COMPREHENSIVE LIFE INSURANCE FIELD UNDERWRITING GUIDE

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1 WHY CHOOSE GENWORTH? Competitive underwriting decisions Innovative, holistic underwriting approach Dedicated team of underwriting experts Strong financial company with a legacy in the industry that spans more than 135 years IMPORTANT INFORMATION: This life insurance field underwriting guide provides important information regarding Genworth s typical requirements for underwriting life insurance policies and the best classification, if any, usually available for applicants with certain medical conditions and physical and personal characteristics. Please note, Genworth reserves the right to request information that does not appear to be required in this guide. Similarly, underwriters will make an underwriting determination based on the entirety of the information provided to and received by Genworth, which may result in a determination that is more or less favorable than this guide would indicate. For additional information regarding Genworth s underwriting procedures, please contact your Genworth representative. COMPREHENSIVE LIFE INSURANCE FIELD UNDERWRITING GUIDE Underwritten by Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company - Lynchburg, VA, Genworth Life Insurance Company of New York - New York, NY Only Genworth Life of New York is licensed to conduct business in New York. FOR PRODUCER/AGENT INFORMATION ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC Genworth Financial, Inc. All rights reserved /16/09

2 GETTING OFF TO A GOOD START The key to a successful underwriting experience consists of: Submitting a completed application Preparing your client for the process Finding a preferred provider for collecting medical information Ensuring your client doesn t have any of the uninsurable conditions (see Page 4) This information is required to begin the underwriting process: Part I of the completed application Correct state-specific forms to authorize blood testing Age and amount requirements (description follows) You will need to be licensed (and appointed, if applicable) in all states where you will conduct business, including the state where you ll deliver the policy and the state where you ll take the application. To successfully complete the underwriting application, remember to: Provide a detailed cover letter Submit any required TIAA (Temporary Insurance Application and Agreement) information Ensure that you are licensed in the appropriate states An incomplete application may take longer to process, and could require that your client sign an amendment. To ensure your application has been accurately and entirely completed, keep in mind these tips: 1. COVER LETTER A detailed cover letter is not a requirement but could be a critical element in the underwriting process. It could describe any special situation or additional information that may impact an underwriting decision. Please provide any supporting documents for review, along with the application. 2. INSURANCE Be sure to provide the company name, full product name and coverage amount. For example: Genworth Life Insurance Company, Colony 10, $500,000. In addition, include a signed illustration or waiver for universal life (UL) insurance products. 3. NAMES You must get the full legal names of everyone insureds, owners, trustees and beneficiaries. 4. ADDRESSES Full street addresses are needed, with no abbreviations for cities or states. The billing address is needed if it s different from the residence address. 5. PERSONAL INFORMATION Also required are the date and state of birth, Social Security number, relationship of the insured to the owner and the beneficiary, the insured s nicotine use and why the insurance is needed. 6. FINANCIAL INFORMATION The Supplement to Life Insurance Application Part I Additional Insurable Interest Questions needs to be completed if the following conditions apply: a. Applicant is older than 64 and the requested coverage is greater than $500,000 or b. Annual premium is greater than $10,000, excluding 1035 transfers. (Please contact Advanced Marketing for additional information that may be required.) 7. TEMPORARY INSURANCE APPLICATION AND AGREEMENT (TIAA) If money is submitted, provide a TIAA. For additional TIAA information, please see Page FORMS Follow these guidelines for submitting the proper forms. a. Blood testing (HIV) consent forms are always needed. b. If coverage is being replaced, you need to submit replacement forms for the appropriate state. c. If the insured is a minor, complete Nonmedical Part II (GEFA-504). 1

3 d. If you want to submit another company s medical exam, complete Nonmedical Part II (GEFA-504). e. If the following activities/conditions apply for your client, please complete the supplemental forms: Aviation, Diving and Sky Sports, Motor Sports, Climbing Alcohol, Drug Use Foreign Residence/Travel, Resident Alien Financial If you have any questions about the forms you need, please contact your general agency or firm. HELPING YOUR CLIENT Here are a few key points to explain to your client before the paramedical exam: The exam will last between 30 and 60 minutes. There is no cost for the exam and it usually takes place at home or work. You will be asked a series of medical questions; please remember to tell your examiner about all prescription medication you are currently taking or have recently taken. The examiner will collect height, weight, blood pressure and pulse data, as well as a blood and urine sample, electrocardiogram (if applicable) and treadmill (if applicable). Your client s results may be better if they prepare for the exam. Here are some tips: Get a good night s sleep. Try to fast for at least 2 hours before the exam for a more accurate blood test reading; if possible, fast for 12 hours. Don t drink alcohol 8 hours before the exam. Drink a glass of water 2 hours before exam to help produce a urine sample. Don t smoke or drink coffee 1 hour before the exam. FINDING A PREFERRED PROVIDER Current listing of the preferred providers for collecting the required medical information from your client. Para Medical Examiners ExamOne Superior Mobile Medics American Para Professional Systems (APPS) Hooper Holmes Portamedic Examination Management Services, Inc. (EMSI) Laboratory Services Clinical Reference Laboratory (CRL) ExamOne (Lab One) Hooper Holmes - Heritage Labs Attending Physician s Statement () Genworth underwriters will order an as necessary, and will use one of the following: WFI Express Imaging MediConnect.net Hooper Holmes ExamOne J&H Copy Service EMSI Medical Doctor (MD) Exams An MD will be provided by the same supplier who performs your parameds. TEMPORARY INSURANCE APPLICATION AND AGREEMENT GUIDELINES We offer a user-friendly approach to temporary insurance requests. Temporary insurance is designed to cover your client during the underwriting process. Coverage begins the moment your client signs the Temporary Insurance Application and Agreement (TIAA) paperwork and submits the required premium, provided the Application Part I is complete and submitted with the original signed TIAA and all TIAA eligibility questions are correctly answered no. Here are a few important points to remember about temporary insurance: Temporary coverage can last a maximum of 90 days. Temporary coverage ends 45 days after the start date if the required exams and tests are not completed and received by Genworth Life Insurance Company by that time. 2

4 Temporary coverage ends the date the Owner withdraws the application, the date the Owner refuses to accept a policy or offer, or the date we mail notice that the case is declined. The amount of coverage available under a TIAA is the lesser of the amount applied for and $1,000,000 minus the amount of any insurance on the proposed insured s life in force with Genworth under any policies, conditional receipts, or other temporary insurance agreements. The policy will have the same date as the TIAA unless backdating is requested, and premium will be required from that date forward. A backdated policy must be dated prior to the date of TIAA and premiums will be required from the earlier date. UNINSURABLE CONDITIONS Applications for clients with any of the following impairments should not be written. Issue Abdominal aortic aneurysm corrected surgically Alcoholism treatment (detoxification and/or inpatient alcohol program) Alzheimer s disease/dementia Bankruptcy (personal), Chapter 7 Cancer treated with chemotherapy or radiation therapy Cirrhosis of the liver Illegal drug use (other than marijuana) DUI/DWI (more than one) Gastric/intestinal bypass Heart attack Heart bypass surgery (CABG) HIV positive Kidney failure/disease, on dialysis Lung disorder, on oxygen Mental disorder requiring hospitalization Organ transplant pending or received Probation/parole Pregnant with complications (i.e. toxemia, eclampsia, pre-eclampsia) Suicide attempt Stroke (CVA) Valve replacement Timeline Within past 6 months Within past 2 years or history of treatment and currently using or used within last year At any time Not discharged Currently At any time Within 3 years Within 5 years Within 1 year Within 6 months Within 3 months At any time Currently Currently Within 1 year Within 1 year Currently serving Currently Within 2 years Within 1 year Within 1 year This list is not all-inclusive, as other medical conditions and timelines could result in an additional underwriting charge or decline of coverage. If your client has a medical condition not listed here, please refer to the Medical Risks tables in this guide for further information. 3

5 AGE AND AMOUNT GUIDELINES This listing outlines the required tests our underwriters will need based on your client s age and requested coverage amount. It is important to get your client s age and coverage amounts as soon as possible. TERM and UNIVERSAL LIFE For all ages, underwriters will determine if the medical information received is sufficient to make an informed decision and they may require additional medical information on a case-by-case basis. AMOUNTS Ages 0-17 Ages Ages Ages Ages Ages Ages 71+ $0 to $99,999 $100,000 to $299,999 $300,000 to $500,000 $500,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $3,000,000 $3,000,001 to $5,000,000 $5,000,001 to $10,000,000 $10,000,001 and Up Non-Med Non-Med Non-Med DBS at $2M at $2M at $2M : Attending Physician s Statement; DBS: Dried Blood Spot; : Electrocardiogram; : Home Office Specimen; : blood profile; : Inspection Report 1 For ages 65 and over, the must include evidence that the proposed insured visited his/her personal care physician in the 18 months immediately before the date of the application Part 1 or 2, whichever is later. 2 For persons with known coronary artery disease, treadmill stress test is NOT required. For these persons, requirements include a resting, all other age and amount requirements and an that includes full cardiac records. Treadmills on the Survivor Universal Life (SUL) plans will be based on one-half the total face amount requested. For a listing of preferred providers and information on preparing your client, please see Page at $1M (65+, $1M) at $1M 1 (65+) at $3M at $3M at $3M at $3M at $3M (65+) DBS DBS DBS MD exam MD exam MD exam MD exam Treadmill 2 MD exam MD exam Treadmill 2 MD exam Treadmill 2 MD exam Treadmill 2 MD exam Treadmill 2 MD exam Treadmill MD exam MD exam

6 UNDERWRITING CLASS CRITERIA AGES 0-64 Preferred Best, Preferred, Select and Standard: All applicants must meet specific criteria to qualify for these underwriting classes. Meeting these criteria is not a guarantee that an applicant will qualify for a specific class. Custom Class: Applicants who do not qualify for these four classes, but do not require a table rating, will be considered for Custom Class. Select and Custom Classes are not available on all products. The only nicotine use classes available are Preferred, Standard and Custom Class. BUILD CHART AGES 0-64, MALE & FEMALE Maximum Weight (lbs) Preferred Best Preferred Select Standard

7 Nicotine No use of nicotine or nicotine substitutes (Occasional cigar use is considered non-nicotine if 12 or less per year and current nicotine test is negative.) Alcohol/Substance Abuse No history of or treatment for alcohol or substance abuse Aviation Blood Pressure Cancer History Includes all cancers except basal cell carcinoma Cholesterol Treated or untreated total cholesterol maximum reading Cholesterol/HDL Ratio cannot exceed Driving History No DWI, DUI, reckless driving, license revocation or suspension Family History Hazardous Occupation or Avocation UNDERWRITING CLASS CRITERIA AGES 0-64 Personal History No diseases, disorders or activities that would affect mortality. Preferred Best Preferred Select Standard In last 5 years In last 3 years In last 2 years In last 12 months Ever In last 10 years In last 7 years In last 7 years Flat extra premium (available in most cases) or exclusion rider. Not presently taking medication or under treatment and no history of treatment or medication. Current and past readings cannot exceed: 140/85 (age 60 or younger) 150/90 (age 61 or older) Not available if any cancer history Currently controlled and average reading in last 2 years (including treatment) does not exceed: 140/90 (age 60 or younger) 150/90 (age 61 or older) Not available if any cancer history Currently controlled and average reading in last 2 years (including treatment) does not exceed: 150/90 (age 60 or younger) 155/90 (age 61 or older) Not available if any cancer history 240 mg/dl 270 mg/dl 285 mg/dl 300 mg/dl Currently controlled and average reading in last 2 years (including treatment) does not exceed: 155/95 (age 60 or younger) 160/90 (age 61 or older) May be available based on specifi c cancer history In last 5 years In last 5 years In last 3 years In last 2 years No coronary artery disease or cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60 No coronary artery disease or cancer death in either parent on or before age 60 Not more than one coronary artery disease death in parents on or before age 60 Coverage available (in most cases); however may require fl at extra premium. Not more than one coronary artery disease death in parents on or before age 60 6

8 UNDERWRITING CLASS CRITERIA AGE 65 & OLDER Preferred Best, Preferred, Select and Standard: All applicants must meet specific criteria to qualify for these underwriting classes. Meeting these criteria is not a guarantee that an applicant will qualify for a specific class. Custom Class: Applicants who do not qualify for these four classes, but do not require a table rating, will be considered for Custom Class. Select and Custom Classes are not available on all products. The only nicotine use classes available are Preferred, Standard and Custom Class. For applicants 65 and older, we will also review functional state (including exercise capacity and mobility), weight change and nutritional status, cognition and social connectivity and level of independent living. BUILD CHART AGES 65 & OLDER, MALE & FEMALE Height Weight (lbs) Preferred Best Preferred Select Standard Male/Female Minimum Maximum Minimum Maximum Minimum Maximum Minimum Maximum

9 Nicotine No use of nicotine or nicotine substitutes (Occasional cigar use is considered non-nicotine if 12 or less per year and current nicotine test is negative.) Alcohol/Substance Abuse No history of or treatment for, alcohol or substance abuse Aviation Blood Pressure Cancer History Includes all cancers except basal cell carcinoma Cholesterol Treated or untreated total cholesterol maximum reading must be between mg/dl and HDL must be greater than or equal to Driving History No DWI, DUI, reckless driving, license revocation or suspension Family History No family history limitation if age 75 or older Hazardous Occupation or Avocation UNDERWRITING CLASS CRITERIA AGE 65 & OLDER Personal History No diseases, disorders or activities that would affect mortality. Preferred Best Preferred Select Standard In last 5 years In last 3 years In last 2 years In last 12 months Ever In last 10 years In last 7 years In last 7 years Ages fl at extra premium available, ages 71+ require Aviation Exclusion Rider Not presently taking medication or under treatment and no history of treatment or medication Current and past readings cannot exceed 150/90 Not available if any cancer history Currently controlled and average readings in last 2 years (including treatment) do not exceed 150/90 Not available if any cancer history Currently controlled and average readings in last 2 years (including treatment) do not exceed 155/95 Not available if any cancer history 45 mg/dl 40 mg/dl 35 mg/dl 35 mg/dl Currently controlled and average readings in last 2 years (including treatment) do not exceed 160/95 May be available based on specific cancer history In last 5 years In last 5 years In last 3 years In last 2 years Ages 65-74: No cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60 Ages 65-74: No cancer death in either parent on or before age 60 No family history limitation Coverage available (in most cases), however may require fl at extra premium. No family history limitation 8

10 IMPAMENTS GUIDE You can give your clients a more accurate quote if you preview the possible underwriting class that could be available to them, as well as alert them to additional information that may be needed if listed impairment applies to them. Key points to keep in mind: The severity of medical conditions varies among individuals and individuals may have multiple impairments. Underwriters will also review the functional state of applicants age 65 or older. This includes their cognition, mobility and exercise capacity, weight change and nutritional status and social connectivity and level of independent living. If medical testing has been advised but not yet completed, the case will be declined. Underwriters offers depend on the merits of each case. MEDICAL RISKS Health Situation/ Medical History Requirement Information Needed to Evaluate Underwriting Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Alcohol Abuse History and Treatment Treated for alcoholism within 2 years Past history of treatment for alcoholism and used alcohol within 2 years Currently taking Antabuse or other anti-drinking medication MVR Alcohol use supplement Individual consideration Preferred may be available if recovered for more than 10 years Alcoholism treated within 2 years OR Past history of treatment for alcoholism and used alcohol within 2 years OR Currently taking Antabuse or other anti-drinking medication Alzheimer s Disease Not required Decline Aneurysm, Aortic Surgically corrected Depends on extent of disease and recovery Surgical correction of within 6 months Individual consideration. abdominal aortic aneurysm within Required for all others 6 months Angina Required for all Rate varies with severity Unstable angina - not investigated *Current nicotine use may increase the rating or result in a decline 9

11 MEDICAL RISKS Health Situation/ Medical History Asthma* Requirement Routinely using oxygen in last month Hospitalized within 1 year Oral steroid used continually for more than 1 month in last year Information Needed to Expedite Underwriting Onset age Frequency, dates of attacks Emergency room or hospitalization dates Treatment Home oxygen use Smoking history Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Preferred may be available if: Stable mild disease No hospitalizations No other lung conditions Non-smoker Using oxygen routinely in the last month Unstable poor control Severe disease Frequent hospitalizations Intubation within 2 years Blood Disorder Male with anemia Female over 50 with anemia All platelet disorders (e.g. thrombocytopenia, ITP, thrombocytosis) Bone marrow biopsy Polycythemia Hemochromatosis Diagnosis Blood counts and investigations Pathology reports from bone marrow biopsy Varies by diagnosis and severity Blood Pressure (High blood pressure, Hypertension) High blood pressure occurred during pregnancy and still pregnant Baby delivered and blood pressure recovered more than 6 months prior to application Rate classes vary by blood pressure levels. See: FOR AGES 0-64 Page 6 FOR AGES 65+ Page 8 Uncontrolled blood pressure Associated with serious cardiovascular disease High blood pressure and currently pregnant Required for all others *Current nicotine use may increase the rating or result in a decline 10

12 MEDICAL RISKS Health Situation/ Medical History Bronchitis* Build Cancer* Chest Pain* Requirement Routinely using oxygen in the last month Chronic bronchitis (more than 3 bouts per year) Hospitalized within 1 year See Build Charts Below Basal cell carcinoma Treated with chemotherapy or radiation within 1 year Required for all others Heart attack (MI) within 6 months Coronary artery bypass within 3 months Currently being treated with nitroglycerine, Coumadin, Plavix Had cardiac events and procedures (e.g.: coronary artery bypass, angioplasty (PTCA) Information Needed to Expedite Underwriting Those with 3 bouts of bronchitis in 1 year are underwritten as having chronic bronchitis All records (surgery, oncology, pathology and recent follow up) Type of cancer, stage, grade and recurrence Treatment types with dates completed Chest pain is a symptom of many conditions All investigations for chest pain that required urgent medical care or were considered cardiac in nature Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Preferred available Individual consideration Preferred classes may be available for basal/ squamous cell of the skin Standard is the best class for non-skin cancers Varies by cause and severity of underlying impairment Using oxygen routinely in last month Treatment with chemotherapy or radiation within 1 year Depends on cancer type and stage Heart attack (MI) within 6 months Coronary artery bypass within 3 months BUILD CHART Check height. If weight equals or exceeds chart limits below, required *Current nicotine use may increase the rating or result in a decline 11

13 MEDICAL RISKS Health Situation/ Medical History Chronic Lung Disease* Using oxygen routinely in the past month Chronic bronchitis COPD (chronic obstructive pulmonary disease) Emphysema Sarcoidosis Type of lung disorder Pulmonary function test results Chest x-ray or CT reports Treatment Smoking history Varies by cause and severity of underlying impairment Using oxygen routinely in the past month Cirrhosis Not required Decline Clotting Disorders Required for all bleeding / clotting disorders: Hemophilia Factor VIII deficiency Factor IX deficiency Factor V Leiden Von Willebrand s disease Prothrombin mutation Antithrombin deficiency Protein C deficiency Protein S deficiency Colitis/Ileitis (Crohn s disease, regional enteritis, ulcerative colitis, ulcerative proctitis) Coughing up blood Requirement Crohn s disease (regional enteritis) Ulcerative colitis Had surgery for either condition within 6 months required for all cases Information Needed to Expedite Underwriting Details of bleeding or clotting history Investigations Hospitalizations Treatments Age when diagnosed Extent of disease Frequency of attacks Most recent exacerbation Treatment Possible Underwriting Decision Best Class Available for Non-nicotine Users* Varies by condition and control Standard may be available Varies by condition and control Preferred may be available for ulcerative proctitis Standard may be available for others Ratings based on cause Severe attack within 1 year Dementia Not Required Decline When Decline Is Probable Surgery within 6 months *Current nicotine use may increase the rating or result in a decline 12

14 MEDICAL RISKS Health Situation/ Medical History Depression Diabetes Hospitalized for psychiatric reason within 1 year Suicide attempt within 2 years Bipolar disorder (manic depression) Attempted suicide more than 2 years ago Currently seeing a psychiatrist or psychologist Pregnant and has gestational diabetes Required for all others We may request a phone interview for cases in which an is not required Type of diabetes Age when diagnosed Treatment and details of control Dizziness/Fainting Not Required Details required for all applicants age 65 and over Drug Abuse History and Treatment Epilepsy/Seizures Requirement Not required if used illegal drugs (other than marijuana) within 3 years Required for all others Required if took medication for epilepsy/ seizures within 5 years Information Needed to Expedite Underwriting MVR Drug Use Supplement Type of seizure Frequency of attacks Date of last seizure Treatment Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Preferred may be available depending on severity and recovery (no current medications) Varies by severity and control Standard may be available if over age 50 with optimal control and no complications Rated for cause Individual consideration Preferred may be available if recovered for more than 10 years Standard may be available Depends on severity and control Hospitalized for psychiatric reason within 1 year Suicide attempt within 2 years With alcohol/ drug abuse or treatment Pregnant and has gestational diabetes Used illegal drugs (other than marijuana) within 3 years Petit mal (absence seizures) diagnosed within 6 months Grand mal (tonicclonic) diagnosed within 1 year *Current nicotine use may increase the rating or result in a decline 13

15 MEDICAL RISKS Health Situation/ Medical History Gastric Bypass Surgery Gastro-intestinal bleeding Headaches Heart Disease* Angina Heart Disease* Angioplasty Heart Disease* Arrhythmia/ Palpitations Heart Disease* Bypass surgery (coronary artery disease, coronary bypass - CABG) Heart Disease* Heart Attack/ Myocardial Infarction (MI) Requirement Surgery or procedure was done within 1 year Surgery/procedure was done within 1-3 years Not required if bleeding was caused by hemorrhoids Required for all others if: Bleeding within 3 years Hospitalized within 1 year Disability due to headaches is disclosed Required for all Required for all Treated for or taking drugs for arrhythmia within 1 year History of atrial fibrillation Heart attack (MI) within 6 months CABG within 3 months Required for all others Heart attack within 6 months Required for all others Information Needed to Expedite Underwriting Pre-operative and current weights Any complications from surgery All cardiac history, consultations, tests and treatments All cardiac history, consultations, tests and treatments All cardiac history, consultations, tests and treatments All cardiac history, consultations, tests and treatments All cardiac history, consultations, tests and treatments Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Independent consideration Rated for cause Rated for cause Many will be eligible for Preferred Standard may be available Standard may be available Varies by cause and control Preferred may be available if well controlled or recovered Standard may be available Depends on severity Table 2 may be available Gastric bypass surgery within 1 year Surgery less than 1 month ago Depends on severity and presence of other conditions Surgery less than 3 months ago Heart attack (MI) within 6 months Depends on severity Heart attack (MI) within 6 months *Current nicotine use may increase the rating or result in a decline 14

16 MEDICAL RISKS Health Situation/ Medical History Requirement Information Needed to Expedite Underwriting Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Heart Disease Murmur, Mitral Valve Prolapse (MVP), Valve Surgery Valve surgery within 1 year MVP without any other valve problem All cardiac history, consultations, tests and treatments Preferred may be available if no other heart conditions Heart valve surgery within 1 year Other known valve disorder Echocardiogram within 1 year Hepatitis A, B and C Required if Hepatitis C Hepatitis screening tests will be included in the insurance lab tests for all those with a history of hepatitis Preferred may be available if fully recovered from hepatitis A or B If fully recovered from hepatitis C, Table 2 is best available Depends on severity High Blood Pressure (Hypertension) High blood pressure occurred during pregnancy and still pregnant Baby delivered and blood pressure recovered more than 6 months prior to application. Rate classes vary by blood pressure levels. See: FOR AGES 0-64 page 6 FOR AGES 65+ page 8 Uncontrolled blood pressure Associated with serious cardiovascular disease High blood pressure and currently pregnant Required for all others HIV (Human Immunodeficiency Virus) Not required Decline Kidney Disease/Disorder Kidney stone Kidney infection Kidney failure Kidney transplant pending or received within 1 year On dialysis Preferred may be available for kidney stones, infections and simple cysts Kidney failure On dialysis Kidney transplant pending or received within 1 year Polycystic disease Required for all others *Current nicotine use may increase the rating or result in a decline 15

17 MEDICAL RISKS Health Situation/ Medical History Lupus (SLE) Mental Illness Multiple Sclerosis (MS) Muscular Dystrophy Neurological Disorders Organ Transplant Palpitations/ Arrhythmia Requirement Required for all Hospitalized for psychiatric reason within 1 year Suicide attempt within 2 years Suicide attempt more than 2 years ago Currently seeing a psychiatrist/ psychologist Bipolar/manic depression Schizophrenia Required for all Required for all Required for all On a transplant list or awaiting a transplant Received a transplant within 1 year Required for all others Treated for or taking drugs for arrhythmia within 1 year History of atrial fibrillation Type of lupus (discoid or systemic) Organs involved Treatment Date of diagnosis Treatment Response to treatment Recurrence Current status Stability/control Age at diagnosis Course of disease Response to treatment *Current nicotine use may increase the rating or result in a decline Information Needed to Expedite Underwriting All cardiac history, consultations, tests and treatments 16 Possible Underwriting Decision Decline Probable Best Class Available for Non-nicotine Users* Standard may be available for mildest cases Varies by cause and severity Standard may be available for very stable, long-term disease Varies by condition and severity Varies by condition and severity Kidney transplant recipients are rated at very high substandard rates Most other organ transplant recipients are uninsurable Varies by cause and control Preferred may be available if well controlled or recovered Depends on severity Systemic lupus with multiple organs involved Hospitalized for psychiatric reason within 1 year Suicide attempt within 2 years Depends on severity Rapidly progressive disease On a transplant list or awaiting a transplant Received a transplant within 1 year Depends on severity and presence of other conditions

18 MEDICAL RISKS Health Situation/ Medical History Pancreatitis Paralysis Requirement Had active pancreatitis within 6 months Had active pancreatitis 6 months - 5 years before application Paraplegia was diagnosed within 6 months Quadriplegia Bell s Palsy Required for all others Pregnancy Normal pregnancy Pregnant and suffering from a complication of pregnancy (e.g.: gestational diabetes, toxemia, eclampsia, pre-eclampsia) *Current nicotine use may increase the rating or result in a decline Information Needed to Expedite Underwriting Cause of paralysis (disease or injury) Degree of injury and recovery Functional impairment Impairment of organs Parkinson s Disease Required for all Age at diagnosis Peripheral Vascular Disease* Varicose veins Required for all others Progression of disease Severity of disease Presence of dementia Degree of involvement Treatment Response to treatment 17 Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Varies by underlying cause, severity, recurrence pattern and recovery Standard may be available Preferred may be available for Bell s Palsy, if fully recovered Others are rated according to severity with mild to high substandard rates Varies by age and severity Standard rates may be available for mild disease with onset at age 59 and older Varies by severity and associated vascular conditions Presence of risk factors and other conditions Pituitary Disorder Required for all Varies by condition and severity Active pancreatitis within 6 months Associated with alcohol or substance abuse Paraplegia diagnosed within 6 months Quadraplegia Depends on severity Rapidly progressive disease Dementia is present Any complication of pregnancy (e.g. gestational diabetes, toxemia, eclampsia, pre-eclampsia)

19 MEDICAL RISKS Health Situation/ Medical History Prostate Disorder Rheumatoid Arthritis (RA) Seizures/ Convulsions/ Epilepsy Shortness of Breath Skin Disorder Requirement Prostate cancer PIN (prostate interepithelial neoplasia) Prostate biopsy within 2 years Only has osteoarthritis Arthritis is treated with NSAIDS (non-steroidal anti-inflammatories) only Required for all others Required if took medication for epilepsy/ seizures within 5 years Not Required Melanoma Psoriasis with arthritis (psoriatic arthritis) Information Needed to Expedite Underwriting PSA test records All pathology and treatment records PSA testing will also be done during underwriting Number of joints affected Severity Treatment Response to treatment Organs involved Type of seizure Frequency of attacks Date of last seizure Treatment Sleep Apnea* Required for all Sleep studies before and after treatment Treatment type Response to treatment Order Motor Vehicle Report Possible Underwriting Decision Best Class Available for Decline Probable Non-nicotine Users* Standard is best available for prostate cancer and PIN Preferred may be available for others. Standard may be available Standard may be available Rated for cause Rated for cause Preferred may be available for well controlled mild cases Depends on severity Extensive organ involvement (e.g. lungs, heart and joints) Severe disabling disease Petit mal (absence seizures) diagnosed within 6 months Grand mal (tonicclonic) diagnosed within 1 year Uncontrolled severe cases Multiple motor vehicle accidents Suspended driver s license due to sleep apnea *Current nicotine use may increase the rating or result in a decline 18

20 MEDICAL RISKS Health Situation/ Medical History Stroke* CVA (Cerebral Vascular Accident) CVD (Cerebral Vascular Disease) TIA (Transient Ischemia Attack or mini stroke) Sugar, Protein or Blood in Urine Suicide Attempt Thyroid Disorder Tuberculosis (TB) Tumor, Mass, Lump Ulcer/Gastritis Requirement Stroke (CVA) within 1 year TIA, brain aneurysm or ArterioVenous (A-V) malformation within 6 months Required for all others Not Required Not required if suicide attempt within 2 years Required if suicide attempt occurred more than 2 years ago Not Required Not Required if currently being treated Treatment completed within 1 year TB not confined to lungs Not required if basal cell carcinoma Treated with chemotherapy or radiation within 1 year Required for: All biopsies done within 2 years All brain tumors/ cancers All cancers, malignant tumors Required for: Bleeding ulcer within 1 year Barrett s Esophagus Weight See Build Chart on Page 11 *Current nicotine use may increase the rating or result in a decline Information Needed to Expedite Underwriting Age at diagnosis Severity of stroke Residual impairment Risk factor control Co-existing diseases Recurrent episodes Diagnosis of condition Pathology reports of all biopsies Results of all tests Diagnoses Diagnosis of condition Pathology reports of all biopsies Results of all tests 19 Possible Underwriting Decision Decline Probable Best Class Available for Non-nicotine Users* Standard may be available if fully recovered or if TIA Underwrite for cause Rate for underlying cause, severity and response to treatment Standard available for fully recovered cases Rate for cause Rate for cause and severity Depending on cause, severity and recovery Stroke (CVA) within 1 year TIA, brain aneurysm or A-V malformation within 6 months Suicide attempt within 2 years Currently being treated for TB Treated with chemotherapy or radiation within 1 year of application