LIFE UNDERWRITING GUIDELINES

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1 AETNA ANTHEM BLUE CROSS 2 9 employees: $20, employees: $200,000 Flat 2 9 Employees: $10,000, $15,000, $20,000 or $50, Employees: $10,000, $15,000, $20,000, $25,000, $30,000, $50,000, $75,000, $100,000, $125,000, $150,000, $175,000, or $200, enrolled: $30, enrolled: $50, enrolled: $100, Employees: $25,000, $30,000 or $50, Employees: $25,000, $30,000, $50,000 or $100, Employees: $25,000 to $300,000 Salary Employees: 1 times or 2 times salary (rounded to next higher $1,000) Employees: Up to 3 classes allowed with a minimum of 3 enrolled in each class. Benefit amount of the highest class cannot be more than 5 times the amount of the lowest class Employees: $5,000 spouse, $2,000 child. 65% at age % at age % at age 75. Other options available for groups of Group Size : Must be sold alongside medical or dental : Available standalone. Admin Fee None. None. Contribution 2 9 Employees: 100% Employees: Minimum 50% (excluding optional dependent life) 2 9 Employees: 100% and a minimum of 2 enrolled Employees: 75% of eligible. If 100% employer paid, then 100% participation 2 9 Employees: 1 times annual salary. Minimum benefit of $25,000 & maximum benefit up to $100, Employees: 1 or 2 times annual salary; all employees must have the same schedule. Minimum benefit of $25,000 & maximum benefit of: enrolled: up to $250, enrolled: up to $300, Employees: Employees: Up to 2 classes allowed. $25,000 to $300,000 available; select amounts in increments of $1,000. Must have at least one employee in each class. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class. $10,000 Option $10,000 spouse & each child, $1,000 for child under 6 months. $5,000 Option $5,000 spouse & each child, $500 for child under 6 months. 35% at age 65. Minimum 25%. Rev. Date 11/20/15 Page 1 of 5

2 CALIFORNIACHOICE CHOICE BUILDER HEALTH NET 2 10 employees: $25, employees: $50, employees: $75,000 Flat From $10,000 up to $75,000 in $5,000 increments based on group size employees: $25, employees: $50, employees: $75,000 From $10,000 up to $75,000 in $5,000 increments based on group size eligible: $25, eligible: $50,000 Effective January 2016: eligible: $25, eligible: $50, eligible: $15,000 or $25, eligible: $15,000, $25,000 or $50,000 Effective January 2016: Salary Not available Not available Up to 4 classes allowed. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class. Up to 4 classes allowed. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class eligible: $15,000 or $25, eligible: $15,000, $25,000 or $50,000 30% at age % at age % at age % at age % at age 65. Group Size DE-9C not Some industries are ineligible. 2 9 eligible: no more than 25% of employees may be 60 or older. Effective January 2016: eligible and enrolled, based on FTE count (full-time equivalents). No. No, must be offered alongside dental. 2 9 eligible: Must be alongside medical. Admin Fee None. Fee based on group size: 2-8 employees: $20 per month employees: $25 per month. 21+ employees: $30 per month. If group is enrolling alongside CalChoice, the CalChoice admin fee will be waived. 10+ eligible: Contribution Minimum 100%. Minimum 100%. 2 9 eligible: 100% None. 10+ eligible: Minimum 50% 100% participation 100% participation 2 9 eligible: 100%. 10+ eligible: Minimum 75%. If 100% employer paid, then 100% participation Rev. Date 11/20/15 Page 2 of 5

3 METLIFE 2 50 METLIFE Basic: $50,000 Supplemental: $50,000 employee. Flat Basic: $10,000, $20,000, $15,000, $25,000 or $50,000 Supplemental: Available in increments of $10,000 to a $500,000 maximum. Salary lives: 1x Salary up to $50,000, $75,000, or $100, lives: 1x Salary up to $50,000, $75,000, or $100,000, or $150,000. 2x Salary up to $150, lives: 1x Salary up to $50,000, $75,000, or $100,000, or $150,000. 2x Salary up to $150,000 or $250,000. Groups with Prior Coverage Amount varies Groups with No Prior Coverage 50+ employees: $100,000 Basic Term Employer Sponsored: Minimum $5,000 in increments of $5,000. Voluntary: Minimum $10,000 in increments of $5,000. Core Buy-Up Minimum $20,000. Increments of $1,000. Employee Buy-Up minimum $10,000 Basic Term 1x, 1.5x, 2x, 2.5x, 3x, 3.5x, 4x and 5x Salary. 8x Salary available when combined with Supplemental Term. Core Buy-Up Available. Spouse: 50% of the employee amounts up to $100,000 (in increments of $5,000) Child: 50% of the employee amount up to $10,000 maximum. Available in amounts of $1,000, $2,000, $4,000, $5,000, and $10, % at age 65. Group Size Basic /AD&D: Supplemental /AD&D (includes life): eligible. Must be in business at least 1 year prior to the effective date of the coverage. Groups with < 10 EEs, no more than 75% of the group can be family members (spouses, siblings, children, and parents). DE-9C will be required groups with > 50% family members. Groups with < 25 EEs will be declined if any employee age is 75+. Industries that must be quoted direct: Excluded Industries: 8811, Excluded Employees: retirees, part-time, temporary, seasonal, leased, independent contractors (1099s), pilots and elected officials. Basic: 2 9 must be sold alongside dental. Supplemental (includes life): Available with 10+ eligible and must be sold alongside Basic. Groups of 5 9 enrolled must also be sold alongside dental. Admin Fee None. None. Contribution Basic: 100% Employer contribution. Basic Term Basic: 100% of eligible. Supplemental: 25% with a minimum of 5 enrolled. 1x, 1.5x, 2x, 2.5x, 3x Salary to $500,000 Term is only available with Basic Term. Retirees are not eligible. Spouse benefit cannot exceed 50% of the employee s Basic Term benefit. Child benefit cannot exceed spouse s benefit. 65% of original coverage amount at age 65, 50% of original coverage amount at age 70. Other options available All products must be custom quoted. Minimum 25%. Core Buy-Up 100% non-contributory only. Employee Buy-up plans are 100% employee paid. Basic Term & Core Buy-Up 100% non-contributory only. Employee Buy-up plans have no participation requirement. Rev. Date 11/20/15 Page 3 of 5

4 PRINCIPAL LIFE RELIANCE STANDARD 3 9 employees: $50,000 when submitting Field Underwriting questions and accepted by underwriting employees: $100, employees: $125, employees: $100, enrolled: $50, enrolled: $75, enrolled: $100,000 Flat From $15,000 to $750,000 in $1,000 increments for all employees. From $10,000 to $200,000 in $1,000 increments. Salary Up to 5 times salary up to $750,000. 1x or 2x salary up to $200,000. Will do legitimate job classes. Can do salary/hourly or management/ non-management, etc. Spouse Voluntary Employer option of $1,000, $5,000, $10,000 or $25,000. Not to exceed 50% or 100% of employee benefit lives: $5,000 $100, lives: $5,000 $150, lives: $5,000 $200,000 Child Voluntary Based on group size, employer may select between 1-5 options ranging from $2,000 $25,000. Not to exceed 50% or 100% of employee benefits; must be same % elected for spouse benefit). $1,000 benefit for children < 14 days 35% at age % at age 75. Additional options available. Must have 2 employees enrolled in each class. Group Size Must be in business at least 1 year to qualify for coverage. SmartChoice Firms with employees residing on employer s premises are ineligible. Some industries are ineligible. 3 4 enrolling: Must be written alongside another Principal product. 5+ enrolling: Admin Fee None. $5 per month for electronic billing, or $12 per month for paper billing. (Groups enrolling in dental must elect paper billing) Contribution Minimum of 50% Employer may contribute from 0-100% of the premium. 2 eligible: 100% of eligible. 3 5 eligible: All but one must enroll. 6 9 eligible: All but two must enroll eligible: 75% must enroll. Part-time EEs working hours/week may be included if less than 25% of total eligible. If employer contributes 100% then 100% participation is Carve-outs permitted, must have 2 employees enrolled within a class. All information published herein is gathered from sources which are thought to be reliable, but the reader should not assume that the information is official or final. Reliance on this information received from LISI shall be at your sole risk, and LISI assumes no responsibility for any errors, omissions, or damages arising. Users of this information are encouraged to confirm with other sources, and to seek qualified advice if embarking on any actions that could carry personal or organizational liabilities. Rev. Date 11/20/15 Page 4 of 5

5 UNITEDHEALTHCARE UNUM THROUGH COPOWER Flat 2 5 employees: $25, employees: $50, employees: $100, employees: $175,000 Supplemental Employee & AD&D: employees: $30, employees: $80, eligible: $15,000 $50,000 in $5,000 increments 6 19 eligible: $15,000 $175,000 in $5,000 increments eligible: $15,000 $250,000 in $5,000 increments eligible: $15,000 $350,000 in $5,000 increments Supplemental Employee & AD&D Flat increments of $25,000, not to exceed plan maximums Salary 2 5 eligible: 1x or 2x salary up to $50, eligible: 1x or 2x salary up to $50,000, $100,000 or $175, eligible: 1x or 2x salary up to $50,000, $100,000, $175,000 or $250, eligible: 1x or 2x salary up to $50,000, $100,000, $175,000, $250,000 or $350,000 Supplemental Employee & AD&D 1x or 2x salary not to exceed plan maximums: eligible: $100, eligible: $200, eligible: $300,000 Basic and AD&D 2 9 lives: $25, lives: $150,000 Employee Voluntary and AD&D 2 9 lives: $10, lives: $30, lives: $80,000 Voluntary and AD&D: Spouse: $10,000. Child: $6,000 Basic and AD&D 2 9 lives: $10,000, $15,000 $20,000 or $25,000 as determined by the Employer. 10+ lives: $10,000, $15,000, $20,000, $25,000, $50,000, $100,000 or $150,000 as determined by the Employer. Employee Voluntary and AD&D Available in increments of $10,000. Maximum amount is the lesser of $250,000 or 5x earnings. Allowed for group of 10+ employees. Classes include hourly, salaried, management, non-management, etc. Group Size Basic Spouse $2,000, Child $1,000 Spouse $4,000, Child $2,000 Spouse $7,500, Child $3,750 Supplemental Spouse $10,000 or $20,000 Child $5,000 or $10,000 Guarantee Issue: Spouse $20,000, Child $10,000 65% at age Supplemental available for groups with 10+ eligible employees. Groups of 2 5 must be sold alongside medical. Supplemental must be sold alongside Basic. Limit of 5 classes with a minimum of 3 employees per class The highest class will have no more than 2x s the benefit of the lowest class +$10K with a maximum of $100,000. Spouse Voluntary and AD&D Available in increments of $5,000. Maximum amount is the lesser of $250,000 or 100% of employees voluntary life amount. Child Voluntary and AD&D $6,000 option. Birth to age % at age % at age Groups currently enrolled with Unum are not eligible for coverage through CoPower. Admin Fee None. $10 admin fee per month per group. Contribution Non-contributory: 100% Contributory: Minimum 25% Basic and AD&D: 100% Employer Paid Voluntary and AD&D: 100% EE Paid Non-contributory: 100% Contributory: Minimum 75% Supplemental EE & AD&D: Min 25% Basic and AD&D: 100% Voluntary and AD&D: 0% Rev. Date 11/20/15 Page 5 of 5