WRL Life Insurance Underwriting Guidelines For Products Created After January 2003*

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1 WRL Life Insurance Underwriting Guidelines For Products Created After January 2003* Life Insurance Products offered by: WesternReserveLifeAssuranceCo. ofohio *Does not include WRL Xcelerar Exec MS431096WRL-05/10 ForAgentUseOnly.NotForUseWithThePublic. For Use With The Following Products: WRLXcelerar SM WRLXcelerarFocus SM WRLTermPlus SM WRLForLife SM WRLFreedomAssetAdvisor SM WRLFreedomGlobalIUL SM WRL Freedom Index Universal Life

2 WRL Life Insurance Underwriting Guidelines Table of Contents Medical Requirements Underwriting Criteria for Products Class Availability Underwriting Policies and Procedures Authorized Paramedical Companies Trial Applications Confidential Financial Questionnaire Non Face Face Sales Inspection Reports Personal Hisry Question Interviews Mor Vehicle Reports Cash with Application Illustrations Juvenile Coverage Cover Letter (What Include) Retention and Reinsurance Aumatic Issue Limits Jumbo Limit Definition APS Requirements Male Build Table Female Build Table General Financial Underwriting Guidelines General Underwriting Guidelines for Agent Use

3 Medical Requirements In calculating the coverage amount that requires these tests, besureincludethetalamountappliedforwithwrl during the past six months. KEY: A Non-medical B ParamedExam,BCP,HOS C Paramed Exam, BCP, HOS, Resting ECG D Medical Exam, BCP, HOS, Resting ECG E MedicalExam,BCP,HOS,TRD PARAMED Basic Paramedical Exam. Includes medical hisry questions, measured height and weight, pulse, and blood pressure. MED EXAM Medical Docr Exam. Must be arranged through approved paramed companies. HOS(Home Office Urine Specimen) An HOS is required with all medical and paramedical exams. Specimensaregoodfor1yearupage70andgoodfor6 monthsforages71andolder. Term Face Amounts $25,000 $50,000 $50,001 $75,000 $75,001 $99,999 $100,000 $249,999 $250,00 $500,00 UL/VUL Face Amounts $25,000 $50,000 $50,001 $75,000 $75,001 $100,000 $100,001 $250,000 $250,00 $500, * A A A A A A A A B B Issue Age A A A B B A A B B B B B B B C B B B C C B B B C D D D D D D 2

4 BCP Testing is performed by ExamOne, Clinical Reference Labs and Heritage Labs. Appointed paramedical services can obtain the BloodChemistryProfile.TheBCPisavenousblooddraw.BCP isgoodfor1yearupage70andgoodfor6monthsforages 71 and older. Resting Electrocardiagram(ECG) and Treadmill (TRD) IfrestingECGandTRDrecordsareavailablefromatest conductedwithinthelast12months,thetestneednotbe repeated. Treadmill(TRD): The facility performing the test should submit the actual tracing our office for review by our Medical Direcr. AtreadmillECGshouldnotbearrangedforanyapplicantwitha hisry of heart disease without receiving authorization from the Underwriting Department. MCAS(Minnesota Cognitive Acuity Screen) Proposed insureds age 71 and older will complete the Minnesota Cognitive Acuity Screen which screens for cognitive deficits. The MCAS is a simple, short telephone interview, conducted by registered nurses(rns) trained administer the test.themcaswillbegoodfor6months. * Juvenile applications will not be considered until the child is at least 1 month old. Standalone term not available $500,001 $1,000,000 $1,000,001 $2,000,000 $2,000,001 $3,500,000 $3,500,001 $5,000,000 $5,000,001 $9,999,999 $10,000,000 and Higher $500,001 $1,000,000 $1,000,001 $2,000,000 $2,000,001 $3,500,000 $3,500,001 $5,000,000 $5,000,001 $10,000,000 $10,000,001 and Higher Call Home Office B B B B B D B B C C C D C C C C C E C C C C C E C C D D D D D D D D D D D D D D D D 3

5 Underwriting Criteria Class Elite Plus SMOKING STA- TUS Nonsmoker (no bacco or nicotine use for): Nonsmoker 5 years (60 months) Nonsmoker 2 years (24 months) Incidental Cigar Usage Not available Available subject : Admitted on app and/or exam HOS neg for cotinine No more than1 per month BUILD Refer appropriate build table. There are no weight allowances. Refer appropriate build table. There are no weight allowances. CHOL/HDL With or without treatment Up and including: age 70: 5.0 or less; age 71+: 5.5 or less Up and including: age 70: 5.5 or less; age 71+: 6.0 or less CHOLESTEROL With or without treatment 230; disregard if ratio 4.0 or less 260 4

6 Tobacco Non- Tobacco Tobacco Smoker Nonsmoker Nonsmoker Smoker Not Applicable 2 years (24 months) 2 years (24 months) Not Applicable Available Available subject : Admitted on app and/or exam HOS neg for cotinine No more than 1 per month Available subject : Admitted on app and/or exam HOS neg for cotinine No more than 1 per month Available Refer appropriate build table. There are no weight allowances. Refer appropriate build table. There are no weight allowances. Refer appropriate build table. There are no weight allowances. Refer appropriate build table. There are no weight allowances. Up and including: age 70: 5.5 or less; age 71+: 6.0 or less Up and including: age 70: 6.2 or less; age 71+: 6.7 or less Up and including: age 70: 7.0 or less; age 71+: 7.5 or less Up and including age 70: 7.0 or less; age 71+: 7.5 or less or less No limit No limit 5

7 Underwriting Criteria, cont. Class Elite Plus SUBSTAN- DARD No ratable impairments. No ratable impairments. Flat extras allowed for aviation. (Available on Term and UL only) BLOOD PRES- SURE No current treatment for hypertension. Prior treatment OK if discontinued more than 2 years ago: Up and including age 70: 135/85; age 71+: 145/85 With or without treatment, up and including age 70: 145/85; age 71+: 150/90 FAMILY HIS- TORY No family deaths before age 65 of heart or vascular disease or cancer of either parent or any sibling. Disregard if PI is age 65 or older. No death due heart or vascular disease or cancer of either parent before age 60. Disregard if PI is age 60 or older. PERSONAL HISTORY No heart or vascular disease, diabetes, or cancer (except some skin cancers). No heart or vascular disease, diabetes, or cancer (except some skin cancers). 6

8 Tobacco Non- Tobacco Tobacco No ratable impairments. Flat extras allowed for aviation. (Available on Term and UL only) No rateable impairments. Flat extras allowed for aviation. (Available on Term and UL only) Table ratings and flat extras allowed. Table ratings and flat extras allowed. With or without treatment, up and including age 70: 145/85; age 71+: 150/90 With or without treatment, up and including age 70: 148/88; age 71+: 152/88 With or without treatment, up and including age 70: 150/90; age 71+: 155/90 With or without treatment, up and including age 70: 150/90; age 71+: 155/90 No death due heart or vascular disease or cancer ofeither parent before age 60. Disregard if PI is age 60 or older. No death due heart or vascular disease or cancer of either parent before age 60. Disregard if PI is age 60 or older. No death due heart or vascular disease or cancer of both parents before age 60. Disregard if PI is age 60 or older. No death due heart or vascular disease or cancer of both parents before age 60. Disregard if PI is age 60 or older. No heart or vascular disease, diabetes, or cancer (except some skin cancers). No heart or vascular disease, diabetes, or cancer (except some skin cancers). No ratable impairments. No ratable impairments. 7

9 Underwriting Criteria, cont. Class Elite Plus DRIVING HISTORY No more than 2 moving violations in the past 3 years AND no convictions for operating a mor vehicle while under the influence of alcohol or other drugs, or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years AND no convictions for operating a mor vehicle while under the influence of alcohol or other drugs, or reckless driving in the past 5 years. PRIVATE AVIATION AVOCATION* Available with Aviation Exclusion Rider. Ages 71 and over not available. No participation in recreational activities listed below.* Available with Aviation Exclusion Rider. (May qualify for special no-flat rates as determined by Underwriting.) Flat extra available. (Available on Term and UL only) No participation in recreational activities listed below.* * Avocation: Prohibited activities involving aeronautics (e.g., hang-gliding, ultralight, soaring, skydiving, ballooning, etc.), powered racing, competitive vehicles, mountain climbing, rodeos, competitive skiing, or scuba/skin diving at a depth greater than 75 feet. 8

10 Tobacco Non- Tobacco Tobacco No more than 2 moving violations in the past 3 years AND no convictions for operating a mor vehicle while under the influence of alcohol or other drugs, or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years AND no convictions for operating a mor vehicle while under the influence of alcohol or other drugs, or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years AND no convictions for operating a mor vehicle while under the influence of alcohol or other drugs, or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years AND no convictions for operating a mor vehicle while under the influence of alcohol or other drugs, or reckless driving in the past 5 years. Available with Aviation Exclusion Rider. (May qualify for special no-flat rates as determined by Underwriting.) Flat extra available. (Available on Term and UL only) Available as qualifies. (Available on Term and UL only) Available as qualifies. Available as qualifies. No participation in recreational activities listed below.* No participation in recreational activities listed below.* No participation in recreational activities listed below.* No participation in recreational activities listed below.* 9

11 Underwriting Criteria, cont. Class Elite Plus ALCOHOL/ SUBSTANCE ABUSE No hisry or treatment at any time. No hisry or treatment at any time. RESIDENCE/ CITIZENSHIP U.S. resident for past 6 months and 6 months or more each year. U.S. Citizen or permanent residency status (permanent visa or green card). No flat extra allowed. U.S. resident for past 6 months and 6 months or more each year. U.S. Citizen or permanent residency status (permanent visa or green card). No flat extra allowed. FOREIGN TRAVEL No traveling dangerous areas of the world where the State Department has issued travel advisories.* No traveling dangerous areas of the world where the State Department has issued travel advisories.* MILITARY Not available active military duty with alert or deployment orders.* Not available active military duty with alert or deployment orders.* * Unless otherwise prohibited by statute. 10

12 Tobacco Non- Tobacco Tobacco No hisry or treatment at any time. No hisry or treatment in the past 10 years. No hisry or treatment in the past 7 years. No hisry or treatment in the past 7 years. U.S. resident for past 6 months and 6 months or more each year. U.S. Citizen or permanent residency status (permanent visa or green card). No flat extra allowed. U.S. resident for past 6 months and 6 months or more each year. U.S. Citizen or permanent residency status (permanent visa or green card). U.S. resident for past 6 months and 6 months or more each year. U.S. Citizen or permanent residency status (permanent visa or green card). U.S. resident for past 6 months and 6 months or more each year. U.S. Citizen or permanent residency status (permanent visa or green card). No flat extra allowed. No flat extra allowed. No flat extra allowed. No traveling dangerous areas of the world where the State Department has issued travel advisories.* No traveling dangerous areas of the world where the State Department has issued travel advisories.* No traveling dangerous areas of the world where the State Department has issued travel advisories.* No traveling dangerous areas of the world where the State Department has issued travel advisories.* Not available active military duty with alert or deployment orders.* Not available active military duty with alert or deployment orders.* Not available active military duty with alert or deployment orders.* Not available active military duty with alert or deployment orders.* 11

13 Class Availability (1). Base Amount(Not Including Rider) must fall in Medical Requirements Category B or higher, for all products except term. (2). Base Amount is $100,000 and up(term Only) (3). Age Limitation Product Specific: Classes may not be available over age 70. Please consult your promotional material. (4). Requirements listed are not all inclusive and other facrs could prevent qualification for a class. Final decision will be made by company underwriter for all classes. 12

14 Underwriting Policies and Procedures Tobacco Tobacco user is defined as using any bacco products(cigarettes, cigars, chewing bacco, etc.) within the past 24 months. Authorized Paramedical Companies The companies listed below are authorized perform paramedical and medical exams on behalf of Western Reserve Life Assurance Co. of Ohio(WRL). Paramedical and medical examsaregoodfor6months. American Para Professional Systems(APPS) , Examination Management Services, Inc.(EMSI) , ExamOne, Inc , Insurance Medical Services, Inc , www. Imsparamed.com Portamedic , Superior Mobile Medics , www. superiorexams.com Trial Applications Ifaprospecthasbeenhighlyratedordeclinedbyanycompany inthepasrifthereisaserioushealthproblem,submitafully completed application, providing all pertinent information for underwriter review. Further requirements should not be ordered unless requested by the underwriter. Do not collect initial premium with application. If you need guidance determine if a trial application is appropriate or have any questions regarding the trial application process, call WRL Underwriting at Confidential Financial Questionnaire (U ) This is required at time of application and must be submitted with the application. Ages 18-70: Insurance amounts over $2,000,000 Ages 71+: Insurance amounts over $1,000,000 NonFaceFaceSales Certain brokers have gained approval from WRL Marketing engageinnonfacefacesales(nffs).thesesalesareonly permitted on Fixed Products, Term and Universal Life. Variable Universal Life is not available for NFFS. Also, NFFS must include the full, long form application. The WRL Express Application or any other short form application is not permitted. Also, the minimum face amount(term) or minimum specified amount(universal Life) must fall within the range that requires a paramedical exam, blood chemistry profile and urine specimen. 13

15 Inspection Reports Authorized Inspection Companies The home office will order inspection reports when necessary. The company listed below is authorized perform Inspection Reports (IRs)onbehalfofWRL.InspectionReportsaregoodfor1year. ExamOne, a Quest Diagnostic Company Personal Coverage Inspection Report required for: Ages 18 60: Insurance amounts over $5,000,000 Ages 61 85: Insurance amounts over $2,000,000 AnInspectionreportmaybeorderedatthediscretionofthe underwriter. Business Coverage Inspection Report required for: Ages 0 85: Insurance amounts over $2,500,000 A Business Beneficiary Report should be requested if the application amount is over $2,500,000. AnInspectionReportmaybeorderedatthediscretionofthe underwriter. Personal Hisry Question Interviews Personal hisry interviews can be ordered at the discretion of the home office underwriter up the Inspection Report limits. Mor Vehicle Reports These reports are ordered by Underwriting: Ages1840:allamounts. Ages4170:$1,000,001andUp Ages71andUp:allamounts Cash with Application Money may be taken with an application(s), provided the tal of all amounts applied for does not exceed $1,000,000. Eventhoughweallowmoneybecollectedonapplicationsup and including $1,000,000, the Company s liability is limited the terms of the Conditional Receipt. TheConditionalReceiptcanbeusedonlyifpaymentismadeat thetimetheapplicationissigned.ifmoneyisnotcollectedwith the application, the blank Conditional Receipt must be submitted with the application. Illustrations A signed illustration is required be submitted with all applications in jurisdictions where the NAIC Model Illustration Regulation has been passed and the plan is illustratable. Please ask your WRL Representative for a list of WRL products that are illustratable and the states that have passed the regulation. 14

16 Juvenile Coverage Standalone Individual Juvenile(Ages 0-17) policies are available on VUL or UL products. Juvenile applications will not be considereduntilthechildisatleast1monthold.pleaseseethe General Financial Underwriting Guide for more information about juvenile coverage. Cover Letter(What Include) The writing producer is an important source of information. Throughthecoverletter,heorshecanprovideanexplanationof thepurposeofthecoverageandthemethodusedestablishthe requested face amount. Specific information should be included regarding the background ofthesaleandthepurposeandneedforthecoverage.besure clarify any unusual aspects of the case. List all coverage amounts in forceandtheamountbeingreplaced,ifany.copiesofanestate planning analysis and available financial statements should accompany the cover letter. Acoverlettershouldbesennallcasesover$5,000,000.Thiswill help expedite handling and result in less inconvenience all parties. Retention and Reinsurance Reinsurance plays an important role in our business. WRL has developed valuable relationships with our reinsurers over the years thatenableusmeetandservicetheneedsofourfieldrepresentatives and clients effectively. TheamounflifeinsuranceretainedbyWRLvariesbytheageand ratingclassoftheclient.amountsinexcessofwhatweretainare reinsured with p-rated reinsurance companies through an aumatic reinsurance pool or facultative reinsurance. Under the aumatic arrangement, the reinsurers are aumatically bound accept our decision and do not review our underwriting papers. Facultative cases do not qualify for aumatic pool arrangements. Theserequiretheentireunderwritingfilebesentthe reinsurance company for the reinsurer s review and decision. Aumatic Issue Limits The aumatic issue limit is the amount of life insurance coverage we can issue without seeking facultative coverage. It includes the amountweretain,aswellastheamountweaumaticallycede our reinsurers. Ourlimitsareamongthehighestintheindustryandhavebeen made possible by the strength and integrity of WRL, our underwriting standards and practices, and the quality of our field underwriting. Jumbo Limit Definition The jumbo limit cannot be exceeded, or we must seek facultative coverage.itisdefinedasthesumofallinforcecoverageplusthe sumofallfaceamountsappliedforwhetherbeplacedornot. 15

17 Attending Physician Statements Providing complete information, including telephone number, will expeditetheapsprocess.apsswillonlybeorderedbywrl.any brokerdealerorrepthatdesiresorderapssforwrlwillfirst need get prior general home office approval. After general home office approval is granted APSs should only be ordered at the request of the home office underwriter. APS Requirements Face Amounts Age Up and including $1 million $1,000,001 $2,500,000 Over $2.5 million 0 50 NOT ROUTINELY (for cause or for exam within the past 3 months not marked within normal limits)* NOT ROUTINELY (for cause or for exam within the past 3 months not marked within normal limits)* NOT ROUTINELY (for cause or for exam within the past 3 months not marked within normal limits)* NOT ROUTINELY (for cause or for exam within the past 3 months not marked within normal limits)* YES Will be required on ALL applications** YES Will be required on ALL applications Yes If over 500k OR has seen an MD in the last 3 months (any amount)* Yes Within the last 3 years for preferred classes and has an established PCP Yes Within the last 3 years for preferred classes and has an established PCP 70 and older Yes*** Yes*** Yes * APSs not needed on annual female exams unless exam was noted as abnormal or regular annual exams that are marked within normal limits. (If it is determined that an APS is not needed on recent exams and not marked within normal limits, please amend noting normal results.) ** Individual consideration up and including $5 Million (and under age 40) if applicant has not seen an MD for more than 3 years (manager referral if over $5 Million). *** Ages 70 79, normal underwriting guidelines if seen in the last 24 months by PCP. Age 80 should have seen an MD in the last 12 months for any consideration. 16

18 Male and Female Build Tables 17

19 Male Build Table Up and including Age 70 Weight Height Elite Plus Standard

20 Male Build Table Ages 71+ Weight Height Elite Plus Standard

21 Female Build Table Up and including Age 70 Weight Height Elite Plus Standard

22 Female Build Table Ages 71+ Weight Height Elite Plus Standard

23 General Financial The following financial guide is intended assist you in determining maximum coverage. Depending on the amount of coverage requested, WRL may need additional requirements. Inspection Reports and/or Personal Hisry Interviews may be required based on the applicant s age and the amount of coverage requested. When the amount requested exceeds $2,000,000(Ages 18-70) or $1,000,000(Ages 71+) a WRL Confidential Financial Questionnaire is required. Cover letters are helpful for all amounts, but should be included for amounts over $5,000,000, or whenever else indicated in this guide. Personal insurance needs should be a combination of income replacement and estate tax costs less personal coverage already inforce. Purpose Income Continuation Needs Formula and Requirements High Growth Potential/ Facr x Income Professional Ages Regular Limits Occupations Toage Individual Consideration Individual Consideration Thechartaboveisausefulguidefordeterminingthemaximumfaceamountforpersonal coverage income continuation needs. The income stated must be reasonable for the profession or occupation stated. The underwriter will consider the length and level of experience. The income source considered will be that of the proposed insured, not the household income or that of the owner. Remember that earned income includes salary, bonuses, commissions, and deferred compensation. It excludes income from investments. The unemployed spouse may be considered for a percentage of the employed spouse s income. The underwriter will analyze the sources of income, the tal financialsituationoftheclientandtheamounfcoverageinforceandappliedfor determine the maximum face amount WRL can approve. Purpose Key Person Compensation Ratio Formula and Requirements AGE:Toage65 AMOUNT: 7 10 times income President/CEO AGE:Age66+ AMOUNT: 5 times income A cover letter should be provided, for all amounts, explaining the keyperson s value the company, how the coverage amount was determined, whether the keyperson has ownership in the company andthepercentageofownershipandalisfallotherkeypersons, the amount of keyperson coverage and percentage of ownership of the company for each keyperson. Purpose Credir or Business Loan Formula and Requirements Coverage should be on key individuals only(owners, executives) andthefaceamountshouldbenomorethan80%oftheloan amount for individual coverage and tal loan coverage on all partnersshouldnotexceed80%oftheloan.acoverletter should include the purpose, duration of the loan, collateral pledged,itsvalueandtheloaninterestrate.thetermoftheloan mustbe5yearsormore.acopyoftheloanagreementisneeded for loans over $3,000,000. The business should be the owner of the policy. 22

24 Underwriting Guide The cover letter should include the purpose of the coverage and how the amount was determined. Copies of the estate planning analysis should accompany the cover letter. Third party verification is required for amounts over $10,000,000. Third party verification is defined as atrney signature and supporting documentation and/or CPA or accountant verification and signed statement. Additionally, for amounts over $10,000,000 copies of the last two years financial statements are required. Purpose Estate Tax Planning Formula and Requirements This coverage is designed protect the value of an individual s estateatthetimeoftheirdeath.weneedthepurposeoftheinsurance, a current value of the applicant s estate, which includes a personal balance sheet listing all assets and liabilities, and an estate analysis. After calculating the applicant s net worth we use a base interest rate, times the applicant s life expectancy arrive atafaceamountthatshouldmaintainthevalueoftheestate.we cancoverup50%ofthe projectedfuturevalue. AGE: To age 65 *Expected annual Interest: 7% **Maximum Number of Years: : *Expected annual Interest: 7% **Maximum Number of Years: : *Expected annual Interest: 7% **Maximum Number of Years: 7 *The 7% annual growth rate is used for illustration purposes. This estate appreciation rate should be adjusted, up or down, taking in consideration what is a reasonable growth facr in the current economic environment. Typically, this has been in the 5-10% range. ** Standard Risks only, otherwise the underwriter will use the maximum number of years or the remaining life expectancy projection, whichever is less. Purpose Business Continuation, Buy-Sell Sck Repurchase Purpose Juvenile Formula and Requirements Coverage is designed protect the partners or sckholders in a business and allow for the continuation of that business after thelossofapartner.theamountisdeterminedbytheownership percentage and the fair market value of the business. Premiumsarepaidbythecompanyandtheproceedsareusedbuy out the deceased partner s share of the business. A cover letter should be provided for all amounts explaining how the amount of insurance and the market value of the business were determined.acopyofthebuy-sellagreemenrthedetailsofthe buy-sell agreement should be provided. Please provide the applicant s ownership percentage, the number of other partners, their ownership percentage and the amount of buy-sell coverage on eachpartnerandtheamountandpurposeofallinforcebusiness coverage. All partners must apply for or have in force buy/sell coverage. The underwriter will need the last two years corporate balance sheets and income statements, including NOTES. Formula and Requirements The maximum tal line amount of coverage, inforce and appliedforis$500,000.theparentsorlegalguardianshouldhavea minimumof2timestheamountrequestedonthejuvenile.all siblings should have equal coverage. Parents or guardians must always witness the applications and complete the non-medical declarations. For amounts over $500,000 the underwriter will consideronanindividualbasiswithacoverletterfromtheagent explaining the need and purpose and the overall family insurance estate planning program where the insurance needs of the parentsarefirstcoveredandtheamounfcoverageonallfamily members is consistent with the financial picture of the parents.incomeandnetworthoftheparentswillbeafacrinthe decisionashowmuchcoveragewillbeissued. 23

25 General Underwriting Guidelines For Agent Use Only Thefollowingguideisprovidedhelptheagentmake tentative quotes only. Final underwriting decision may differ from ratings stated below. Key A=Standard4Tables(or$2.50$5perthousandflatextra*) B=4Tables8Tables(or$5$10perthousandflatextra*) C=8Tables12Tables(or$10$15perthousandflatextra*) Decline * Cancer, drug/alcohol abuse, adverse driving record and aviation usually require flat extras occasionally in combination with a table rating. Please call the Home Office or send in a preliminary inquiry if you have any questions. AIDSorHIVPositive...Decline ALCOHOLISM(AGE30&UP) Currentlydrinking...Decline Years of recovery: 0-2years...Decline 3-5years...C 6years&up...A ALZHEIMER S DISEASE/ DEMENTIA...Decline ASTHMA Mild(Nooralsteroids)...A Moderate(Occasionaloralsteriods)...B Severe...Decline ATRIAL FIBRILLATION 0-5years...B 6years&up...A CEREBRAL PALSY Under10yearsold...Decline 10 years old& up(self-sufficient) Mildonly...A CIRRHOSIS OF THE LIVER Best cases only: Mild liver function elevations No alcohol use No complications- Time since diagnosis: 0-5years...Decline 6-9years...C 10years&up...B 24

26 CONGESTIVE HEART FAILURE(CHF) Present3yearsrecovered...Decline 4years&up...B CROHN S DISEASE(medication treatment only, stable, no reocurrence and normal weight) Mild- Years since diagnosis: 0-1year...Decline 2years&up...AorB Moderate/severe...B Decline CYSTICFIBROSIS...Decline DIABETES Withratablebuild,kidneyorheartdisease...Decline Diagnosedpriorage20...Decline Others with GOOD control, see tables below: (no complications, A1C < 8.0) DMII(Diet or Oral) Age at Diagnosis Duration in Years B B A A 66years&up A A DMI(Insulin) Age at Diagnosis Duration in Years B B 51years&up A A DOWN S SYNDROME Toage20...Decline 21-40withmildimpairmennly...C 41yearsandup...Decline DRUG ABUSE Marijuana(Occasionaluse)...A,Tobaccorates All other drugs Years since recovery: 3-6years...B 6years&up...A AnyRelapses...Decline EMPHYSEMA/COPD(Non-smoker) MILD...A MODERATE...B SEVERE...C Decline (Smoker) MILD...B,Tobaccorates MODERATE/SEVERE...C(Tobaccorates) Decline HEART ATTACK, HEART BYPASS, ANGIOPLASTY or STENT Age at onset: 0-39years...Decline 40years&up...B 25

27 HEPATITISBandC Normalliverenzymes,favorableliverbiopsy...A Normalliverenzymes,noliverbiopsy...B Abnormalliverenzymes...B Decline Successfulresponsetreatment...A HIGH BLOOD PRESSURE(Hypertension) MILD(normalreadings/withmedication)...A MODERATE...B SEVERE...Decline HODGKINS DISEASE 0-3years...Decline 4-9years...C 10years&up...A LEUKEMIA...Decline LUPUS ERYTHEMATOSIS(SLE) Age at time of diagnosis: Under20yearsold...Decline Age20&upwithdiseaseduration: 2-10years...C 10years&up...B SevereDisease...Decline MENTAL RETARDATION Under19yearsold...Decline 19years&up MILD...A MULTIPLE SCLEROSIS MILD...A (lowerendofrangeatlongerdurations0-3yearsvs.3-10years vs.over10years) MODERATE...B (lowerendofrangeatlongerdurations,0-3yearsvs.3-10years vs.over10years) SEVERE...Decline NEPHRITIS/ GLOMERULONEPHRITIS(Kidney Disease) Under15yearsold...Decline 15years&up: Normalkidneyfunction...A Mildkidneyimpairment...B Moderateimpairment...C Severe...Decline NON-HODGKIN S LYMPHOMA(Complete remission) LowGradeLymphoma...Decline Intermediate/High grade Lymphoma 0-3years...Decline 4years&up...C Decline PACEMAKER Under15yearsold...Decline Years since placement: 0-3months...Decline 4months&up...AB PERIPHERAL VASCULAR DISEASE(nonsmoker) Unoperated: Mild...A Moderate...B Operated: Successfully treated with single surgery Time since surgery: 0-6months...Decline 7months&up...A PHLEBITIS/ BLOOD CLOT(NO lung involvement) No complications: 0-2months...Decline 3months&up...A 26

28 RHEUMATOID ARTHRITIS Mild/Moderate...A Severe&disabling...Decline SLEEPAPNEAbuildup2tables. 0-6monthssincediagnosis...B 7 months& up(good response/compliance with treatment).a STROKE(non-smoker, single attack/ no complications or residuals) 0-1year...Decline 2-4years...B+$5.00x3 5years&up...A TRANSPLANTRECIPIENTS...ALLDecline **QUOTES ABOVE ARE BASED ON AVERAGE CASES - ACTUAL PATHOLOGY MAY INDICATE BETTER OR WORSE CASE** Cancer-mustbeinremissionwithNOhisryoflymphnodeinvolvement, metastasis and NO reocurrence. Rate from the date of surgical removal or completion of chemotherapy&/or radiation. Cancer cases will be quoted on a preliminary inquiry basis. 27

29 Life Insurance Products offered by: Western Reserve Life Assurance Co. of Ohio Home Office: Columbus, Ohio Administrative Office Address: P.O. Box 5068 Clearwater, Florida Cusmer Service: ext MS431096WRL-05/10 For Agent Use Only. NotForUse With The Public.

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