50,000	80,000	50,000	582,513
		Loss Ranges
		1	25,001	50,001	100,001	150,001	250,001	Total Estimated Retention
	Deductible Level	25,000	50,000	100,000	150,000	250,000	250,001
	25000	290,012	35,000	20,000	10,000	10,000	5,000	370,012
	50000	290,012	52,501	40,000	20,000	20,000	10,000	432,512
	100000	290,012	52,501	60,000	40,000	40,000	20,000	502,513
	150000	290,012	52,501	60,000	50,000	60,000	30,000	542,513
	250000	290,012	52,501	60,000	50,000	80,000	50,000	582,513
	Year	Est payout %	Discount Factor	Disc. Payout %
	1	40%	0.909	36%
	2	40%	0.826	33%
	3	10%	0.751	8%
	4	5%	0.683	3%
	5	5%	0.621	3%
	Discounted payout factor			83%
2007	Projected: Client (Insured's) Cost by Deductible		25,000	50,000	100,000	150,000	250,000
	Total Impact of deductible		$370,012	$432,512	$502,513	$542,513	$582,513
	Discounted Impact of deductible		$308,791	$360,950	$419,369	$452,750	$486,132
Notes & Comments
This shows the estimated expected amount of loss for each deductible option, adjusted for
Inflation and the Present Value of the Dollar.