CHOLESTEROL. Super Pref Treated or untreated

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1 Best Risk Classification John Hancock Super Pref 71+ n/a 280; HDL>40 (All products) Super Pref 71+ n/a ; HDL>45 ING (Males Only) Super Pref ING (Females Only) Super Pref Lincoln Financial Pref Plus MetLife (Permanent) Elite Aviva (Permanent) Premier MetLife (Permanent) Elite Transamerica (IUL) Pref Elite Transamerica (UL) Select Transamerica (Term) Pref Plus Principal Super Pref All 5.0 n/a Prudential Pref Best All SBLI (Males Only) Pref Plus All Lincoln Financial Pref Plus MetLife (Permanent) Elite Mutual of Omaha Pref Plus American National Pref Plus AXA Pref Elite All ; HDL>35 ING (Males Only) Super Pref ; HDL>75 MetLife (Permanent) Elite Aviva (Permanent) Premier John Hancock Super Pref MetLife (Permanent) Elite MetLife (Term Only) Elite Plus Minnesota Life Pref Select All No treatment Transamerica (IUL) Pref Elite Transamerica (UL) Select Transamerica (Term) Pref Plus (Excludes: ADDvantage/Custom Guar) Pref Elite AVIVA (Term only) Premier All No treatment American General Pref Plus All American National Pref Plus Mutual of Omaha Pref Plus Legal & General America Pref Plus All Genworth (Males Only) Pref Best All SBLI (Females Only) Pref Plus All Symetra Super Pref All No treatment ING Companies (Females Only) Super Pref ; HDL > 90 American General (UL, WL, VUL) Pref Plus All Protective* Select Pref All *70+ total chol no less than130 untreated

2 Nationwide Pref Plus American General (Term) Pref Plus All Minnesota Life Pref Select All Treated John Hancock Super Pref MetLife (Term Only) Elite Plus (ADDvantage/Custom Guarantee only) Super Pref MetLife (Term Only) Elite Plus Nationwide Pref Plus Genworth (Females Only) Pref Best All Nationwide Pref Plus Nationwide Pref Plus

3 Second Best Risk Classification John Hancock Preferred 71+ n/a 300; HDL>35 (All products) Preferred 71+ n/a ; HDL>40 Principal Preferred All 7.0 n/a Lincoln Financial Preferred MetLife Preferred MetLife Preferred Aviva (Permanent) Preferred ING (Males Only) Preferred Nationwide Preferred MetLife Preferred Nationwide Preferred ING (Females Only) Preferred Lincoln Financial Preferred Mutual of Omaha Preferred Minnesota Life Preferred No Treatment Prudential Preferred All MetLife Preferred Aviva (Permanent) Preferred Minnesota Life Preferred No treatment MetLife Preferred Minnesota Life Preferred All Treated Transamerica (IUL) Pref Plus Transamerica (Term, UL) Preferred Nationwide Preferred (Excludes: ADDvantage/Custom Guar) Preferred American General Preferred All American National Preferred All Mutual of Omaha Preferred Legal & General America Preferred All Genworth (Males Only) Preferred All SBLI (Males Only) Preferred All Symetra Preferred All AXA Preferred All ; HDL>35 ING (Males Only) Preferred ; HDL>75 American General Preferred All MetLife Preferred Protective* Preferred All *70+ Total chol no less than 130 untreated John Hancock Preferred Transamerica (IUL) Pref Plus Transamerica (Term, UL) Preferred Nationwide Preferred

4 SBLI Preferred All Treated (ADDvantage/Custom Guarantee only) Preferred Aviva (Term Only) Preferred All ING (Females Only) Preferred ; HDL>90 Aviva Preferred Genworth (Females Only) Preferred All Minnesota Life Preferred No treatment SBLI (Females Only) Preferred All Nationwide Preferred John Hancock Preferred Nationwide Preferred

5 Third Best Risk Classification John Hancock Std Plus 71+ n/a HDL>35 MetLife Standard MetLife Standard MetLife Standard MetLife Standard MetLife Standard >300 MetLife Standard Mutual of Omaha Std Plus Transamerica (UL) Standard n/a Non-Tobacco Minnesota Life All No treatment Plus Prudential NS Plus All Non-Tobacco Minnesota Life All Treated Plus Transamerica (UL) Standard n/a Mutual of Omaha Std Plus All ING Select American General Std Plus All Transamerica (IUL) Preferred Transamerica (Term Only) Std Plus Legal & General America Std Plus All Genworth (Males Only) Select All SBLI (Males Only) Select All Symetra Std Plus All American General Std Plus All Aviva (Term Only) Std Plus All Transamerica (IUL) Preferred Transamerica (Term Only) Std Plus John Hancock Std Plus n/a ING (Females Only) Select ; HDL>90 ING Companies (Males Only) Select ; HDL>75 Genworth (Females Only) Select All SBLI (Females Only) Select All American National Std Plus All AXA Std Plus All ; HDL>35 John Hancock Std Plus n/a Aviva (Term Only) Std Plus All Aviva (Permanent) Standard Standard guidelines not published Lincoln Financial Standard Standard guidelines not published Nationwide Standard Standard guidelines not published

6 Standard Standard guidelines not published Principal Standard Standard guidelines not published Protective Standard Standard guidelines not published

7 Fourth Best Risk Classification (where available) Legal & General America Standard All SBLI Standard All Untreated Transamerica (IUL) Non Tobacco n/a Transamerica (UL, Term) Standard n/a Genworth (Males Only) Standard All SBLI Standard All Treated Transamerica (IUL) Standard n/a Transamerica (UL, Term) Standard n/a Genworth (Females Only) Standard All American General Standard All American General Standard All Prudential Nonsmoker Insurability and ratings depend on actual readings and other medical conditions American National Standard Standard guidelines not published Aviva (Term Only) Standard Standard guidelines not published AXA Standard Standard guidelines not published John Hancock Standard Standard guidelines not published ING Standard Standard guidelines not published Nationwide Standard Standard guidelines not published Minnesota Life Standard Standard guidelines not published. Mutual of Omaha Standard Standard guidelines not published Symetra Standard Standard guidelines not published

CHOLESTEROL READINGS / TREATMENT

CHOLESTEROL READINGS / TREATMENT Best Risk Classification John Hancock Super Pref 71+ n/a 280; HDL>40 AXA Pref Plus All 5.5 300; HDL>35 ING Companies (Males Only) Super Pref 61+ 6.0 300 ING Companies (Females Only) Super Pref 61+ 5.5

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