Occupation Classifications

Transcription

1 Standard Insurance pany Occupation Classifications Individual Disability Insurance ual Revised as of July 8, 2008 Overview The underwriting process starts with a clear understanding of the business in which the proposed insured is engaged and the duties of the occupation. Duties is the key word. The applicants must clearly state what they do for a living the duties of the job are relevant, not just the title. Please avoid general terms such a salesperson, executive or president, without further description. complete description of duties is required. If an individual has multiple or part-time occupations, the occupation classification will be determined by the most hazardous. Class 5 This class includes a number of professionals and select white-collar occupations. Preferential rates are available. Typical occupations are architects and some engineers and corporate executives. Class This class is for physicians who do not perform any type of surgery or interventional procedures with some exceptions. These physician specialties include general practitioners, internists, family practice physicians, pediatricians, cardiologists, radiologists, gastroenterologists and dermatologists. Most dental specialties are also included in this occupation class. Class 4 This class includes a number of professions and select whitecollar occupations. Favored premiums are available. Typical occupations are large-animal veterinarians and underwriters. Class This class is for physicians who perform surgery or interventional procedures with some exceptions. These physician specialties include anesthesiologists, emergency room physicians, obstetricians and surgeons. Non-specialty dentists are also included in this occupation class. Class This class includes most professionals, and those technical and managerial occupations that do not qualify for 4. In most cases these people are office-only workers whose particular occupations exhibit a high degree of stability and responsibility. Class Class includes supervisors of various occupations who do not perform manual labor. Certain skilled clerical and technical workers are also included, along with some other categories of occupations. Examples are dental hygienists, surveyors and many clerical workers. Class This class includes manual workers with no unusual occupational hazards such as chiropractors and hair stylists. Class This class covers the most hazardous work that The Standard will insure for disability income insurance. Examples are bricklayers, carpenters and mechanics. Classifying Occupations particular job and job duties are generally classified in accordance with the hazards of the work and the difficulty involved in returning to work. Other factors may also strongly affect the claim experience, such as the social or economic environment. For example, the disability income claim experience for chiropractors, dentists and employees of restaurants and hotels is higher than the actual hazard would seem to warrant. Selected occupations may have certain other qualifications or requirements resulting in a more or less favorable classification. These requirements will be listed either with the occupation or in the Special Occupation section beginning on the following pages FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does and not reflect does not exact reflect contract exact language. contract language. Provisions Provisions and availability and availability of certain of policy certain benefits policy and benefits riders and may riders vary may by state. vary ll by benefits state. ll and benefits riders and are subject to riders underwriting are subject considerations to underwriting and evaluation considerations and reinsurance and evaluation availability and reinsurance availability. 1 1

2 Standard Insurance pany Occupation Classifications Individual Disability Insurance ual Revised as of July 8, 2008 Using the Occupation Classifications List Finding a Specific Occupation Change in Occupation Some occupation classifications may be found by the name or type of specific job or occupation, such as accountant, barber, nurse. For others it may be necessary to refer to a general industry or activity, such as agriculture, bank, computer, construction, medical services, etc. Since no list can be allinclusive, if an occupation is not listed or there is any doubt as to the probable classification, contact your home office underwriter. The occupation class assigned will be based upon the actual duties, not based on the job title. The list is a guide only and the actual underwriting classification assigned to a policy may be more or less favorable, subject to the home office underwriter s evaluation. For some occupation classifications the occupation list will show that two or more years income documentation may be required. Full-time Employment Required The proposed insured must work 30 hours or more per week at the primary occupation. Part-time or Multiple Occupations Reduction of premiums for a change in occupation will be considered after a permanent change, other than due to retirement, to a lower premium rate occupation. The insured must have performed in the less hazardous occupation continuously for at least one year and have no intention of returning to the primary duties of the previous occupation. When underwriting a request for reduction of occupational premium, in addition to evaluating the change in occupation, The Standard will consider build, medical history and impairments, habits and all other underwriting factors. n insured who has changed to a lower premium rate occupation, but who has become a higher risk for some other reason, will not qualify for improvement in the occupation class. ny premium refund will depend on the circumstances of the particular case. In no event will premium be refunded for more than one year prior to the date notice of change was received at the home office. Therefore, it is important that prompt notice of an occupation change be given to The Standard. ny part-time occupation(s) must be shown and described. Part-time income is generally not included to determine the benefit amount that may be issued. The occupational classification assigned will be for the most hazardous or higher premium occupation. FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does and not reflect does not exact reflect contract exact language. contract language. Provisions Provisions and availability and availability of certain of policy certain benefits policy and benefits riders and may riders vary may by state. vary ll by benefits state. ll and benefits riders and are subject to riders underwriting are subject considerations to underwriting and evaluation considerations and reinsurance and evaluation availability and reinsurance availability. 2 2

3 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. Occupation Classifications List ll of the classifications in this list are guidelines. The final occupation class assigned to a specific insured is subject to home office underwriting review and approval. In some cases the occupation classification may be subject to reinsurance review and approval. Occupation Income Class Occupation Income Class ca ca nt ag ut cademic Dean (see Education) ccountant ookkeeper (see ookkeeper ) CP Other accountant, with degree Other accountant, no degree ccount Executive (see ckbroker ) ctor, ctress ctuary Fellow or M Other actuarial designation Without actuarial designation cupuncturist ** (not MD) djustor (see Claims djustor ) dministrative ssistant Income $30,000+ Other dvertising Executive, administrative, sales duties only erobics/exercise Instructor (see Sports) eronautical Engineer (No experimental flying) (see Engineer ) esthetician gent/producer (see roker or Insurance Producer ) griculture (eekeeping, Dairy, Farm, Hatchery, sery, Orchard, Ranch, Vineyard, Winery ) Employee (year round, full time only ) Foreman, ager, Superintendent Owner 1 Owner 1, with two or more full time, year round workers and $50,000+ earned income Other gronomist (see Chemist ) ir ditioning, Heating, Ventilation dministrative and/or sales only (see Sales) Install, Repair, Service ircraft Mechanic (not flight testing) (see viation) irline Ground Crew (see viation) irport Screener (see viation) ir Traffic troller (see viation) larm Install, Service llergist ** musements (see Sports) musement Park/Theme Park Employee nesthesiologist ** nesthetist ** (not MD) working full time as nesthetist nimal trol Officer, Dog Catcher nimator nnouncer ntenna Erector, Maintenance 1. For those farmers with positive net income with three years tax returns showing profitable operations, The Standard will add in the depreciation to the net income to determine the benefit amount. FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 3

4 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. nt ntiques uyer Refinisher, Repairer, Restorer Others partment ager (see uilding Services) ppliance, TV, Video Install, Service, with field duties ench duties only, no pickup, delivery or field duties ppraiser Insurance, rt Merchandise Real Estate (see Real Estate) rcheologist sulting or office only Field duties rchitect With degree, license, office duties only Registered, not supervising construction Landscape rchitect (see Landscaping) rchitectural Draftsman rmed Forces Personnel rmored Car Driver (see Driver ) Guard (see ank) rt Director rt Gallery Owner, Curator Dealer, Sales rtist nimator mercial rtist, Illustrator, Graphic Designer, Graphic rtist Others, including free-lance rt Restorer sphalt Paver ssessor * thletics (see Sports) ttorney uctioneer Livestock Not Livestock udiologist uditor (if CP, see ccountant ) uthor (if applicable, see Newspaper ) utomotive, RV, Trailer, Other vehicles - sales, service, lease, rental Garage, Service Station, Paint/ody Shop, Car Wash, Parking Garage or Lot Owner, Cashier, Counterperson, no manual duties Owner, manual duties ager Mechanic, ody Repair, Painter, Parking or Station ttendant, Tow Truck Washer, Detailer New Vehicle Dealership, Leasing Executive, Owner or ager, $60,000+ income, office duties only Other Owner, ager Parts Clerk, Counterperson Salesperson Parts Sales New (see Sales) Used (see Used Parts) Used Vehicle Sales, Vehicle Rental gency ager, Owner, supervisory duties, with full time sales staff, $50,000+ income Other ager, Owner, Salesperson Other (see Garage, Service Station above) viation Civilian ir Traffic troller, Crop Duster, Flying Instructor mercial Pilot, Crew, Flight ttendant Other (requiring F licensing to perform their duties) Other (not flying): irline Ground Crew, aggage Handler 4 ca nt ag ut irport Screener ctronics Technician, Mechanic Military, any FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 4

5 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. ag aggage Handler ail ondsman ailiff akery aker, Foreman, ager, Proprietor, Skilled Worker Delivery (see Driver ) ank, Credit Union, Finance, Savings and Loan, Title and Escrow rmored Car Driver (see Driver ) Guard ookkeeper, Clerk, Teller troller, ptroller, Mortgage anker, other Officer Economist with PHD Escrow Officer, Loan Officer, ager, Searcher, Title bstractor Officer, income $60,000+, three years in same occupation arber, (if working in home/residence ) artender eautician (if working in home/ residence ) eekeeper (see griculture) ellhop icycle Repair Mechanic illboard Erector illiards (see Sports) iochemist (see Chemist ) iographer iologist (see Chemist ) lacksmith, non hazardous industry laster ody Shop (see utomotive) oilermaker (see ufacturing) ond Trader (see ckbroker ) ookkeeper Earning $30,000+ Others oom Operator otanist (see Chemist ) owling lley ager, Cashier (see Sports) rewery Worker (see Liquor Industry ) ricklayer roker (also see uyer ) ond, Investment, Securities, ck (see ckbroker ) modity roker, Floor Trader (see ckbroker ) Food, Lumber, office duties only, office not in home/residence (if working in home/residence ) Insurance (Casualty, Disability, Life, Property, Other Lines) (see Insurance Producer in Special Occupations Section following Occupation Classifications List ) Mortgage (see Real Estate) Pawnbroker (see Pawn Shop) Real Estate (see Real Estate) uilding Inspector (see Real Estate) uilding Mover, Demolition Foreman, Proprietor Others uilding Services partments ager, office only, non resident, $50,000+ income ager with maintenance duties ager, others Other uildings Custodian, Janitor ager, office duties only, $50,000+ income ager with maintenance duties ager, others Stationary Engineer ulldozer Operator urglar larm Install, Service us Driver (see Driver ) usiness Machine Repair us Station Worker (see Transportation) utcher, Meat Cutter (see Meat Cutting, Packing) uyer (also see roker ) ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 5

6 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. ut Farm Produce, Grain, Poultry, Tobacco (with field duties) Fur, Hide, Livestock, Pelt Merchandise (office and travel) Cab Driver (see Driver ) Cabinetmaker no installation with installation duties Cable Installer, Repair Camera Operator Cardiologist ** Caretaker, Groundskeeper Carpenter Carpet, Rug Cleaner Carpet Installer, Layer Carpet Factory (see ufacturing) Car Sales (see utomotive) Car Washer, ttendant Cashier Casino Dealer, Pit oss, Waiter, Waitress and others working gaming and/or others performing services or duties in a casino Executive, office duties only Caterer Cement, crete Finisher Cemetery ager, Caretaker, Worker (see Funeral Industry ) Census Taker * Certified ses ide (CN) (see se) Certified Registered se nesthetist ** (CRN) Chaplain Chauffeur (see Driver ) Chef, Cook ar, Lounge, Tavern (see Liquor ) Hotel, Restaurant (see Restaurant ) Chemical Engineer (see Engineer ) Chemist, gronomist, iochemist, iologist, otanist, Geologist, sicist, siologist, Scientist, Zoologist Field and laboratory duties, more than 20% Field and laboratory duties, 20% or less Office and consulting only, minimum of achelor s degree Child Care (see Daycare Provider ) Chimney Sweep Chiropodist/Podiatrist ** Chiropractor Choreographer Cinematographer Civil Engineer (see Engineer ) Claims djustor Claims Examiner, office duties Fire, Marine, and those with field and/or inspection duties With field duties Other, office only Clergy Member Clerk, (If applicable, see Office Worker ) ords Parts Postal Sales (see Sales) Shipping, eiving ck Clock, Watch Repair, ssembly Coach Professional Sports (see Sports) Non Professional (see Education) Cocktail Waitress, Waiter, not casino Collection gency Inside office duties only With outside duties With repossession duties 4 5 ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 6

7 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. edian mercial rtist (see rtist ) modity roker or Floor Trader (see ckbroker ) poser puter Sales (see Sales) puter Operator, puter Services ssistant or Clerk, Data Entry, Documentation Specialist, Tape Librarian, Repairman or Technician, Scheduler, no pick up or delivery usiness Systems nalyst, Database dministrator, Database nalyst, Internet Operations Specialist, LN or Unix dministrator, Network Systems nalyst, Network Technician, Process nalyst, Project ager/supervisor, Software Developer, Systems Engineer, Systems Integrator, Systems Programmer (mainframe and/or technical support ), Technical Specialist, Telecommunication usiness nalyst, Telecommunication Engineer, Web Developer, Web Graphic Designer, Webmaster, Workflow Engineer 1 If qualifies for, above, including meeting the degree or years job experience requirement, and also documents earned income of $75,000+ last two years 2 crete, Cement Finisher ductor (Music, Symphony, full time) 4 1. For the and upgradeable 4 computer occupations, the following are required: Salaried (W 2) employee (if not salaried, also see below) Degree in puter Science or usiness Information Systems or with 4 years job experience. (If no, call home office underwriter. Most will be, but no upgrade to 4). 2. If 4 in this section and duties are 90+% managerial, policy making and administrative (For 5 eligibility, see Corporate Executive) If otherwise meets above requirements for or 4 but is an independent contractor or otherwise not a salaried W 2 employee, the following are required: Working at current position a minimum of six months Occupational duties questionnaire Copy of employment contract Not working in home/residence. If working in home/residence, see Working in the Home/ Residence in Special Occupations Section following Occupation Classifications List. struction rchitect, Engineer (see rchitect or Engineer ) tractor (see tractor ) Draftsman, 4 year degree, $60,000+ earned income each of the past 2 years Draftsman, others Equipment Operator, Fabricator, Installer, Maintenance, Service, and select others (such as those installing, repairing, servicing, working in the following occupations, industries and/or with the following materials) ir Hammer Operator, laster, Erector, Explosives Handler, Steeplejack, Structural Iron Painter ridge, Dam, Lock, Structural Iron/Steel, Subway, Tunnel: Craneman, Foreman (supervising only ), Inspector Other worker Carpenter, Drywaller, ctrician, Painter (not more than two story ), Paperhanger, Pipefitter, Plumber, Roofer, Steamfitter; larm System, ir ditioning, lind and Window, Carpet, Floor, Heating, Sprinkler System, Tool and Die, Ventilation; rick, Cement, Plaster, Sheet Metal, Stucco, Marble, Tile, ne; Other Skilled Worker Curtain, Drape installer Pipeline struction and Maintenance, Powerline (see Energy Industries) Estimator, office duties only Other, no duties at heights, on roof, risk of falling, etc. (If other than above, see specific job/ activity such as Carpenter, Roofer, etc.) Inspector, Foreman, Superintendent, Supervisor No manual duties 20% or less manual duties More than 20% manual duties Surveyor sultant * 4 ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 7

8 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. tractor (Each must meet all requirements listed for each group) Group One 4 Owner/operator of current business three years, office not in home/residence, full time office staff, no manual duties, sales/administrative duties only, minimal on site inspection, no direct supervision of construction site work, employs full time workers or subcontractors year round, earned income $100,000 for each of last three years Group Two Owner/operator of current business three years, office not in home/residence, full time office staff, no manual duties, mostly sales/ administrative duties, some on site inspection, no direct supervision of construction site work, employs full time workers or subcontractors year round, earned income $75,000 for each of last three years Group Three Owner/operator of stable, financially sound business, office may be in home/residence, no manual duties, minimum 50% sales/ administrative duties, maximum 50% on site inspection or supervision, employs full time workers or subcontractors year round, earned income $50,000 for each of last three years Group Four Working tractor (see struction or specific trade industry ) troller, ptroller (see ank) valescent Home (see Services or se) venience re Employee, ager, Owner Cook, Chef Hotel, Restaurant (see Restaurant ) ar, Lounge, Tavern (see Liquor ) Copywriter, dvertising Coroner * Corporate Executive (see Executive) Corrections Officer Cosmetologist Counselor Government Employee * Masters Degree (MSW) Social Worker (LCSW) Other (not government employee) Courier (see Driver ) Court Reporter Crane Operator Credit gency Collector Inspector, Reporter ager, office duties only Credit ager, nalyst Credit Union (see ank) Crop Duster (see viation) Curator (Museum, rt Gallery ) Custodian (see uilding Services) Customs Inspector * Official Dairy Farm Worker (see griculture) Dairy products processing Inspector, Superintendent, Tester Skilled Worker Dancer Daycare Provider Four Year College Degree, not working in home/residence No College Degree, not working in home/residence Working in home/residence Day Trader, trading own account Dealer (see Casino) Deckhand (see Marine) Decorator, Interior, Designer (interior or industrial) office, consulting and sales only Delivery Person (see Driver ) Dental ssistant ** Dental Hygienist ** Dental Lab Technician Dentist ** (DDS or DMD) Dermatologist ** Design, Interior (see Decorator, Interior ) Designer Window Dresser, Painter, other (see struction) Detective lysis Technician ** (see Services) ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 8

9 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. mond Cutter, Polisher, Sales (see Jewelry ) Dietitian ssistant Dietitian Registered, not preparing food Preparing food Director, Radio and TV Disc Jockey, Radio Dishwasher (see Restaurant ) Dispatcher Disposal Industry (see itation) Distillery Worker (see Liquor Industry ) Diver, Diving ttendant (For pay or professional) Dockworker Checker, Foreman, Overseer Longshoreman, Skilled Machinery Operator, Stevedore, other Superintendent, Wharf Master Dog Catcher, nimal trol Officer Dog Groomer, Handler, Kennel Operator, Trainer Domestic Help (full time, not living on premises) utler, Cook, Gardener, Maid, Valet Chauffeur (see Driver ) Door, Window Installer Draftsman Dredge Operator (see Marine Industry ) Dressmaker (not working in home/residence) Driver, Delivery Person Heavy Equipment Operator Local and Route Sales akery, us, Dry Cleaning, Courier, Express Mail *, Florist, Grocery Items, Mobile Canteen, Parcel Delivery, Tow Truck, Vending Machine Items, Postal Service rmored Car, Cab, Limousine Service (full time), Liquor, Pizza, Newspaper, Taxi Long Distance and other us, Heavy ppliance Chauffeur, Explosives, Garbage, Hazardous Materials, Logging Truck, Moving and rage, ing Truck, Private Chauffeur, itation, Long Haul Truck Driving School dministration and sales only Instructor Dry Cleaner, Laundry Driver, Delivery, other (see Sales or Driver ) Proprietor, ager, Clerk, Seamstress, lteration Drug re (see Sales or Pharmacist ) Drywall Installer, Taper Economist (see ank) Editor Film Print (Newspaper, Magazine) Education 1 (also ) College, Graduate School, University cademic Dean, Department Head (PhD, $75,000+ earned income for last three years) Other Dean or Department Head cademic subjects, Music, Voice, other non athletics Coach, Dance Instructor Student, some professions only (see Students and New Professionals in Special Occupations Section following Occupation Classifications List ) mentary or High School, with, S, Es or higher cademic subjects, Counselor, Music, Voice Coach, Cooking, Dance, Driving, Industrial rts, sical Education Principal, School District Superintendent Teacher of music, art or academics, in home/residence, full time only, salaried or self employed Teacher, exercise, aerobics, martial arts, other in home/residence not in home/residence (see Sports) ctrical ppliance Repairs (see ppliance) ctrician 1. Determine if employee has other disability insurance or disability retirement insurance. 5 4 ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 9

10 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. ctrologist (not working in home/residence) vator Installation, Service Embalmer (see Funeral Industry ) Embryologist ** (PhD or MD) Endocrinologist ** Emergency Technician ** Emergency Room sician ** Energy Industries (struction, Generation, Distribution, Discovery ) ctric and/or Nuclear Powerhouse, Substations: Direct trol Operator, ctrician, Inspector, Tester, Transformer Operator, Wireman, Other Skilled Worker Foreman, Generator and Turbine Tender, Stationary Engineer Remote trol Switchboard Operator, Superintendent Power Line struction, Maintenance: Foreman, Groundsman, Inspector, Installer (not structural steel worker ), Linesman, Transmission Tower Erection, other Oil and Natural Gas (Drilling, Production, and Pipeline) Onshore: Operator or Producer (office only ) Superintendent, ager, Geologist lacksmith, Craneman, Foreman, Driller, Inspector, Motorman, Pumpman, Stationary or other Engineer, Tool Pusher, Trench Machine Operator Other Offshore Refineries (see ufacturing) Engineer Professional degree, office and consulting duties only Field and laboratory duties, 20% or less 5 4 Field and laboratory duties, more than 20% ording or Sound Engineer Engraver Escrow Officer (see ank) Estheticians Estimator Office duties only Other, no duties at heights, on roofs, risk of falling, etc Other than above (see specific job/activity such as carpenter, roofer, etc.) Etcher Executive 2 Group One Document earned income of $40,000+ for the last two years. Group Two 4 Document earned income of $50,000+ for the last two years. Five or more full time, year round employees in the firm. Group Three Three years in same occupation. Document earned income of $60,000 for the last two years. Five or more full time, year round employees in the firm. Executive ruiter Exercise Instructor (see Sports) Explosives Handler Exporter, Importer Express Mail Delivery (see Driver ) Exterminator, Fumigator Eyeglasses (see Optical Services) Factory Worker (see ufacturing) Family Practice or Family Medicine ** (MD) Farmer (see griculture) Farrier (Horseshoer ) Fashion Designer Fashion Model Federal Marshall 5 2. agerial, administrative, policy making employee of a well established company. Occupation not classified elsewhere in this guide. ll must meet the following requirements plus any listed for a group: No manual duties. Duties are in an office, administrative and managerial only. Income requirements apply as noted in Group One, Two and Three above. ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 10

11 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. ce Installer Ferryboat Captain, Deckhand (see Marine Industry ) Film Developer, Processor Film Editor Financial sultant (see ckbroker ) Fire larm Install, Service Firefighter Municipal, State, Federal Private Industry Fire Marshall Fish and Game Warden (see Park Services) Fisherman Fish Hatchery, private, not governmental (see griculture) Fish Processing Plant Foreman, ager, Superintendent (supervising only ) Process Worker, Skilled Worker Fish Processing Ship Fitness Instructor, Trainer (see Sports) Flight ttendant Flight Instructor Floor Finisher, der Floor Trader, cks, onds, modities (see ckbroker ) Floral rranger, Designer, no delivery Florist Driver, delivery (see Driver ) Retail duties only Foreign Correspondent Forest Ranger (see Park Services) Foster Home Care, working in home/residence Fumigator (see Exterminator ) Funeral Industry, Cemetery Cemetery ager, office only Cemetery Worker, Caretaker Embalming, Monument or ne Cutter Funeral Director, Mortician (no embalming) Furnace Installation, Service Furniture Designer Mover (see Driver ) Restorer, Upholster Sales (see Sales) Gambling, Gaming Industry (see Casino) Game Warden (see Park Services) Garage utomotive or other vehicle sales or service (see utomotive) Parking Garage (see utomotive) Garbage Collector ycler (see itation) Driver (see Driver ) Other Gardener (see Landscaping) Gas Station ttendant Gastroenterologist ** Gem Cutter, Polisher (see Jewelry ) General Practitioner ** (MD) Geneticist ** (MD) Geologist (see Chemist ) Glazier Goldsmith (see Jewelry ) Golf Course ager (see Sports) Golf Instructor, not touring pro (see Sports) Government Employee Graphic Designer (see rtist ) Greenskeeper (see Landscaping) Grocery re (see Sales) Groundskeeper (see Landscaping) Guidance Counselor (see Counselor or Education) Guide Fishing, Hunting Tour, Travel (within US, not international) Gunsmith Gynecologist ** Hairdresser, Hairstylist (if working in home/residence ) ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 11

12 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. bor Master (see Marine Industry ) Hearing id Technician Heating, ir ditioning, Ventilation dministrative and/or sales only (see Sales) Install, repair, service or removal Helicopter Mechanic (see viation) Helicopter Pilot (see viation) Hematologist *** Hod Carrier Horse Training, Shoeing Hospital dministrator Hospital Orderly, ide, ttendant Hotel, Motel ellhop, Cleaner, Housekeeper, Porter Clerk ager, office only, non resident, $50,000+ earned income ager, others agers with maintenance duties Human Resources or Personnel ager or ruiter Hypnotherapist, Hypnotist, not working in home/residence Illustrator (see rtist ) (if nimator ) Immigration Official * Immunologist ** Importer, Exporter Incinerator Plant (see itation) Industrial Engineer (see Engineer ) Inhalation Therapist Insurance djustor (see Claims djustor ) Insurance erwriter, office only Insurance Producer (Life, Disability, P&C or other lines) (see Insurance Producer in Special Occupations Section following Occupation Classifications List ) Interior Decorator (see Decorator ) Interior Designer (see Decorator ) Internal Revenue gent * 4 Internist ** (MD) Interpreter For Hearing Impaired Language Translator Investigator (Private), Detective Investment nalyst, roker, sultant (see ckbroker ) Investor, trading own account Jailer Janitor (see uilding Services) Jewelry Gem/mond Cutter, Goldsmith, Polisher, Silversmith Inside Sales Jewelry Repair Owner, ager Jockey Journalist (see Newspaper ) Judge (cted Judges ) Judo Instructor or other Martial rts Junk, Used Parts Dealer (see Used Parts) Karate Instructor or other Martial rts Kennel Operator Key Maker Kidney lysis Technician ** Labor Union Organizer, Official Landscaping rchitect, registered.i.., not supervising construction Gardener, Greenskeeper, Groundskeeper, Laborer, Landscaper, Lawn Service Owner, supervising only Working Owner, with three or more full time, year round employees Other Owner Laundry Worker (see Dry Cleaner or Services) Law Enforcement Lawn Service (see Landscaping) Lawyer Leasing, Rental pany (see Rental or Leasing) ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 12

13 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. al Stenographer al Transcriber Library Head Librarian Other Librarian, Librarian ssistant Lighting Designer, Technician Limousine Service Driver, full time (see Driver ) Office worker, Owner (not driving) Lineman, ctrical, Telephone Liquor Industry Distribution and Wholesale Sales Delivery, Driver (see Driver ) Warehouseman Distributor, Representative, Sales, no delivery ager, Proprietor, office only Superintendent, Supervisor ufacture (rewery, Distillery, Winery ) rewmaster, Examiner, Inspector, Superintendent, Winemaker Collector, Cooker, Distiller, Foreman, Labeler, Packer, Sales, Stillman, Yeastmaker Laborer ager, office only Other Skilled Worker Regulation: Officer, Public Worker, Regulator (see specific job/activity ) Retail Sales Liquor Sales Primary (Tavern, ar, Lounge): Proprietor, ager, artender Other Proprietor, ll other workers Cashier, Chef, Cook (highest grade only ) artender, Waiter, Waitress, Other Cook, Chef ager, Proprietor (not tending bar ) ager, Proprietor (tending bar ) Retail re Owner Other Worker Literary gent Lithographer (see Printing) Livestock Horseshoer (Farrier ) ckyard Employee: uctioneer, Inspector, Weigher uyer, mission roker, Dealer, Sales, Superintendent Cowboy, Shearer, Yardman, Other Shipper Veterinarian (see Veterinarian) Loan Officer (see ank) Lobbyist, Office and sulting Location ager Locksmith Logging, Lumber and Related Occupations Lumberyard or Mill oomman, Dogger, Driver, Log Setter, Slipman Foreman, Grader, Inspector, Machine Setter, Marker, Saw Filer, Scaler, Tallyman Loader, Sawyer, Other Skilled Worker In Woods or Transporting to Mill laster, ucker, Choker Setter, Driver, Faller, High Climber oommaster, Foreman, Head Rigger, Heavy Equipment Operator, Overseer Clerk, tractor, Inspector, Machine Shop Worker, Scaler, Surveyor, Tallyman, Timber Cruiser Not in Woods tractor, Proprietor, Superintendent Longshoreman, Stevedore (see Dockworker ) Machine Shop, Machinist, Machine Operator, Skilled Worker Magistrate * Mail Carrier (see Postal Services) Mail Clerk, Sorter (not U.S. Postal Service) Makeup rtist agement sultant * ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 13

14 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. icurist ufacturing ssembler, oilermaker, Carpenter, Craneman, ctrician, Fireman, Glazer, Grinder, Molder, eiving Clerk, Shipping, Welder Chemist (see Chemist ) Cleaner, Laborer, Sweeper, Unskilled Worker, Yardman Designer, Draftsman Executive (see Executive) Foreman (supervision only ), Inspector, Lab Technician, ager, Timekeeper, Superintendent, Supervisor Machinist, Skilled Machine Operator, Working Foreman Professional Engineer (see Engineer ) Marine Industry bor Master * (government employee) Land or bor (returning ashore daily, not government employee) ar Pilot, Dredge Officer, Ferry oat Captain, bor Pilot, River Pilot Dredge Crewman, Dredge Operator, Lightship Service Operator arges, Ocean Going Ships, Tugs, Others not returning to shore daily Crewmen, Deckhand, Lightship Service, Merchant Seaman, Officer or Crew, Seaman, Wrecking/Salvage, Other Marina ager, Owner Other Skilled Worker Market Research nalyst, office only Martial rts Instructor or other in Martial rts Marshall, Federal or other Mason, ricklayer Massage Therapist Licensed Massage Therapist (Owner, Operator, income $30,000+) Licensed Massage Therapist employed by above Other Meat Cutting, utchering, Packing Foreman, ager, Superintendent utcher, Dressing Operations, Inspector (not government employee), Meat Cutter, Packer, Shipping Clerk, Skilled Process Worker Mechanic Mechanical Engineer (see Engineer ) Services General cupuncturist ** (MD) cupuncturist (not MD) ** llergist ** nesthesiologist ** (MD) nesthetist/crn (not MD, certified, working full time as anesthetist ) ** Cardiologist ** Chiropractor Dermatologist ** lysis Technician ** Embryologist ** (MD or PhD) Emergency Technician ** Emergency Room sician ** Endocrinologist ** Family Medicine or Family Practitioner ** (MD or DO) Gastroenterologist ** General Practitioner ** (MD or DO) Geneticist ** (MD or PhD) Gynecologist ** Hematologist ** Hospitalist ** Immunologist ** Internist ** ssistant in medical office Clerk ords Clerk Lab Technician Lab Worker Midwife (see se) Naturopathic sician Neonatologist ** (MD) Nephrologist ** (no surgery 1 ) Neurologist ** (no surgery 1 ) Neuro Otologist ** (no surgery 1 ) 1. if performing surgery. ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 14

15 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. Med Nuclear Medicine ** (MD) se, various types (see se) Obstetrician ** Occupational Medicine ** (MD or DO) Oncologist ** Ophthalmologist ** performing invasive procedures not performing invasive procedures Optician (see Optical Services) Orthopedist ** Osteopath ** Otolaryngologist ** (ear nose throat ) Otologist ** Otologist (not MD) Paramedic ** Pathologist ** Pediatrician ** Perfusionist ** Phlebotomist ** siatrist/sical Medicine/ Rehabilitation ** (MD or DO) sician ssistant ** (licensed) Plastic Surgeon ** Podiatrist ** /Chiropodist ** (not eligible for Own Occ) Proctologist ** Professional Technologist ** (achelor s Degree) Psychiatrist Pulmonologist ** Radiologist ** Rheumatologist ** Surgeon ** (board certified) Surgical Technician ** Thoracic Surgeon ** Therapist (not MD): Inhalation Occupational sical siotherapist Rehabilitation Respiratory sical Therapy ssistant Speech Urologist ** Hospital; ssisted Care, valescent, sing or Retirement Home dministrator, office only, income $60,000+ Other administrator, office only ttendant, Chef, Cook, Kitchen, Laundry worker, se s ide, Orderly Dietitian (registered, not preparing food), ager, Superintendent (administrative only ) Dietitian ssistant, Dietitian (preparing food) ords Clerk, Secretary se or ses ide, various types (see se) Ultrasound and X Ray technician: Four year degree Two year degree Dental Dentist (non-specialty) or Oral Surgeon ** : DDS or DMD, eligible for Own Occ MD or DO, eligible for Own Occ DDS or DMD plus MD or DO, eligible for Own Occ Dentist Specialties ** (DDS or DMD) eligible for Own Occ: Exodontist Orthodontist Pedodontist Periodontist Prosthodontist other Dentist Specialties Dental Lab Owner Dental Hygienist ** Dental Lab Worker ords Clerk Oral Hygienist ** Dental ssistant Merchant Seaman Meteorologist (if on air ) Field and office work Office duties only Microphone oom Operator Midwife (see se) Military Personnel 4 ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 15

16 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. ing Industry erground es ssayer, Chemist, ager, Metallurgist, Superintendent, Surveyor: Not going underground erground no more than six hours per week Explosives handler, other, or underground more than six hours per week Professional Engineer (see Engineer ) Open Pit, Other Surface Operations ssayer, Chemist, ager, Metallurgist, Superintendent: Office only Outside duties Explosives Handler, Other Foreman, Clerk, Weigher Professional Engineer (see Engineer ) Surveyor Heavy Equipment Operator Truck Driver (see Driver ) ister Model, Photographic, Fashion Monument Worker, ne Cutter (see Funeral Industry ) Mortgage anker (see ank) Mortgage roker (see Real Estate) Mortgage Clerk (see ank) Mortician (see Funeral Industry ) Motel ager, Clerk (see Hotel) Moving and rage pany, Warehouse Checker, Foreman (not handling) Checker (handling) Driver (see Driver ) Packer, Security Guard, Other Munitions Handler Musical Instrument Repair Musician Symphony ductor, full time Teacher, full time, in home or residence (see Education) Other Nanny Natural Gas Industry Workers (see Energy Industries) Naturopathic sician Navigator (Marine, irline) Neonatologist ** Nephrologist ** (no surgery ) Neurologist ** (no surgery ) Neuro Otologist ** (no surgery ) Newspaper, Radio, TV Industry (see Printing, also ) dvertising, usiness or Circulation ager, Editor, Rewriter Correspondent, Journalist, Newscaster, Photographer, Proofreader, Reporter Driver, Delivery (see Driver ) Foreign Correspondent Other Nuclear Medicine ** (MD) Nuclear Power Plant (see Energy Industries) se 1 Certified se s ide (CN), se s ide, Orderly Licensed (RNs, LPNs and LVNs) Licensed Practical/Vocational se (LPN or LVN) sing Director ** (RN), sing Instructor ** (RN), Registered se ** (RN) Masters Degree Certified RN sing Specialties (and not working as floor nurse or providing primary patient care) Certified se Practitioner ** Clinical se Specialist ** Health Care dministrator ** se dministrator/se ager ** Certified se Midwife ** Certified Registered se nesthetist ** (CRN) working full time as nesthetist Midwife ** Licensed, RN, employed by hospital or other medical facility Not RN 1. Not working in home/residence or a home health care environment. ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 16

17 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. seryman (see griculture) sing Home (see Services or se) Obstetrician ** Occupational Therapist Office Machine Repair Office Worker or Office ager Earning more than $30,000 Earning more than $50,000 Others Oil and Natural Gas Workers (see Energy Industries) Oncologist ** Operator (Telephone, Switchboard) Ophthalmologist ** Optical Services, Eyeglasses Optician, with all duties Optician, dispensing only Shopworker, grinding, other Optometrist Oral Hygienist ** Oral Surgeon ** Orderly Hospital, nursing, retirement or convalescent facility Orthodontist ** Orthopedist ** Orthotics, Prosthetics uilder, Repairer 4 5 Orthotist, Prosthetist, consulting, fitting, sales Osteopath ** Otolaryngologist ** ear nose throat Otologist ** (MD) Otologist (not MD) Painter, in shop or not more than two story height Paperhanger Paralegal Certified, income $30,000+ Certified, other Paramedic ** Parking Lot, Garage (see utomotive) Park Services dministrative Workers Park/Forest Ranger Superintendent/Game Warden, office duties only Superintendent/Game Warden, with field duties Others or with maintenance duties Parole Officer Parts Clerk Pastor Pathologist ** Pawn Shop, Owner Other Worker Pediatrician ** Pedodontist ** Perfusionist ** Periodontist ** Personal Trainer (see Sports) Personnel/Human Resources ager, ruiter Pest trol (see Exterminator ) Pet Groomer, Handler, Kennel Operator, Trainer (see Dog Groomer ) Pharmaceutical Representative, Detailer (see Sales) Pharmacist Pharmacy Technician Phlebotomist ** Photoengraver Photographer mercial, Newspaper, Studio Freelance, minimum three years in business erial siatrist ** (MD) sical Medicine/Rehabilitation or siatrist ** (MD or DO) sician ** (MD or DO) sician ssistant ** (licensed) 5 ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 17

18 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. sicist (see Chemist ) Program Director siologist (see Chemist ) siotherapist Piano Tuner, Technician Picture Framer Pilot, commercial (see viation) Pipefitter Pit oss, (see Casino) Plasterer Plastic Surgeon ** Plumber Podiatrist/Chiropodist ** Police Officer, Inspector, Chief, Detective Porter Postal Service dministrative Duties, Supervisor Counter Clerk Driver, Rural Delivery (see Driver ) Postmaster Powerhouse Worker (see Energy Industries) Preacher Priest Principal (see Education) Prison Warden Private Detective, Investigator Printing, Publishing lueprint Maker, ookbinder, Foreman, Photostatter Editor, Proofreader, Publisher Lithography, Photoengraving, Printing: rtist puter or Office Machine Operator, Engraver, Etcher, Finisher, Lithographer, Photographer, Printer, Proofer, Stripper positor, ctrotyper, Jobber, Linotype Operator, Maintenance Mechanic, Press Operator, Router, Typesetter Probation Officer Proctologist ** Producer Professor (see Education) Program ssistant Projectionist Property ager Maintenance or repair duties Office only, $50,000 + earned income Other, office only Propman Prosthetist, Orthotist (see Orthotics) Prosthodontist ** Psychiatrist (MD) Psychologist PhD Other Publicity gent Publisher, Publishing (see Printing) Pulmonologist ** Purchasing gent Quarry Worker (see ing Industry Open Pit, Other Surface Operations) Quartermaster Rabbi Radio, TV nnouncer Radiologist ** Radio Repair Radio Station, ager or Other (see Newspaper ) Railroad Worker Rancher (see griculture) Ranger, Park Superintendent (see Park Services) Real Estate gent, ppraiser, Developer, Mortgage roker In business continuously for last three years, documented earned income $75,000+ each of last three years Not meeting above requirements Inspector, Home or uilding Visual Only Other Escrow Officer, Mortgage anker, Searcher, Title bstractor (see ank) 4 ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 18

19 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. eiving/shipping Clerk (see Clerk or specific industry ) eptionist ording Engineer ording Production ruiter, Personnel, Human Resources ager ycling Industry (see itation) Reducing Salon ttendant, other ager, office/supervision Referee, Umpire (see Sports) Refinery Worker (see ufacturing) Rehabilitation/sical Medicine or siatrist ** (MD or DO) Rehabilitation Therapist Rental and Leasing Owner, Office Worker, office only Other, lightweight articles only Other, heavy articles and/or Service, Repair Other Reporter (Magazine, Newspaper, TV) (see Newspaper ) Respiratory Therapist (see Services) Restaurant usboy, Checkroom ttendant, Dishwasher Chef, $50,000+ income Chef, less than $50,000 income Cook (best grade) Cook, other Owner, ager Office and supervisory only, 15+ employees, $75,000+ income est quality, 10+ employees, in business three or more years, $50,000+ income Other Owner, Proprietor, ager, Cashier Waiter, Waitress Other (see Liquor ) Retail Sales (see Sales) Retirement Home (see Services or se) Revenue gent * Rheumatologist ** Roofer Rug, Carpet Cleaner Sales, Retail and Wholesale (If applicable, instead see utomotive Trailer or RV Sales; Liquor Industry, Real Estate, dvertising, roker, uyer, Import/ Export, Insurance, Producer, Jewelry, ckbroker ) Inside ager, Owner (office, supervision, administrative only ): With full time sales staff, minimum three years in management/ownership position, income $75,000+ With full time sales staff, minimum three years in management/ownership position, income $50,000+ Other ager, Owner (office, supervision only ) Salesperson, income $75,000+ Salesperson, income $85,000+ for last three years Salesperson, ager, Owner (with sales duties, no delivery, income $40,000+) Other ager, Owner, Salesperson (sales duties, no delivery ) Other ager, Owner, Salesperson (delivering) (see Driver ) Telemarketer, full time, not working in home/residence Outside Delivering (see Driver ) No delivery No delivery, income $50,000+ No delivery, income $75,000+ No delivery, income $85,000+ for last three years Home demonstration sales der, Floor ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 19

20 * Please contact your Standard Insurance pany underwriter or underwriting assistant. ** lood profile and Home Office Specimen required for any amount. itation, Disposal and Incinerator Plant, Garbage, Landfill, ycling Chemist (see Chemist ) Collector, Other Foreman, Inspector, Scrap/Salvage Metal Dealer, without yard duties Maintenance, Mechanic, Skilled Worker Trucker (see Driver ) Savings and Loan (see ank) Scenery Mover, Stage Hand, Grip Scenic rtist, Designer School District Superintendent (see Education) School Teacher (see Education) Scientist (see Chemist ) Scrap Metal Dealer (see itation) Screenwriter Script Supervisor Scriptwriter Sculptor Seamstress not working in home/residence Secretary Earning $30,000+ Others Securities Industry (see ckbroker ) Security Guard Not carrying firearm Other Service Station ttendant (see utomotive) Set Designer Sheet Metal Worker Sheriff Ship Captain, Crew (see Marine Industry ) Shipping/eiving Clerk (see Clerk or specific industry ) Shoe Repair Owner, Other Worker Sign Painter, not over two story height Silversmith (see Jewelry ) Singer Small ppliance Repair (see ppliance) Social Worker Masters Degree (MSW) Other Sound Mixer, Technician Speech Therapist Sports, musements, musement Park, rcade ll employees, thletics (no travel) erobics, thletics, Exercise Professional: thlete, Coach, ager, Owner, Referee, Trainer, Umpire Non Professional: erobics/exercise Instructor, full time at health club Coach (see Education) Personal Trainer, full time at health club Martial rts illiards, owling, Pool Hall ager, Cashier Driving Range, Exercise Club, Golf, Health Spa, Racket, Tennis Greenskeeper ager, office administrative duties only ager, Other Resident Pro (not on tour ), Instructor, full time Racing Horse, Dog ager, no riding Jockey, Trainer, Other Sprinkler/Irrigation System Installer Stable Worker Stage Hand Stage ager Steamfitter Steeplejack Stenographer Stevedore, Longshoreman (see Dockworker ) ck Clerk (see Clerk or Sales or specific industry ) ckyard (see Livestock) ca nt ag ut FOR PRODUCER USE ONLY T FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. ll benefits and riders are subject to 20