TABLE 1
NUMBER OF STATES REQUIRING GUARANTEED ISSUE OR RENEWAL

Small Group Market

Law Implemented 1995 1996 1997 1998 1999
Guaranteed Issued All Products 11 13 14 50 50
Guaranteed Issue Some Products 18 22 23 0 0
Guaranteed Renewal 43 44 44 50 50
Total (n) 50 50 50 50 50

Individual Market

Law Implemented 1995 1996 1997 1998 1999
Guaranteed Issued All Products 6 7 7 8 7
Guaranteed Issue Some Products 3 3 5 9 9
Guaranteed Renewal 12 16 19 50 50
Total (n) 50 50 50 50 50