Transamerica. Underwriting Guide

Transcription

1 Transamerica Underwriting Guide

2 Tips for Underwriting Did you know on-medical does not mean guaranteed issue. Applications are subject to MIB and medical history. Additional underwriting requirements, such as a telephone interview (PHI), an attending physician s statement (APS), paramed, blood, urine specimen and/or others may be requested. An application is valid for 90 days. While we will generally require a statement of good health to be signed on delivery if the application is between 90 and 180 days old, a new application may be requested at the Underwriter s or ew Business Representative s discretion. If the proposed insured is a juvenile a parent/legal guardian signature is required. If the legal guardian is not a parent proof of guardianship may be requested at the Underwriter s discretion. An agent may be charged for ordering unnecessary paramed requirements. Please refer to your agent guide for standard age/volume medical requirements. Faxed Applications are acceptable: Applications can also be ed. See Agentnetinfo.com for instructions on how to documents. How to Speed up Underwriting: Double check your applications for missed questions. Commonly missed information: Complete and accurate doctor information: full name, dates seen, reason, city and phone # Tobacco use HIV question Insurance in force (Life/DI) Beneficiary relationship Child/Additional insured information including height and weight We may need a PHI please provide best times/numbers to call client and any special language needs. Give us the following information on all medical conditions. 1. Date of diagnosis 2. Past and current treatment, including medication 3. Follow-up information a) All doctors seen b) Last time seen c) Current status (readings, last attack, etc ) 4. Various questionnaires are available on (AI) Agent et Info to assist in collecting the information needed to categorize a given risk/impairment. Use of these questionnaires will reduce the number of PHI s and APS s. Put legible policy number on all correspondence/fax s

3 Table of Contents Term & Universal Life Underwriting Requirements Chart... 4 Underwriting Criteria... 6 Height & Weight Chart... 8 Simplified Issue Term Underwriting Requirements Chart Underwriting Criteria Height & Weight Chart General Financial Guidelines Underwriting Policies & Procedures Medical Impairments & Questionnaires Uninsurable Risks and Highly Substandard Risks Underwriting Conditions Disability Income Rider Occupation Listing

4 Trendsetter Super Series Underwriting Requirements Face Amount $ 25,000- $ 50, to to to to to to 80 M M M M MVR MVR $ 50,001- $ 75,000 M M M MVR* MVR MVR Underwriting Requirements $ 75,001- $ 99,999 $ 100,000- $ 250,000 $ 250,001- $ 500,000 $ 500,001- $ 1,000,000 $ 1,000,001- $ 2,000,000 M M M MVR* MVR MVR MVR MVR MVR* MVR* MVR* MVR MVR* MVR* EKG MVR* EKG MVR MVR* EKG MVR* EKG MVR* EKG MVR PFS MVR EKG MVR CS EKG MVR CS EKG MVR CS PFS EKG MVR CS PFS MVR EKG MVR CS EKG MVR CS EKG MVR CS PFS Medical EKG MVR CS PFS $ 2,000,001- $ 3,500,000 MVR EKG MVR EKG MVR EKG MVR PFS EKG MVR CS PFS Medical EKG MVR CS PFS $ 3,500,001- $ 5,000,000 1 MVR EKG MVR EKG MVR EKG MVR PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS $ 5,000,001- $10,000,000 1 ABC HOS MVR PFS EKG MVR PFS EKG MVR PFS EKG MVR PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS $10,000,001 and up Medical EKG MVR IR PFS Medical EKG MVR IR PFS Medical TRD- EKG MVR IR PFS Medical TRD-EKG MVR IR PFS Medical EKG MVR CS IR PFS Medical EKG MVR CS IR PFS 1 Electronic Inspection Report ordered by the Home Office required. Please refer to Product Guides to verify available face amounts for specific product. Transamerica reserves the right to request other evidence of insurability as it deems necessary. M = on-medical = Exam Medical = Medical Exam by a physician, must be arranged through an approved ical Company ABC = Abbreviated Blood Chemistry HOS = Home Office Specimen (urine) EKG = Resting Electrocardiogram - interpretation to be done by HO (Home Office) TRD = Treadmill Electrocardiogram - interpretation to be done by HO MVR = Motor Vehicle Report (ordered by HO) MVR* = Ordered at HO discretion IR = Inspection Report (ordered by HO) CS = Cognitive Screen (ordered by HO) PFS = Personal Financial Statement HO = Refer to Home Office 4

5 TransACE, TransACE CV and TransACE Survivor Products Underwriting Requirements Face Amount $ 25,000- $ 50,000 M Issue Age 0 to to to to to to to and up MVR MVR* MVR* MVR* MVR MVR Medical EKG MVR $ 50,001- $ 75,000 M MVR MVR* MVR* MVR* MVR MVR Medical EKG MVR $ 75,001- $ 99,999 $ 100,000- $ 250,000 $ 250,001- $ 500,000 $ 500,001- $ 1,000,000 $ 1,000,001- $ 2,000,000 M M M HO HO MVR MVR MVR MVR MVR MVR* MVR* MVR* MVR* MVR MVR* MVR* MVR* EKG MVR* EKG MVR MVR* MVR* EKG MVR* EKG MVR* EKG MVR PFS MVR EKG MVR CS EKG MVR CS EKG MVR CS PFS EKG MVR CS PFS MVR EKG MVR CS EKG MVR CS EKG MVR CS PFS Medical EKG MVR CS PFS Medical EKG MVR Medical EKG MVR CS Medical EKG MVR CS Medical EKG MVR CS PFS Medical EKG MVR CS PFS Underwriting Requirements $ 2,000,001- $ 3,500,000 HO MVR EKG MVR EKG MVR EKG MVR PFS EKG MVR CS PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS $ 3,500,001- $ 5,000,000 1 HO MVR EKG MVR EKG MVR EKG MVR PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS $ 5,000,001- $10,000,000 1 HO ABC HOS MVR PFS EKG MVR PFS EKG MVR PFS EKG MVR PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS Medical EKG MVR CS PFS $10,000,001 and up HO Medical EKG MVR IR PFS Medical EKG MVR IR PFS Medical TRD- EKG MVR IR PFS Medical TRD-EKG MVR IR PFS Medical EKG MVR CS IR PFS Medical EKG MVR CS IR PFS Medical EKG MVR CS IR PFS 1 Electronic Inspection Report ordered by the Home Office required. Please refer to Product Guides to verify available face amounts for specific product. Transamerica reserves the right to request other evidence of insurability as it deems necessary. M = on-medical = Exam Medical = Medical Exam by a physician, must be arranged through an approved ical Company ABC = Abbreviated Blood Chemistry HOS = Home Office Specimen (urine) EKG = Resting Electrocardiogram - interpretation to be done by HO (Home Office) TRD = Treadmill Electrocardiogram - interpretation to be done by HO MVR = Motor Vehicle Report (ordered by HO) MVR* = Ordered at HO discretion IR = Inspection Report (ordered by HO) CS = Cognitive Screen (ordered by HO) PFS = Personal Financial Statement HO = Refer to Home Office 5

6 Trendsetter Super Series, TransACE, TransACE CV and TransACE Survivor Products Underwriting Criteria Preferred Plus (Term) & Select (UL) Preferred on-smoker Plus (Term) on-smoker Preferred Smoker Smoker Tobacco Usage one in the past 5 years one in the past 2 years one in the past 2 years one in the past 2 years Tobacco permitted Tobacco permitted Incidental Cigar Usage Cholesterol With or without treatment Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Permitted Cholesterol * 260 * Permitted Underwriting Criteria Chol / HDL 5.0 for ages < for ages 71+ Blood Pressure 135/85 through age /85 for ages 71+ Treatment Through age 49: Without treatment Ages 50-80: With treatment, as long as readings fit criteria above Ages 81+: Without treatment Family History Includes coronary artery disease and the following cancers**: Breast Ovarian Prostate Colon Lung Melanoma Personal History Driving History DUI / Reckless MVR - Major Violations MVR - Minor o family deaths before age 65 of either parent or sibling. Disregard if PI is age 65 or older. o heart or vascular disease, diabetes, or cancer (except some skin cancers) o more than 1 major violation in the last 3 yrs and OE in the last 12 months 5.5 for ages < for ages /85 through age /90 for ages 71+ With or without treatment o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. o heart or vascular disease, diabetes, or cancer (except some skin cancers) one in past 5 years 6.2 for ages for ages /88 through age /88 for ages 71+ With or without treatment o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. o heart or vascular disease, diabetes, or cancer (except some skin cancers) 7.0 for ages < for ages 71+ * * * * o ratable impairments o more than 1 major violation in last 3 yrs * o more than 3 minor moving violations within the last 3 yrs * * 5.5 for ages < for ages /85 through age /90 for ages 71+ With or without treatment o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. o heart or vascular disease, diabetes, or cancer (except some skin cancers) one in past 5 years 7.0 for ages < for ages 71+ * * * * o ratable impairments o more than 1 major violation in last 3 yrs * o more than 3 minor moving violations within the last 3 yrs * * *Individual consideration on a case by case basis - may or may not be eligible **Some gender specific cancers may qualify for preferred rates 6

7 Private Aviation 1 Avocation (Hazardous) Alcohol / Substance Abuse Citizenship / Residence Foreign Travel (Unsafe) Military Trendsetter Super Series, TransACE, TransACE CV and TransACE Survivor Products Underwriting Criteria Preferred Plus (Term) & Select (UL) Available with Aviation Exclusion Rider - ot Available for ages 71+ o participation in activities listed below 2 o history or treatment at any time Preferred on-smoker Preferred can be offered with or without ratable aviation o participation in activities listed below 2 o history or treatment at any time Plus (Term) on-smoker Preferred Smoker Available as qualifies Available as qualifies Preferred can be offered with or without ratable aviation o participation in activities listed below 2 o history or treatment in the past 10 years o participation in activities listed below, if ratable 2 o history or treatment in the past 7 years o participation in activities listed below 2 o history or treatment at any time Smoker Available as qualifies o participation in activities listed below, if ratable 2 o history or treatment in the past 7 years US citizen or legal permanent resident/green card residing in the US - all others contact Underwriting for individual consideration. o traveling to dangerous areas of the world where the State Department has issued travel advisories 3 Active military duty is acceptable provided the proposed insured is not serving in a hazardous area or does not have orders to serve in a hazardous area. 4 1 Private Aviation: An Aviation Exclusion Rider (AER) is not available on joint life applications. 2 Avocation:Prohibited activities involving aeronautics (e.g. hang-gliding, ultralight, soaring, skydiving, ballooning, etc.), power racing, competitive vehicles, mountain climbing, rodeos, competitive skiing or scuba/skin diving at a depth greater than 75 feet. 3 Foreign Travel: Unless otherwise prohibited by statute. 4 Military: Unless otherwise prohibited by statute. Underwriting Criteria 7

8 Trendsetter Super Series, TransACE, TransACE CV and TransACE Survivor Products Height & Weight Chart Male (Up to Age 70) Male (Age 71+) Height & Weight Charts Select & Preferred Plus Preferred Plus Select & Preferred Plus Preferred Plus

9 Trendsetter Super Series, TransACE, TransACE CV and TransACE Survivor Products Height & Weight Chart Female (Up to Age 70) Female (Age 71+) Select & Preferred Plus Preferred Plus Select & Preferred Plus Preferred Plus Height & Weight Charts 9

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11 Trendsetter Express Series & Trendsetter LB Series Underwriting Requirements Available Risk Classes: S/S and Express S/S Band 1 Band 2 18 to to to to to 80 $ 25,000- M 1 M 1 M 1 /A /A $ 99,999 MVR PHI 2 MVR PHI 2 MVR PHI 2 $ 100,000- $ 249,999 M 1 MVR PHI 2 APS 2 M 1 MVR PHI 2 APS 2 M 1 MVR PHI 2 APS 2 BCP HOS MVR 2 APS 2 Policies underwritten as Tables 1-4 (A-D) will be issued as Express Class (S/S) with out an explicit table rating BCP HOS ECG MVR CS APS 2 Policies underwritten as Tables 5-8 (E-H) will be issued as Class (S/S) plus the appropriate table extra rating (25% of base rate per table) Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. Band 2 Band 3 Band 4 $ 100,000- $ 249,999 Available Risk Classes: Preferred Plus, Plus, Preferred (S/S) and (S/S) 18 to to to to to 80 $ 250,000- BCP HOS MVR BCP HOS MVR 2 BCP HOS MVR 2 BCP HOS $ 499,999 ECG MVR 2 $ 500,000- $ 999,999 BCP HOS MVR APS 2 Available Risk Classes: Preferred Choice 18 to to to to to 80 BCP HOS MVR 2 APS 2 BCP HOS MVR 2 APS 2 BCP HOS MVR BCP HOS MVR 2 BCP HOS ECG MVR 2 BCP HOS MVR 2 APS 2 BCP HOS ECG MVR 2 BCP HOS ECG MVR CS APS 2 BCP HOS ECG CS PFS MVR BCP HOS ECG CS PFS MVR Trendsetter Express Series & Trendsetter LB Series 1 onmed application (Part 2) and HIPPA notice required. Script check will be obtained by Home Office. 2 Ordered at Home Office discretion Please refer to Product Guides to verify available face amounts for specific product. Transamerica reserves the right to request other evidence of insurability as it deems necessary. M = on-medical = Exam HOS = Home Office Specimen (urine) ABC = Abbreviated Blood Chemistry ECG = Resting electrocardiogram - interpretation to be done by Ho (Home office) BCP MVR CS PFS HO = Blood Chemistry Profile = Motor Vehicle Report (ordered by HO) = Cognitive Screen (ordered by HO) = Personal Financial Statement = Refer to Home Office 11

12 Trendsetter Express & Trendsetter LB Series Underwriting Criteria Preferred Plus Preferred on-smoker Plus Preferred Choice (Band 2 only) onmed & Express on-smoker onsmoker Preferred Smoker onmed & Express Smoker Smoker Tobacco Usage one in the past 5 years one in the past 2 years one in the past 2 years one in the past 3 years one in the past year one in the past 2 years Tobacco permitted Tobacco permitted Tobacco permitted Underwriting Criteria Incidental Cigar Usage Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per mont Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Available Subject to: - Admitted on app and exam - HOS neg for cotinine - o more than 1 per month Permitted Permitted Permitted Cholesterol With or without treatment Cholesterol * * 260 * * Chol / HDL 5.0 for ages < for ages 71+ Blood Pressure 135/85 through age /85 for ages 71+ Treatment Through age 49: Without treatment Ages 50-80: With treatment, as long as readings fit criteria above Ages 81+: Without treatment 5.5 for ages < for ages /85 through age /90 for ages 71+ With or without treatment 6.2 for ages for ages /88 through age /88 for ages 71+ With or without treatment 5.5 for ages for ages /90 for all ages With or without treatment 7.0 for ages < for ages for ages for ages /85 for ages /90 for ages 71+ * * With or without treatment 7.0 for ages < for ages 71+ * * Family History Includes coronary artery disease and the following cancers**: Breast Ovarian Prostate Colon Lung Melanoma o family deaths before age 65 of either parent or sibling. Disregard if PI is age 65 or older. o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. /A * o family deaths before age 60 of either parent. Disregard if PI is age 60 or older. /A * Personal History o heart or vascular disease, diabetes, or cancer (except some skin cancers) o heart or vascular disease, diabetes, or cancer (except some skin cancers) o heart or vascular disease, diabetes, or cancer (except some skin cancers) o ratable impairments *** o ratable impairments o heart or vascular disease, diabetes, or cancer (except some skin cancers) *** * *Individual consideration on a case by case basis - may or may not be eligible **Some gender specific cancers may qualify for preferred rates ***See Medical Impairments Guide on pages

13 Driving History DUI/Reckless MVR - Major Violations MVR - Minor Violations Private Aviation 1 Avocation (Hazardous) Preferred Plus o more than 1 major violation in the last 3 yrs and OE in the last 12 months Only available with Aviation ExclusionRider; not available to those age 71 and older o participation in activities listed below 2 Trendsetter Express & Trendsetter LB Series Underwriting Criteria Preferred on-smoker Plus Preferred Choice (Band 2 only) onmed & Express on-smoker onsmoker one in past 5 years *** * o more than 1 major violation in last 3 years *** * o more than 3 minor moving violations within the last 3 yrs Preferred can be offered with or without ratable aviation o participation in activities listed below 2 Can be offered with or without ratable aviation o participation in activities listed below 2 o more than 2 minor moving violations within the last 3 yrs Only available with Aviation Exclusion Rider; not available to those age 71 and older o participation in activities listed below, if ratable 2 *** * *** Available as qualifies *** o participation in activities listed below 2 Preferred Smoker one in past 5 years o more than 1 major violation in last 3 years o more than 3 minor moving violations within the last 3 yrs Preferred can be offered with or without ratable aviation o participation in activities listed below 2 onmed & Express Smoker Smoker *** * *** * *** * *** Available as qualifies *** o participation in activities listed below, if ratable 2 Underwriting Criteria Alcohol / Substance Abuse o history or treatment at any time o history or treatment at any time o history or treatment in the past 10 years o history or treatment in the past 10 years *** o history or treatment in the past 7 years o history or treatment at any time *** o history or treatment in the past 7 years Citizenship / Residence US citizen or legal permanent resident/green card residing in the US - all others contact Underwriting for individual consideration. Foreign Travel (Unsafe) o traveling to dangerous areas of the world where the State Department has issued travel advisories. 3 Military Active military duty is acceptable provided the proposed insured is not serving in a hazardous area or does not have orders to serve in a hazardous area. 4 1 Private Aviation: An Aviation Exclusion Rider (AER) is not available on joint life applications. 2 Avocation: Prohibited activities involving aeronautics (e.g. hang-gliding, ultralight, soaring, skydiving, ballooning, etc.), power racing, competitive vehicles, mountain climbing, rodeos, competitive skiing or scuba/skin diving at a depth greater than 75 feet. 3 Foreign Travel: Unless otherwise prohibited by statute. 4 Military: Unless otherwise prohibited by statute. 13

14 Trendsetter Express & Trendsetter LB Series Height & Weight Chart Band 2 (Preferred Choice) and Bands 1 & 2 (on-med only) For all other, please refer to gender specific charts on page(s) 15 or 16 Male Female Height & Weight Charts Height Preferred Choice Express Disability Income Rider Maximum Weight* Height Preferred Choice Express Disability Income Rider Maximum Weight* *Maximum weights to qualify for a rated policy; anything above these weights will be declined. 14

15 Trendsetter Express & Trendsetter LB Series Height & Weight Chart Band 3 & 4 Only Male (Up to Age 70) Male (Age 71+) Preferred Plus Preferred Plus Preferred Plus Preferred Plus Height & Weight Charts 15

16 Trendsetter Express & Trendsetter LB Series Height & Weight Chart Band 3 & 4 Only Female (Up to Age 70) Female (Age 71+) Preferred Plus Preferred Plus Preferred Plus Preferred Plus Height & Weight Charts

17 Left blank Intentionally Height & Weight Charts 17

18 General Financial Guidelines The following financial guide is intended to assist you in determining maximum coverage. Please refer to the guide often as it will provide a means of anticipating the Underwriting Requirements for all large amount cases you write. Underwriting Guidelines Amounts over $10,000,000 third party verification required. Financial underwriting guidelines are calculated based net worth, income and current in-force policies, irrespective of estate-tax liability. Juvenile Applicants Up to $500,000, with individual consideration for amounts over $500,000 The parents or guardian should have minimum of 2 times the amount requested Siblings should have equal amounts of coverage An APS and/or inspection can be ordered for cause Personal Insurance eeds based on Annual Earned Income: To determine the qualifying coverage based on annual earned income, a 3% Cost of Living Adjustment is applied to the insured s current annual income for a certain number of years depending on the insured s age. Remember that earned income includes salary, bonuses, commissions and deferred compensation. It excludes income from investments. 3% COLA AGE COLA Factor To age To The adjusted annual income is then multiplied by the appropriate income factor as dictated by the insured s age and reflected in the table below: Age Income Factor Up to age age to to to to and over Individual Consideration Personal eeds Based on Projected Estate Value: If et Worth x 50% x 7% growth rate for the applicable number of years Age Growth Rate umber of Years Up to age 65 7% % and over 7% 7 Coverage for an unemployed spouse will be 50% of the insured s coverage, up to $2,500,000 Coverage for juveniles or adults with no apparent dependents or taxable estate will be determined by the need for and purpose of the insurance. Business Insurance eeds Key Person Age Up to age 65 Income Factor 10 times income 66 and above 5 times income A cover letter from the writing producer is needed to explain the key person s value to the company, how the coverage amount was determined, whether the Proposed Insured has ownership in the company and, if so, the percentage of ownership. Buy-Sell and Stock Repurchase The amount should be related directly to the Proposed Insured s ownership percentage and the fair market value of the company. Creditor or Business Loan Coverage Guidelines Amount depends upon the amount and purpose of the loan, the duration of the loan, collateral pledged, and interest rate. Term of the loan is 5 years or more. Coverage considered on key individuals only. 18

19 Underwriting Policies & Procedures Personal Financial Supplement When indicated on the requirements chart a PFS is required at time of application and must be submitted with the application. Ages 18 60: Insurance amounts over $5,000,000 Ages 61 70: Insurance amounts over $1,000,000 Ages 71+: Insurance amounts over $500,000 A PFS will be requested if: the income and net worth of PI is not provided on application the underwriter finds the financial information is unclear, inconsistent or additional details are needed. insurance is being used for business coverage including Buy/Sell, Loan and Keyman applications. Personal Financial Statements are good for 1 year. Inspection Reports Authorized Inspection Companies The companies listed below are authorized to perform Inspection Reports (IRs) on our behalf.inspection Reports are good for 1 year. These will be ordered by the Home Office. Examination Management Services, Inc. (EMSI) Exam One Portamedic/Hooper Holmes, Inc. Business Coverage Business coverage may require BBIR at face amounts 2 million and above. Personal History Interviews (PHI) A Personal History Interview may be ordered at the discretion of the underwriter for any amount of coverage. A PHI will be completed on all applications requesting the Disability Income Rider. Please provide phone number(s) and best time to reach the proposed insured. Cover Letter (What to Include) The writing producer is an important source of information. Through the cover letter, he or she can provide an explanation of the purpose of the coverage and the method used to establish the requested face amount. Specific information should be included regarding the background of the sale and the purpose and need for the coverage. Be sure to clarify any unusual aspects of the case. List all coverage amounts in force and the amount being replaced, if any. Copies of an estate planning analysis and available financial statements should accompany the cover letter. A cover letter should be sent on all cases over $5,000,000 or on any unusual cases needing further detail. This will help expedite handling and result in less inconvenience to all parties. Cash with Application Money may be taken with an application(s), provided the total of all amounts applied for does not exceed the conditional receipt limits. Even though we allow money to be collected on applications up to the conditional receipt limit the Company s liability is limited to the terms of the Conditional Receipt. The Conditional Receipt can be used only if payment is made at the time the application is signed. If money is not collected with the application, the blank Conditional Receipt must be submitted with the application. Illustrations A signed illustration is required to be submitted with all applications in jurisdictions where the AIC Model Illustration Regulation has been passed and the plan is illustratable. All UL applications require an illustration regardless of jurisdiction. Underwriting Guidelines 19

20 Underwriting Policies & Procedures ical Testing Information In calculating the coverage amount that requires these tests, be sure to include the total amount applied for with any AEGO company within the past 6 months. Examination Authority over ical Limits Medical exams may be arranged through an authorized paramedical company. Board certified medical exams are not required. Examinations by physicians not arranged by a paramedical company, such as applicant s personal physician, should not be used without prior approval from Underwriting. Authorized ical Companies The companies listed below are authorized to perform paramedical and medical exams on our behalf. American Para Professional Systems, Inc. (APPS) Examination Management Services, Inc. (EMSI) ExamOne, Inc. Portamedic/Hooper Holmes, Inc. Superior Mobile Medics Home Office Urine Specimen (HOS) An HOS is required with all medical and paramedical exams. Resting Electrocardiogram (EKG) and Treadmill (TRD) If Resting EKG or TRD records are available from a test conducted within the last 12 months, the test need not be repeated. Please provide a copy. A normal (standard rate) Treadmill EKG will be valid for 2 years with a current normal (standard rate) resting EKG (done within the last 90 days) for insureds up to age 70. Minnesota Cognitive Acuity Screen (CS) Proposed insureds age 71 and older will complete the Minnesota Cognitive Acuity Screen (CS) which screens for cognitive deficits. The CS is a simple, short telephone interview, conducted by registered nurses (Rs) trained to administer the test. The CS will be good for 6 months. Underwriting Guidelines Testing of Proposed Insureds Blood Tests (ABC) Testing is performed by LabOne, Clinical Reference Labs, and Heritage Labs. Appointed paramedical services can obtain the Abbreviated blood draw. A 12 hour fast is recommended and Medical Exams (We always reserve the right to order any additional requirements as needed to determine proper rate class and financial justification) Exam Up to Age 70 Age 71 and Older or MD Good for 1 year Good for 6 months Part B (onmed) Good for 3 months Good for 3 months Resting Electrocardiogram (EKG) Good for 1 year Good for 1 year Treadmill (TRD) Good for 2 years Good for 2 years Inspection Reports (IR) Good for 1 year Good for 1 year Personal Financial Supplement (PFS) Good for 1 year for 1 year Good for 1 year Home Office Urine Specimen (HOS) Abbreviated Blood Chemistry (ABC) Good for 1 year Please note that an underwriter can always request additional labs if there are abnormalities in the current results or there is other information that may cause concern. Good for 6 months Minnesota Cognitive Acuity Screen (CS) A Good for 6 months Motor Vehicle Report (MVR) Good for 6 months Good for 6 months 20

21 Underwriting Policies & Procedures Retention and Reinsurance Reinsurance plays an important role in our business and we have developed valuable relationships with our reinsurers over the years that enable us to meet and service the needs of our field representatives and clients effectively. The amount of life insurance retained varies by the age and rating class of the client. Amounts in excess of what we retain are reinsured with top-rated reinsurance companies through an automatic reinsurance pool or facultative reinsurance. Under the automatic arrangement, the reinsurers are automatically bound to accept our decision and do not review our underwriting papers. Facultative cases do not qualify for automatic pool arrangements. These require the entire underwriting file to be sent to the reinsurance company for the reinsurer s review and decision. Automatic Issue Limits The automatic issue limit is the amount of life insurance coverage we can issue without seeking facultative coverage. It includes the amount we retain, as well as the amount we automatically cede to our reinsurers. Our limits are among the highest in the industry and have been made possible by the strength and integrity of 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. It is defined as the sum of all in force coverage plus the sum of all face amounts applied for whether to be placed or not, excluding policies being exchanged for current coverage. If the applicant completes an absolute assignment form, that policy (or policies) will be excluded from our calculations for jumbo. This is subject to receipt and approval of all forms and underwriting review. Underwriting Guidelines 21

22 Underwriting Policies & Procedures APS Ordering Guidelines APS will be ordered on any impairment that may potentially require a rating, including but not limited to: Asthma/ Chronic Bronchitis/COPD/ Emphysema, Cancer/Tumor, TIA/ Cerebrovascular Accidents/Strokes, Crohn s Disease/Ulcerative Colitis, Diabetes, Epilepsy/Seizures, Heart Disease, Hypertension, Kidney Disorders, Liver Disorders, Anxiety Depression (on multiple medications), eurological Disorders (Parkinson s, MS), Peripheral Vascular Disease, Sleep Apnea, Substance Abuse.* APS will be ordered if prior adverse action was taken due to medical history. Example:, postpone, rating, and approved other than as applied for. Definition of Established Primary Care Physician (PCP): Receiving ongoing standard clinical surveillance and follow-up that is appropriate for age, gender, as well as family history. APS Requirements Age Up to and including $1 million 0 50 OT ROUTIELY (for cause or for exam within the past 3 months not marked within normal limits)* OT ROUTIELY (for cause or for exam within the past 3 months not marked within normal limits)* OT ROUTIELY (for cause or for exam within the past 3 months not marked within normal limits)* Face Amounts $1,000,001 to $2,500,000 OT ROUTIELY (for cause or for exam within the past 3 months not marked within normal limits)* OT ROUTIELY (for cause or for exam within the past 3 months not marked within normal limits)* Yes Within the last 3 years for preferred classes and has an established PCP Yes*** Yes*** Yes Over $2.5 million YES Will be required on ALL applications** YES Will be required on ALL applications Yes Within the last 3 years for preferred classes and has an established PCP 75 and older Yes*** Yes*** Yes Underwriting Guidelines *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 to 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 to 79, normal underwriting guidelines if seen in the last 24 months by PCP. Age 80 and above should have seen an MD in the last 12 months for any consideration. 22

23 Medical Impairments & Questionnaires All Products Following is information regarding common medical impairments and the questionnaires that should be completed to assist with the underwriting process. ote: The Questionnaires do vary by jurisdiction. Included in this guide are the standard versions which are approved in all states except for the following: Refer to AI for the proper forms approved in your jurisdiction. California: Foreign Travel Questionnaire is not allowed. Connecticut: Alcohol and Drug Questionnaires are state specific. Florida: All Questionnaires are state specific. Foreign Travel Questionnaire is not allowed. Georgia: Foreign Travel Questionnaire is not allowed. Indiana: High Blood Pressure and Heart Disease Questionnaires are state specific. Louisiana: Alcohol Questionnaire is state specific. Maine: All Questionnaires are state specific. Maryland: Alcohol, Avocation & Aviation, Drug and Tobacco Questionnaires are state specific. Massachusetts: All Questionnaires are state specific. Minnesota: Drug Questionnaire is state specific. Missouri: All Questionnaires are state specific. ebraska: All Questionnaires are state specific. ew Hampshire: Drug Questionnaire is state specific. ew Jersey: Alcohol, Drug, Tobacco, Respiratory, Diabetes, Cysts/Tumor/Cancer and Stroke /Transient Ischemic Attack (TIA) Questionnaires are state specific. orth Carolina: Alcohol and Drug Questionnaires are state specific. Oklahoma: All Questionnaires are state specific. Puerto Rico: Arthritis, Avocation & Aviation, Cysts/Tumors/Cancer, Diabetes, Disability Income Rider, Foreign Travel, Heart Disease, High Blood Pressure, Mental Health/Depression/Anxiety, Respiratory, Stroke/Transient Ischemic Attack (TIA) Questionnaires are state specific. 23

24 Diabetes Diabetes is a disease in which the body is either unable to produce a sufficient amount of insulin or it cannot use the insulin that is produced. This results in high levels of glucose in the blood stream. Type I (insulin dependent diabetes), also known as Juvenile Onset Diabetes, requires regular insulin injections to control blood sugars. Type II (non insulin dependent diabetes), also known as Adult Onset Diabetes, is usually diagnosed later in life and can be controlled with close diet monitoring and/or oral medication. In some cases a Type II diabetic may require insulin injections in addition to diet and oral medication. Obesity and family history of diabetes are common risk factors for the development of this type of diabetes. Uncontrolled diabetes can lead to vision loss, kidney failure, circulatory problems, neuropathy and diabetic coma. Diabetes is also a major risk factor for heart disease and stroke. Routine follow up with a physician, close monitoring of blood sugars and modification of diet are key factors in the successful control of diabetes. Hemoglobin A1C is a test commonly used to determine long term control of blood sugars. The type of diabetes, age of onset, level of control, and presence of any complications are used to determine the underwriting rate class. Please complete a Diabetes Questionnaire. Heart Disease Heart Attack, Angina/Chest Pain, Angioplasty/Stent Placement, Bypass Surgery. Heart disease occurs when the arteries that supply blood and oxygen to the heart become blocked and unable to keep the heart pumping normally. Heart disease can be caused by: A progressive build up of plaque that causes narrowing of the arteries; A clot caused by the rupture of plaque in the artery; or A vasospasm of the artery. Angina/cardiac chest pain is caused when the heart does not receive enough oxygen. A combination of heart disease and the following conditions will usually result in a : Continued smoking, Stroke or TIA, Diabetes, Peripheral Vascular Disease Age at onset under 40 Please complete a Heart Disease Questionnaire. Cerebrovascular Disease (Stroke/TIA) A stroke or CVA (cerebrovascular accident) occurs when there is an inadequate oxygen supply to the brain. This can be caused by a clot that blocks an artery or a rupture or an artery (aneurysm) in the brain. A major stroke can lead to irreversible brain damage or death. A TIA (transient ischemic attack) is a brief disruption of blood flow to the brain and the symptoms are usually reversible. Sometimes a TIA is a precursor to a full blown stroke, so close monitoring is necessary. Risk factors for stroke include: Uncontrolled high blood pressure/hypertension; Smoking; Diabetes Other vascular disease (i.e. heart disease, peripheral vascular disease) A combination of any of the above risk factors and a history of stroke/tia will usually result in a. Please complete a Stroke/Transient Ischemic Attack (TIA) Questionnaire High Blood Pressure/Hypertension High blood pressure or hypertension is a persistent elevation in blood pressure above what is considered normal for one s age and gender. Untreated high blood pressure can lead to heart enlargement and kidney damage as well as an increased risk of stroke and heart disease. The usual treatment for high blood pressure is medication and diet modification. When individuals are compliant with treatment and blood pressure readings are within the normal range, no rating is necessary. Please complete a High Blood Pressure Questionnaire. A heart attack or myocardial infarction occurs when there is a profound lack of oxygen to the heart muscle, which can lead to tissue death. Heart disease may be a progressive condition that can be treated but not cured. The most common ways to treat heart disease are medication, modification of risk factors, angioplasty/stent placement, and bypass surgery. Risk factors for heart disease include: Family history, Elevated cholesterol, Diabetes, Smoking, Obesity, High blood pressure/hypertension 24

25 Tumors/Cancer Cancer or malignant tumors are characterized by abnormal cell growth that invades healthy tissue and causes breakdown of normal tissue function. Once a tumor invades the surrounding tissue, it can then move into the blood and lymph system and eventually spread to other organs in the body. Major risk factors for cancer are family history, tobacco use, excessive exposure to sunlight, exposure to environmental toxins, and inflammatory conditions (i.e. ulcerative colitis, hepatitis). The prognosis is highly variable with Underwriting risk classification focusing on type/location of cancer, extent of invasion and time since treatment was completed. Please complete Cyst/Tumor/Cancer Questionnaire. Chronic Respiratory Conditions Asthma, COPD/Emphysema, Chronic Bronchitis Asthma is a reversible obstruction of the airways in the lungs. Common symptoms are shortness of breath, wheezing and coughing. Lung function between attacks is usually normal. Treatment focuses on prevention of attacks and may employ oral as well as inhaled medications. Risk classification is determined by factors such as frequency and severity of attacks, type of treatment required and smoking status. COPD (Chronic Obstructive Pulmonary Disease) is a general term used to describe a variety of diseases that cause chronic airway obstruction. Two of the most common forms of COPD are chronic bronchitis and emphysema. The symptoms vary and include difficulty breathing, fatigue, chronic cough, weight loss, diminished levels of oxygen in the blood. The development of COPD is strongly associated with smoking. Treatment may include oral or inhaled medications and in severe cases, the use of oxygen. Any current substance abuse is uninsurable. In most cases, an applicant must be 2 years out from last use before we can consider him/her for life insurance, with complete abstinence. Some factors that are more favorable when considering applicants for life insurance include participation in a support group, family and job stability, and a favorable MVR. Factors that would have a negative impact on underwriting these individuals are a history of multi-substance abuse (for example, drugs and alcohol), mental illness in addition to substance abuse, history of relapse, and participation in hazardous avocations. Occasional marijuana use (1-2 times a month) may be considered at standard tobacco rates. Heavier marijuana use could lead to substandard ratings or a decline. Please complete an Alcohol and/or Drug Questionnaire. Additional Questionnaires: Arthritis Questionnaire complete if there is a history of any type of arthritis. Avocation & Aviation Questionnaire complete if there is any participation in racing, parachuting, sky diving, underwater diving or aviation. Disability Income Rider Questionnaire complete for a client applying for a Disability Income Rider. Foreign Travel Questionnaire complete for any applicant who has traveled to a foreign country within the past 2 years or intends to travel to a foreign country in the next 2 years. Mental Health/Depression/Anxiety Questionnaire complete if there is a history of, or current treatment for depression or anxiety. Alcohol Questionnaire complete if applicant has history of alcohol abuse. Drug Questionnaire complete if applicant has history of drug abuse. Risk classification is determined by factors such as degree of respiratory impairment, continued smoking, and type of treatment required. The current use of oxygen would result in a. Please complete a Respiratory Questionnaire. Alcohol and Drug Abuse A history of substance abuse (alcohol, illegal drugs, or street drugs) poses multiple concerns for life insurance. In addition to being a higher risk due to accidents, homicide, suicide, and overdose, long-term substance abuse can lead to serious health problems involving the brain, heart, liver, GI tract, circulatory system and major infections (i.e. hepatitis and HIV). 25

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40 Transamerica Life Insurance Company Home Office: 4333 Edgewood Road E Cedar Rapids, IA Personal Supplement to Application for Life Insurance File # ame of Proposed Insured: ame of Additional Proposed Insured: Date of Birth: Date of Birth: Section A. PURPOSE OF ISURACE 1. o Personal 2. o Business o Income o Keyperson o Estate Planning o Stock Repurchase o Buy-Sell o Creditor Amount of Loan $ o Yes o o Is Insurance required by the Creditor? 3. How was the amount of insurance arrived at? (If applying for personal insurance, proceed to questions 7, 8, 9 & 10.) Section B. BUSIESS IFORMATIO 4. o Yes o o Are other Corporate Officers or partners insured or being insured? Give details and explanation 5. Percent of corporation or partnership owned by Proposed Insured? % Additional Proposed Insured? % 6. Corporation or Partnerships: Estimated Current Year Past Year et Worth $ Gross Sales $ et Income $ Current estimated market value of the business $ APE561008T DISCLOSURE Continued on Reverse Side *DT145* * D T * 40

41 FIACIAL IFORMATIO If a joint policy is being applied for, complete questions 7 through 10 jointly for both the Proposed Insured and the Additional Proposed Insured. 7. Estimated Past Estimated Past Current Year Current Year Year Year AUAL ICOME Earned Income ASSETS Annual Salary or Wages $ $ Cash $ $ Bonuses $ $ Real Estate $ $ Other Earned Income $ $ Stocks & Bonds $ $ Total Earned Income $ $ Autos $ $ Personal $ $ Unearned Income Business Equity $ $ Dividends & Interest $ $ Other $ $ et Real Estate Income $ $ Total Assets $ $ et Business Investment Income $ $ Other: $ $ LIABILITIES Other: $ $ Mortgages $ $ Total Unearned Income $ $ Business $ $ All Other Personal $ $ TOTAL AUAL ICOME $ $ Total Liabilities $ $ 8. Estimated et Worth $ 9. o Yes o o At this time are you currently in bankruptcy or have you been the subject of any voluntary or involuntary bankruptcy proceeding pending within the past 12 months? If yes, please provide full details including Chapter 7, 11, or 13, date filed, and date of discharge and dismissal, if any. 10. o Yes o o Do you have a prepared financial statement? If yes, please attach a copy. It is represented that the statements and answers given in this supplement to the application are true, complete and correctly recorded. It is agreed that this supplement shall be a part of the application to the Company for insurance on the life of the Proposed Insured and any Additional Proposed Insured, and shall be the basis for any policy issued on this application. Signed at on, Signature of Proposed Insured Signature of Witness Signature of Additional Proposed Insured Signature of Witness AGREEMET OF OWER IF OTHER THA PROPOSED ISURED The Owner agrees to be bound by all statements, answers, and agreements made by the Proposed Insured and any Additional Proposed Insured in this supplement to the application. Signed at on, Signature of Owner Signature of Witness If Owner is a corporation, an authorized officer, other than the Proposed Insured, must sign as owner, give Corporate title and full name of Corporation. Corporation ame: APE561008T 41

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45 Uninsurable Risks and Highly Substandard Risks All Products Below are some common impairments that normally cause a case to be highly substandard or a decline. This is not a complete listing and all cases are subject to underwriting review. Impairment Alzheimer s Cancer: many internal cancers are not insurable until three years after the date of the last treatment (chemotherapy, radiation or surgery). Cardiac surgery or heart attack within six months Chronic lung disease requiring oxygen Cocaine or other drug use within three years or daily marijuana use Defibrillator Dementia Diabetes & Heart Disease Diabetes & Stroke Early age coronary history (prior to age 40) Esophageal Varices Heart Disease & current tobacco use Heart Disease & Stroke HIV / AIDS: any treatment or diagnosis Inpatient alcohol treatment within two years or single DUI within 1 year Lung disease (COPD/emphysema) with current tobacco use Mental and ervous disorders hospitalizations or suicide attempt within the past two years Renal failure surgery dialysis Stroke within one year Transplants: heart, liver, lung Probable Action Request tentative quote providing specific type, site, grade, of tumor, how treated and dates. ; will reconsider after six months of recovery. High Substandard or High Substandard or Usually a High Substandard or High Substandard or ; will reconsider after one full year of recovery 45

46 Underwriting Guidelines for Medical Impairments T=Table Medical Impairments Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 AIDS/HIV Alcohol abuse T2 Mild - Std Express Other - Alcoholism* <2 yrs since complete abstinence Yes, with greater than 10 years of sobriety 3-5 yrs since complete abstinence T3 to T10 >5 yrs since complete abstinence to T3 < 5 years of complete abstinence- 5 years plus of complete abstinence - Std to Std Express Allergies, Hay fever Y Std Std Std ALS (Lou Gehrig s Disease) Alzheimer s Disease Amputations Anemia Limited, traumatic injury Otherwise, see specific cause/disease Fully investigated with no underlying cause identified. Mild Moderate T2 to T5 Severe Possible in those cases of limited, traumatic injury resulting in amputation. Monthly Disability Income Rider Due to injury Due to injury Exclusion Rider or Mild cases - Std Other - Mild cases - Std Moderate - Std Express Severe - Aneurysm, abdominal* ** o surgery but with periodic surveillance T2 to T6 o surgery or surveillance o surgery, size > 5 cm Treated with surgery: o surgical correction - Greater than 6 months since surgical correction - Std Express <6 mo since surgery Postpone >6 mo since surgery T2 to T6, depending on length of time since surgery Aneurysm, cerebral* ** o surgery $7.50 flat extra to <6 mo since surgery Postpone 6 mo to 2 yrs since surgery $5 flat extra o surgical correction or <2 yrs since surgery - 2 years plus since surgical correction - Std to Std Express >2 yrs since surgery (if multiple cerebral aneurysms or significant residuals, possible ) Angina* Anxiety See Coronary Artery Disease Mild (minimal amt of medication, no counseling, no time off work, no psychiatric counseling) Moderate (satisfactory response to treatment, out-patient psychotherapy, no more than 1-2 weeks off work) to T4 Severe (recurring episodes requiring in-patient care, unable to work) T4 to Y Mild cases - Std Other - Mild cases - Std Moderate - Std Express Other - *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 46

47 Underwriting Guidelines for Medical Impairments T=Table Impairment Atrial fibrillation* ** All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 o underlying heart disease, short duration <4 episodes per year to T3 Chronic or prolonged episodes T2 to T6 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Monthly Disability Band 1 Band 2 Income Rider o underlying heart disease, short duration, <4 episodes per year- Std to Std Express With underlying heart disease or frequent episodes- Arthritis, osteo Mild or Moderate Y mild only Exclusion Rider or Severe possible T2 Arthritis, rheumatoid* ** Mild (minimal pain, no deformity, no continuous treatment required) Moderate (moderate activity, frequent drug therapy, slight deformity) T2 to T3 Severe (chronic active disease, serious restrictions of movement, continuing treatment including steroids) T4 to Mild cases - Std to Std Express Mild cases - Std to Std Express Moderate - Std Express Other - Asthma** Mild to T2 Y mild only Mild cases- Std to Std Express Mild Cases- Std to Std Express Moderate T3 to T8 Moderate- Std Express Severe- Severe Children: <Age 7 can be considered for coverage at a rate if their asthma is mild and well controlled. Age 2 or younger, cannot be considered for coverage Aviation, private Student pilot $3.50 flat extra See Preferred Guidelines Aviation, paid Back pain See also Chronic Pain Qualified pilot to $3.50 flat extra (Rating determined by client age, number of hours flown each year and total flying experience) Commercial pilot, passenger or freight flying within the U.S. or Canada Corporate Pilot Other, $2.50 to $10 flat extra (Rating determined by occupation) Y Student- $3.50 flat extra Qualified Pilot- Std to $3.50 flat extra Corporate or commercial pilot (passenger or frieght) flying within U.S. or Canada- Std Other- $2.50 flat extra and up Mild to Moderate Y Mild to moderate cases- Std to Severe-possible T2 to T4 Std Express Severe or disabling- Y Student- $3.50 flat extra Qualified Pilot- Std to $3.50 flat extra Corporate or commercial pilot (passenger or freight) flying within U.S. or Canada- Std Other- $2.50 flat extra and up Mild to moderate cases- Std to Std Express Severe or disabling- Std Express to Barrett s Esophagus* to Std to Bell s Palsy Y If > 3 months since diagnosis, fully recovered with no complications. Exclusion Rider or Qualified private pilots may be acceptable if qualified pilot Exclusion Rider or Fully recovered- Std Fully recovered- Std Present Fully recovered, no residuals Medical Impairments *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 47

48 Underwriting Guidelines for Medical Impairments T=Table Medical Impairments Impairment Bipolar disorder* All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Mild (no loss of work, stable symptoms, low-dose single antidepressant) T2 to T4 Moderate (1 or more episodes, satisfactory response to treatment, infrequent disabling attacks) T4 to T6 Severe (recurring episodes, inpatient care, disabled from work) T8 to Preferred Possible Blindness Total blindness to T3 Possible, if otherwise considered and no impairment of functional capacity. BPH (Benign Prostatic Hypertrophy) Breast disorders (not Cancer) Partial ormal PSA, urinalysis, no impairments Benign mass without atypia per biopsy Benign mass with atypia per biopsy to T4 (determined by client s age and if family history is positive for breast cancer) Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Mild to moderate (very infrequent time lost from work, stable symptoms, 1 or 2 antidepressants, no suicide attempts)- Std Express Otherwise- Y Y Y Monthly Disability Income Rider Exclusion Rider ormal PSA,urinalysis, no renal impairment Benign mass without atypia per biopsy- Std Otherwise- ormal PSA,urinalysis, no renal impairment Benign mass without atypia per biopsy- Std Benign mass with atypia per biopsy- Std Express History of >6 mos Present History of/recovered Broken bone Y or Exclusion Rider Bronchiectasis* Minimal or Mild to T3 Mild- Std Express Moderate T4 to T6 Moderate or Severe- Severe T8 to (could be considered, if successful surgery >1 yr out) Bronchitis, acute Y Present with history of asthma, otherwise Bronchitis, chronic (COPD)* Mild to T3 Minimal or Mild- Std Express Moderate T4 to T8 Moderate to Severe- Severe (if currently using oxygen ) Bundle branch block, right Incomplete Y Std to Std Express Std to Std Express Complete: o CAD risk factors With CAD risk factors T2 to T3 Bundle branch block, left* T4 to Stable for at least 1 year & no underlying heart disease- Std Express Otherwise- *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 48

49 Underwriting Guidelines for Medical Impairments T=Table Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Monthly Disability Income Rider Bursitis Y Exclusion Rider or Cancer (internal organ)* Call Home Office Call Home Office Cancer, skin (not Melanoma) Y Cardiomypathy <3 yrs since diagnosis - postpone 3 years since diagnosis- >3 yes since diagnosis - T4 to T8 >3 years since diagnosis - Std Express to Carpal Tunnel Syndrome Y Exclusion Rider or Cataracts Y or Exclusion Rider Cerebral Palsy* Age 8 or less Age 8 or less- Cerebral Vascular Accident, Stroke (CVA)* ** Chronic Obstructive Pulmonary Disorder (COPD)** Age 9 or greater: Very mild & no mental retardation Otherwise, T4 to Age 9 or greater- very mild and no mental retardation- Std - mild mental retardation- Std Express Otherwise- <1 yr since occurrence Postpone Mild and >1 year since occurrence- >1 yr since occurrence T4 to Std Express to Otherwise- Multiple CVA s Minimal to Mild - to T4 Minimal or Mild- Std Express Moderate - T6 to T8 Severe - Usually (Rating will be higher if currently using tobacco, Supplemental oxygen is decline) Chronic Fatigue Syndrome <1 year since last symptoms Postpone Fully recovered >1 year since last symptoms Y Chronic pain Mild to T3 Moderate T4 to T8 Mild to moderate cases Std to Std Express Severe or disabling Severe Cirrhosis (liver) Complete abstinence from alcohol for > 5 years, no complications, normal liver enzymes T6 to Otherwise, Moderate to Severe- Fully recovered Mild to moderate cases Std to Std Express Severe or disabling Std Express to Present, within 2 yrs of recovery >2 yrs since recovery, no residuals Medical Impairments *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 49

50 Underwriting Guidelines for Medical Impairments T=Table Medical Impairments Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Colitis, ulcerative* ** <1 yr since diagnosis T3 to T4 1-5 yrs since diagnosis T2 to T6 >5 yrs since diagnosis Severe colitis or with complications <1 year since diagnosis or major attack- 1-5 years since diagnosis or major attack- Std Express >5 years since diagnosis or major attack- Std Monthly Disability Income Rider Colitis, other than ulcerative, depending on cause Y to Concussion (head injury) Congestive Heart Failure (CHF)* ** Convulsions* Mild Postpone 6 mo, then (if no residuals) Moderate Postpone 1 yr, then (if no residuals) Severe Postpone 2 yrs, then (if no residuals) Y if no residuals Mild->6 mos with no residuals Mild->6 mos with no residuals <1 yr since complete recovery Postpone >1 year since full recovery Otherwise, T4 to and no treatment- Std Express to See Epilepsy Coronary Artery Disease* ** <3 months after bypass Postpone <6 months after angioplasty Postpone Age 45 or less- Ages 46 & up- Std Express to Ages: <40 Criminal activity T6 to T4 to >60 T2 to May be able to improve offer with credits for favorable factors such as cholesterol and recent negative cardiac testing. Criminal charges pending, or currently on probation or parole Postpone Otherwise, call Home Office Criminal charges pending, or currently on probation or parole- Otherwise- call Home Office Criminal charges pending, or currently on probation or parole- Otherwise- call Home Office Crohn s Disease* ** <1 yr from diagnosis or major attack Postpone >1 yrs from diagnosis or major attack T2 to T6 <1 year since diagnosis or major attack- 1-5 years since diagnosis or major attack- Std Express >5 years since diagnosis or major attck- Std to Cyst, benign Y Cystic Fibrosis *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 50

51 Underwriting Guidelines for Medical Impairments T=Table Impairment Depression All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Mild (minimal amt of medication, no counseling, no time off work, no psychiatric counseling) Moderate (satisfactory response to treatment, out-patient psychotherapy, no more than 1-2 weeks off work) to T4 Severe (recurring episodes requiring in-patient care, unable to work) T6 to Preferred Possible Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Mild cases (stable symptoms, no disability, 1 antidepressant)- Std to Std Express Otherwise- Mild cases (stable symptoms, no disability, 1 antidepressant)- Std to Std Express Moderate (stable symptoms, very infrequent time lost from work,1 or 2 antidepressants)- Std Express Severe- Monthly Disability Income Rider Dermatitis Diabetes* ** to (rating determined by current age, how long since diagnosis, and control) Well controlled diabetes, older than age 20, no tobacco with no complication, stable T2 to Diagnosed after age 40, controlled with diet or 1-2 oral medications only- Std Express Otherwise- Diverticulitis** Mild attacks, fully recovered to T2 Y Mild attacks, fully recovered- Std to Std Express Otherwise- Diagnosed after age 40, controlled with diet, oral medication, or insulin- Std Express to Mild attacks, fully recovered- Std to Std Express Otherwise- Down s Syndrome* ** Mild T8 to T10 Driving Under the Influence (DUI)* Moderate or Severe <1 yr since violation: < age 26 Ages $5 Flat Extra Ages 36 & older $3.50 Flat Extra 1-5 yrs since violation to $5.00 Flat Extra depending on age >5 yrs since violation Multiple DUIs Probable Under age 21 at time of offense Individual Consideration >1 yr since occurrence single episode no other driving violations Drug Abuse, marijuana Current use, < 9 times a month Tobacco Rates Experimental or intermittent Current use, more frequent T2 to only Drug Abuse, other than marijuana* ** Y >1 yr since occurrence single episode no other driving violations Experimental or intermittent only Exclusion Rider or Current use or use within last 3 yrs 3-6 yrs since complete abstinence $7.50 temporary flat extra Eczema Y Emphysema* ** Minimal to Mild to T4 Minimal or Mild- Std Express Moderate T6 to T8 Moderate to Severe- Severe Usually Ratings will be higher if currently using tobacco Supplemental Oxygen use is a Endocarditis Postpone 1 yr, then (if no residuals) Y >1 yr (if no residuals) >1 yr (if no residuals) to Medical Impairments *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 51

52 Underwriting Guidelines for Medical Impairments T=Table Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Epilepsy, petit mal* ** <6 mos since diagnosis Postpone Controlled with minimal meds <7 seizures/yr and no seizures within past 2 yrs Std to Std Express 7-12 seizures/yr to T2 >12 seizures/yr T2 to T3 Y (if last seizure >2 yrs since last seizure >5 years ago) Controlled with minimal meds and no seizures within past 2 years Std to Std Express Monthly Disability Income Rider Medical Impairments Epilepsy, grand mal* ** Diagnosis <1 year ages <36 Postpone Diagnosis <6 months ages 36 & up Postpone Controlled with minimal meds and no seizures within past 2 years- Std to Std Express <7 seizures per year: Age <36 T6 Ages 36 & up T seizures per year: Age <36 T8 Age 36 & up T6 >12 seizures per year: Age <36 T12 to Ages 36 & up T8 to Seizures Ceased > 1 yr: T3 to Y (if last seizure > 5 years ago) Controlled with minimal meds and no seizures within past 2 years- Std to Std Express Esophageal stricture Mild to Moderate to T4 Mild cases- Std to Std Express Mild cases- Std to Std Express or Severe T4 to T8 Exclusion Rider Fibromyalgia, fibrositis (consider if successful surgery >1 ago) Possible (severe, disabling cases may require rating) Y Mild cases- Std Moderate, not disabling- Std Express Mild cases- Std Moderate, not disabling- Std Express Severe- Fistula & fissure, anal Y Fracture, bone or skull (no residuals) Y Full recovery, no residuals Gall bladder disorders Y Present Recovered/ Corrected *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 52

53 Underwriting Guidelines for Medical Impairments T=Table Impairment Gastric bypass surgery* All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Banding, LAGB, VBG Surgeries: 3 months or less since surgery Postpone 3 months to 2 years T2 >2 years Malabsorptive Surgeries: < 6 months since surgery Postpone >6 months to < 2 years T3 2-5 years T2 >5 yrs Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 At least 2 years out from surgery, current weight within build guidelines, no complications- Std At least 2 years out from surgery, current weight within build guidelines, no complications- Std Monthly Disability Income Rider Gastroenteritis, recovered Y Gastroesophageal Reflux Disease (GERD) Y Glaucoma Y Exclusion Rider or Glomerulonephritis, chronic* Gout Headache, migraine or tension to (depends on cause & severity) (chronic, severe cases may require rating) Y Std Std or Exclusion Rider Y Mild occasional, no absences from work, Otherwise Hearing impairment Y Exclusion Rider Heart attack* ** Heart bypass surgery* ** See Coronary Artery Disease See Coronary Artery Disease Heart valve replacement* <6 mo since surgery Postpone Std Express to >6 mo since surgery T2 to (Rate dependent on age & valve replaced) Heart valve surgery* ** <6 mo since surgery Postpone to >6 mo since surgery to Heartburn Y Hemorrhoids Y Hepatitis A (fully recovered) Y (fully recovered) (fully recovered) Hepatitis B One episode, fully recovered Acute, fully recovered- Std Chronic to Chronic- to Hepatitis C to to Medical Impairments *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 53

54 Underwriting Guidelines for Medical Impairments T=Table Medical Impairments Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Monthly Disability Income Rider Hernia Y Asymptomatic or surgically corrected, otherwise Herniated disc Y Exclusion Rider or High blood pressure (Hypertension) Usually (if under control) Y Controlled with one or two medications Histoplasmosis Present Postpone Recovered with no residuals Recovered w/o residuals > 6 months w/residual lung impairment T2 to Controlled with one or two medications Recovered with no residuals Hodgkin s Disease* ** T2 to call Home Office Huntington s Disease** Present Family history, with negative genetic testing Family history, without genetic testing $2.50 to $10 flat extra Hydronephrosis** Resolved or cause corrected Resolved or cause corrected Cause still present T2 to Y Resolved or cause corrected Controlled Hysterectomy if no cancer history Y if no cancer history if no cancer history if no cancer history Ileitis* ** See Crohn s Disease Indigestion Y Kidney failure, dialysis Kidney infection, recovered Y to Kidney removal Kidney stones to (depending on cause & current renal function) (frequent attacks may require rating) Y (depending on reason) Y (minimal attacks) Std to (depending on cause & current kidney function) (minimal attacks) Kidney transplant* ** <1 year since transplant >1 year since transplant T6 to Leukemia* ** <2 yrs since last treatment - Postpone >2 yrs since last treatment - T4 to Exclusion Rider or *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 54

55 Underwriting Guidelines for Medical Impairments T=Table Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Lupus, discoid to (depending on severity) Std to Std Express Std to Std Express Lupus, systemic* <1 yr since diagnosis Postpone 1 yr & up from diagnosis T2 to <4 years since diagnosis- 4 years since diagnosis and no serious symptoms- Std Express Lymphoma* ** <3 yr from last treatment Postpone call Home Office >3 years T2 to Malaria Single episode Y if fully recovered Multiple episodes to T2 Monthly Disability Income Rider Single attack Melanoma* ** to call Home Office Meniere s Disease Y Meningioma* Surgically removed to $7.50 flat extra At least 3 years out from Otherwise, T2 to complete excision and no residuals- Std Meningitis <6 mo since recovery Postpone <6 mo since recovery Postpone >6 mo since recovery, no residuals Y >6 mo since recovery, no residuals At least 3 years out from complete excision and no residuals- Std <6 mo since recovery Postpone >6 mo since recovery, no residuals Mental retardation* ** Mild to Moderate to T2 Mild to Moderate- Std Express Severe/Profound Otherwise- Mitral insufficiency, Mitral Valve Prolapse (MVP)* Mild to T4 Mild cases- Std Mild cases- Std Moderate T2 to T4 Moderate- Std Express Severe- Severe T4 to Mitral stenosis* Mild to T6 Slight or Mild- Std Express Moderate T2 to Moderate or Severe (depending on age) Moderate to Severe T4 to Full recovery- controlled Mononucleosis Y Recovered Mountain climbing Based on location, scale (YDS or other grading scale), altitude and equipment used. to. Please call Home Office with details for quote. Subject to details. Minor trail climbing or equivalent may be acceptable within preferred classes. Based on location, scale (YDS or other grading scale), altitude, and equipment used- Std to Based on location, scale (YDS or other grading scale), altitude, and equipment used- Std to Medical Impairments *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 55

56 Underwriting Guidelines for Medical Impairments T=Table Medical Impairments Impairment Multiple Sclerosis (MS)* ** All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 <1 yr since diagnosis: Progressive T8 Relapsing-Remitting T6 >1 yr since diagnosis degree of disability: Mild T2 to T3 Moderate T4 to T6 Severe T8 to Benign MS > 25 yrs since diagnosis w/no signs or symptoms for 5 years Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Relapsing-remitting type, >1 year since diagnosis and mild to moderate symptoms- Std Express Progressive or severe symptoms- Myocarditis* <2 yrs since diagnosis Postpone At least 2 years since >2 yrs since diagnosis, fully recovered to T2 Y diagnosis, single episode, fully recovered- Std to Std Express Muscular Dystrophy** Becker or limb girdle T10 to Myasthenia Gravis* ephrectomy Duchene Dystrophia Myotonica Facioscapulohumeral to T6 Mitochondrial to Myotonia Congenita Periodid Paralysis to T2 Ocular: <1 yr since diagnosis Postpone 1-5 yrs since diagnosis T2 to T4 >5 yrs Generalized: <1 yr since diagnosis Postpone 1-7 yrs since diagnosis T4 >7 yrs since diagnosis T2 to (depending on cause & renal function) Ocular type and >1 yr since diagnosis- Std to Std Express Generalized type and >1 year since diagnosis- Std Express Possible depending on the circumstances to (depending on cause & renal function) ephritis, acute S1 episode, fully recovered Y 1 episode, fully recovered- Multiple episodes to T3 eurosis, anxiety See Anxiety Std to (depending on cause & current kidney function) 1 episode, fully recovered- on-hodgkin s lymphoma* ** <3 yr from last treatment Postpone Call Home Office Occupations with special hazards >3 years T2 to Examples of occupations with special hazards: Aviation, Military, Building and Construction, Mining and Quarrying, and Professional Athletes, may be considered for coverage with possible flat extra. This is not an inclusive list; contact the Home Office if you have a question about an occupation. Possible if occupation is considered standard, Otherwise no preferred. Monthly Disability Income Rider to (depending on cause & renal function) or Exclusion Rider Call Home Office Call Home Office *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 56

57 Underwriting Guidelines for Medical Impairments T=Table Impairment Operating While Intoxicated (OWI) Osteoarthritis Pacemaker* Pancreatitis All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 See DUI See Arthritis, osteo to (Rating determined by the age of the client, years since pacemaker implanted and reason for the pacemaker.) Acute: <6 mo since attack Postpone Otherwise, probably Chronic: < 1 year since last symptoms 1-4 years since symptoms T3 to T6 >4 years since symptoms to T2 With complications T8 to Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Std Express to (Rating determined by the age of the client, years since pacemaker implanted, and reason for pacemaker) Single episode and >6 months since attack- Std Otherwise- Single episode and >6 months since full recovery- Std Chronic and >1 year since last symptoms- Std Express to Paralysis* Monoplegia - to T2 Monoplegia and Hemiplegia- Hemiplegia - to T4 Std Express Otherwise- Paraparesis - T2 to T10 Paraplegia - Highly substandard to Quadriplegia - Parkinson s Disease* ** Mild to T3 Moderate T2 to T4 Mild- Std Express Moderate or Severe- Std Express to Severe T4 to Pericarditis* Peripheral Vascular Disease (PVD)* Phlebitis, thrombosis, blood clot Single episode: <3 mo since diagnosis Postpone > 3 mo since full recovery Multiple episodes: < 6 mo since full recovery Postpone 6 mo to 1 year T3 1 to 3 years T2 > 3 years Single episode and >1 year since full recovery- Std Otherwise- Single episode and >1 year since full recovery- Std to Std Express Multiple episodes and >1 year since full recovery- Std to Std Express onsmoker T2 to T4 on-smoker- Std Express Smoker T5 to Smoker- Single episode, fully recovered Y Single episode, fully Multiple episodes to T4 recovered Single episode, fully recovered Monthly Disability Income Rider Pilonidal cyst Y Pituitary adenoma to Successful treatment & no complications- Std to Pleurisy Usually (multiple episodes may be rated) Y Single episode recovered Single episode recovered Medical Impairments *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 57

58 Underwriting Guidelines for Medical Impairments T=Table Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Pneumoconiosis Minimal to Mild to T4 Minimal or Mild- Std Express Moderate T6 to T8 Moderate to Severe- Severe Monthly Disability Income Rider Pneumonia, full recovery Y Pregnancy, no current or history of complications Y Prostatitis, with normal PSA Y Present or chronic Single episode/ full recovery Psychosis* <2 yrs since diagnosis/episode Postpone 2-10 yrs since diagnosis/episode T2 to T8 >10 yrs since diagnosis/episode to T3 Mild to moderate (very infrequent time lost from work, stable symptoms, 1 or 2 antidepressants, no suicide attempts)- Std Express Otherwise- Medical Impairments Pyelonephritis, acute One episode, fully recovered Y One episode, fully Multiple episodes to T3 recovered Pyelonephritis, chronic* to (depending on renal function) One episode, fully recovered Std to (depending on renal function) Quadriplegia Racing, motor vehicle Amateur Y Amateur Amateur Professional or semi-professional $2.50 to $5 flat extra Professional or semi-professional $2.50 to $5 Flat Extra Professional or semi-professional $2.50 to $5 Flat Extra Raynaud s Disease to T4 Y (if not rated) Std to Std Express Std to Std Express Rheumatic Fever, no heart complications Mild to T2 Mild cases and fully recovered- Moderate T2 Std to Std Express Otherwise- Severe T4 to Mild cases and fully recovered- Std to Std Express Moderate to Severe- Std Express to or Exclusion Rider o heart damage Rheumatoid Arthritis* See Arthritis, rheumatoid Sarcoidosis* ** to to Sebaceous cyst Y Sciatica Y or Exclusion Rider Schizophrenia* <2 yrs since diagnosis/episode Postpone 2 10 yrs since diagnosis/episode T2 to T8 >10 yrs since diagnosis/episode to T3 Mild to moderate (very infrequent time lost from work, stable symptoms, 1 or 2 antidepressants, no suicide attempts)- Std Express Otherwise- *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 58

59 Underwriting Guidelines for Medical Impairments T=Table Impairment Scuba diving, recreational, lakes, rivers, coastal waters Seizures See Epilepsy All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band feet or less feet $2.50 to $5 flat extra >250 feet $7.50 to $10 flat extra Y 100 feet or less feet $2.50 to $5 flat extra >250 feet $7.50 to $10 flat extra 100 feet or less feet $2.50 to $5 flat extra >250 feet $7.50 to $10 flat extra Monthly Disability Income Rider Sinusitis Y Sky diving $5 to $7.50 flat extra $5 to $7.50 flat extra $5 to $7.50 flat extra Sleep apnea** Mild Mild cases only- Std to Std Moderate to T3 Express Severe T2 to T4 Mild cases- Std to Std Express Moderate to Severe- Std Express to Stroke* ** <1 yr since occurrence Postpone Mild and >1 year since >1 yr since occurrence T4 to occurrence- Std Express to Multiple CVAs Otherwise- Suicide attempt* <1 yr since attempt Postpone 1-5 yrs since attempt $5 flat extra >5 yrs since attempt (if history of multiple attempts, expect higher ratings) <1 year since single attempt- Postpone 1-5 years since single attempt- $5 flat extra >5 years since single attempt- Multiple attempts- Thyroid disorder Usually Y Usually Usually Hypothyroid Hyperthyroid >2 yrs since diagnosed/stable Otherwise Transurethral resection of prostate (TURP) Transient Ischemic Attack (TIA)* ** no history of cancer: Y <6 mo since occurrence Postpone <6 months since single >6 mo since occurrence to T4 (if history of multiple TIA s, postpone 1 yr since last occurrence and expect higher ratings) occurrence- Postpone >6 months since single occurrence- Std to Std Express (If multiple TIA s, postpone 1 year from last occurrence and then Std Express to ) Medical Impairments Tuberculosis Usually Y (if fully recovered) Fully recovered- Std Fully recovered- Tumors, benign Usually Y Usually Usually or Exclusion Rider Tumors, malignant Call Home Office Call Home Office Ulcerative colitis* ** See Colitis, ulcerative *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 59

60 Underwriting Guidelines for Medical Impairments T=Table Impairment All products except Trendsetter Express Series & Trendsetter LB Series Band 1 & 2 Preferred Possible Trendsetter Express Series & Trendsetter LB Series Band 1 Band 2 Monthly Disability Income Rider Ulcer, stomach Y Present to within 2 yrs of treatment >2 yrs since treatment & fully recovered Upper respiratory tract infection, cold Varicocele, hydrocele, cystocele Urinary Bladder Infection, acute Y Y or Exclusion Rider Y Varicose veins Y Mild with no swelling or ulcerations Otherwise Medical Impairments Table Rating Guide 1/A = 25% 2/B = 50% 3/C = 75% 4/D = 100% 5/E = 125% 6/F = 150% 8/H = 200% 10/J = 250% 12/L = 300% 16/P = 400% *Indicates an Attending Physicians Statment (APS) will probably be needed. Underwriting will not be able to order an APS in Band 1. Generally will be limited to one APS, if needed in Band 2. **Indicates range of rating will depend on client s age, date of diagnosis, and severity of condition. 60

61 Left blank Intentionally Medical Impairments 61

62 Monthly Disability Income Rider (MDIR) Occupation Listing The MDI rider is available on Trendsetter Express & Trendsetter LB and must be approved by Underwriting. Part-time employees (defined as working less than 30 hours per week) are not eligible for the MDI rider. Certain occupations do not qualify for the rider coverage. Ineligible occupations may be due to hazards, persistency of business, seasonal/migrant work, or based on claims experience within the industry or company. Self-employed persons applying for the MDI rider are considered on an individual basis. Federal, state and municipal employees are normally not eligible (such applicants stating that they have no disability coverage would need to provide written documentation from their employer stating that no DI benefits are available). Total disability coverage should not exceed 66% of the insured s income (40% in California). This includes coverage provided by group or individual disability plans. Total Disability means the inability of the Rider Insured to perform the substantial and material duties of any occupation for which the Rider Insured is reasonably suited by education, training or experience. Total line of disability income coverage, inforce or applied for, should not exceed $10,000. Applicants must be employed in an occupation for salary, commission or profit, and must work full-time for at least 30 hours a week, 10 months a year. Key Y = Eligible = ot Eligible ** = Call Home Office regarding Municipal and State Employees. For Federal and Government Employees, the following apply: - Employment with the federal government of 10 years or less. - ormal occupational guidelines apply. (Ineligible occupations will still be uninsurable, even though employed by the federal government.) - Maximum benefit of $2,000/month subject to normal income guidelines and amount of coverage in force with other carriers. - Maximum 2 year benefit and 90 day elimination. - We will not offer coverage to an employee with any branch of the U.S. Military. Abstractor...Y Academic Dean...Y Accountant...Y Actor/Actress... Actuary...Y Acupuncturist (not MD)...Y Administrative Assistant...Y Advertising Firm (Executive, Supervision, Other)...Y Aerobics Instructor...Y Aeronautical Engineer...Y Agriculture (Farms, Orchards, Ranches, urseries,.dairy Farms, Hatcheries) or Manager, Foreman...Y Agriculture Hired Hand...Y Air Conditioning Installer, Mechanic, Servicer...Y Air Traffic Controller... Aircraft Mechanic...Y Alarm Installer/Servicer...Y Ambulance Driver, Attendant...Y Amusement/Sports... Amusement Park Employee... Anesthesiologist...Y Anesthetist...Y Animal Care Technicians/Vet Aides...Y Animator...Y Announcer (Radio & TV)...Y Answering Service...Y Antenna Erector and Maintenance...Y Antique Dealer...Y Apartment Building Manager...Y Appliance Repair, Install, Service...Y Appraiser (Insurance, Real Estate, Merchandise, Art)...Y Architect...Y Armed Forces Personnel... Armored Car Driver or Guard...Y Art Director...Y Art Gallery (Owner)...Y Art Restorer...Y Artist... Asbestos Worker... Asphalt Pavor/Worker...Y Assayer...Y Assessor...Y Athlete (Professional or Semi-Professional)... Athletic Coach/Trainer not Professional... Attorney...Y Auctioneer (Livestock, Other)...Y Audiologist...Y Auditor...Y Author, Journalist, Writer (Freelance)...Y Author, Journalist, Writer (no Freelance)...Y Auto Body Repair (Painter, Customizer, Pinstriper)... Auto Mechanic...Y Auto Rental (Executive, Supervision)...Y Auto, Trailer and Mobile Home Sales and Service (Owners)...Y Aviation (Pilots, Flight Attendants)... Aviation (See Transportation)... Bail Bondsman...Y Bailiff... Bakeries...Y Banking...Y Barber...Y Barber Shops, Beauty Parlors...Y Bartender...Y Beautician...Y 62

63 Bellboy, Bellhop, Bell Captain...Y Bicycle Repair/Mechanic...Y Billboard Erector... Blacksmith...Y Blaster... Bond Trader...Y Bonding Company (Owner)...Y Bookkeeper...Y Boom Operator (Motion Pic./TV)...Y Bowling Alley Manager or Cashier... Bricklayer...Y Bridge or Dam Worker... Broker (not on Trading Floor)...Y Broker (on Trading Floor)...Y Building Inspector...Y Building Mover or Wrecker Foreman...Y Building Mover or Wrecker Other...Y Building Services (Superintendent)...Y Building Services (Other)...Y Bulldozer Operator...Y Burglar Alarm Installer, Servicer...Y Bus Boy... Bus Companies...Y Bus Driver... Business Agent/Broker...Y Business Machine...Y Butcher...Y Buyer...Y Cab Driver... Cabinetmakers...Y Cable TV Company...Y Camera Operator (Motion Pic./TV)...Y Car Rental/Leasing...Y Car Wash (Office)...Y Car Wash (Other)...Y Caretaker (Groundskeeper)...Y Carpenter...Y Carpets/Rugs/Flooring Clean, Repair...Y Carpet Floor Installer... Cartographer...Y Cashier...Y Casino Worker... Catering Services (Office/Supervisor)...Y Catering Services (Other)...Y Cement & Concrete Finisher...Y Cemetary Manager, Office Duties...Y Census Taker...Y Chaplain...Y Chauffer... Check Cashing Service...Y Chef...Y Chemical Engineer...Y Chemist, Biologist...Y Child Care Worker...Y Chimney Sweep...Y Chiropodist...Y Chiropractor...Y Choreographer...Y Cinematographer...Y Circus Employee... Civil Engineer (not Government Employee)...Y.Claims Examiner...Y Cleaners & Dryers, Laundries (Office)...Y Cleaners & Dryers, Laundries (Other)...Y Clergy Member...Y Clerk...Y Clock & Watch Repair...Y Coach... Collection Agency (Office)...Y Collection Agency (Other)...Y Commercial Artist (not at Home or Freelance)...Y Commercial Photographers...Y Commodity Broker/Floor Trader...Y Composer...Y Computer Related Occupations...Y Concrete & Cement Finisher...Y Conservation Technician (Museums)...Y Construction (Exec.,Mgmt., Inspectors, Skilled Trade)...Y Construction (Unskilled Labor)...Y Cooks & Chefs...Y Copy Writer (Advertising)...Y Coroner...Y Correction Officer... Cosmetologist...Y Counselor/Psychologist...Y Couriers/Express Mail Services... Craneman, Crane Operator...Y Curator Museum or Art Gallery...Y Custodian...Y Custom House Broker...Y Dairy Farmer...Y Dairy Products Processing...Y Dairy Scientist...Y Day Care Center (not at Home) (Office/Supervisor)...Y Day Care Center (not at Home) (Other)...Y Decorator, Interior, Window and Display (Outside of Home)...Y Deliveryman (Short Haul, Home Every ight)...y Demolition Specialist... Dental Assistant...Y Dental Hygienist...Y Dental Lab Owner...Y Dental Lab Technician...Y Dentist...Y Detectives, Private...Y Dialysis Technician...Y Diamond Cutter, Polisher, or Sales...Y Dietary Aide...Y Dietician...Y Disc Jockey...Y Dishwashers, Busboys... Dispatcher...Y Display Designer...Y Diver... Dock Workers...Y Dog Groomer (Handler, Kennel Operator, Trainer)...Y Domestic Servant... Door & Window Installer...Y Draftsman...Y Dressmaker...Y 63

64 Driver (Local Delivery and Short Haul Deliveryman, Home Every ight)...y Driver (All Other)... Drug Stores...Y Dry Cleaner (Office)...Y Dry Cleaner (Other)...Y Drywall Installer...Y Editor...Y Electrical Appliance Repair...Y Electrical (Powerline, Foreman & Inspectors)...Y Electrical (Powerline, Other)...Y Electrician...Y Electrologist...Y Electroplater...Y Electrotyper...Y Elevator Installer or Repairman...Y Elevator Operator...Y Embalmer...Y Emergency Medical Technician...Y Employment Agencies...Y Endodontist...Y Engineer...Y Engraver...Y Escort Service... Etcher...Y Executive Recruiter...Y Exercise Instructor...Y Exotic Dancer... Explosive Handler... Exporter/Importer...Y Express Mail Delivery... Exterminator...Y Eye Glass/Lens Cutter, Grinder...Y Farmer...Y Fashion Designer...Y Fashion Model... Federal Marshal... Federal Employee...** Fence Erector/Installer...Y Film Developer/Processor...Y Film Editor...Y Film or Tape Librarian...Y Financial Consultant...Y Financial Service...Y Fire Alarm Installer, Repairman...Y Fire Extinguisher (Refill/Service)...Y Fire Fighter... Fire Marshall... Fish & Game Warden... Fish Farm/Hatchery...Y Fish Processing Plant...Y Fisherman... Flight Attendant... Flight Instructor...Y Floral Arranger/Designer...Y Florist...Y Forest Ranger/Forester... Freight Solicitor...Y Funeral Director...Y Furnace Installer, Repairman...Y Furniture Designer...Y Furniture Mover...Y Furniture Restorer...Y Furniture Upholster...Y Furrier...Y Gambling Casino (Owner)... Game Warden... Garage Foreman or Manager...Y Garbage Collector...Y Garbage Mechanic...Y Gardener (Full Time, not Seasonal)...Y Garment Sales...Y Gas Station Attendant...Y Gem Cutter/Polisher...Y Gemologist...Y Geologist...Y Glass Installation...Y Glazier...Y Golf Course Manager...Y Goldsmith...Y Golf Instructor/Pro... Government Employee...** Graphic Artist/Designer (Freelance)...Y Graphic Artist/Designer (not Freelance or Working From Home)...Y Greens Keeper...Y Grounds Keeper...Y Guard... Guidance Counselor...Y Guide (Travel/Tour)...Y Gunsmith...Y Hairdresser...Y Hairstylist...Y Harbor Master...Y Hazardous Waste Disposal (Executives, Office Only)...Y Health Club Manager...Y Hearing Aid Technician...Y Heating Installer/Repairman...Y Heavy Equipment Operator...Y Helicopter Mechanic...Y Helicopter Pilot... Home Health Care Worker... Horse Tender/Trainer (not Riding)...Y Hospital Administrator...Y Hospital Attendant, Orderly or Aide...Y Hospital Laboratory...Y Hotels and Motel (Office, Manager, Clerk)...Y Hotels and Motel (Housekeeper, Bellboy)...Y Housewives, Homemakers, Housekeeping... Hypnotherapist...Y Hypnotist...Y Illustrator (Freelance)...Y Illustrator (not Freelance)...Y Importer/Exporter...Y Incinerator Plant...Y 64

65 Income Tax Services...Y Industrial Water Softening...Y.Inhalation Therapist...Y Insurance Adjuster...Y Insurance Agent, Broker...Y Interior Decorator...Y Interior Designer...Y Internal Revenue Agent... Interpreter...Y Investigator (Private)...Y Investment Analyst, Broker (not on Trading Floor)...Y Iron, Steel Worker (Structural)... Jailer... Janitors...Y Jewelry Stores...Y Jockey... Journalist (Freelance)...Y Journalist (no Freelance)...Y Junk Dealer/Owner/Yardworker...Y Kennel Employee...Y Key Maker...Y Kidney Dialysis Technician...Y Lab Technician...Y Labor Unions (Organizer/Official)...Y Landscape Architect...Y Landscape/Horticulture Services (Office, Supervision, Foreman)...Y Landscape/Horticulture Services (Other)...Y Lawyer...Y Leasing Companies...Y Legal Assistant...Y Legal Stenographer...Y Legal Transcriber...Y Librarian...Y Lifeguard... Limousine Service (Office Only)...Y Lineman...Y Liquor Distribution (Manager, Sales, Distribution)...Y Liquor Distribution (Warehouse)...Y Liquor Distribution (Drivers, Delivery)... Liquor Manufacture (Administrative, Sales, Skilled Workers)...Y Liquor Manufacture (Laborer, Unskilled Workers)...Y Liquor Sales (Managers, Cashiers, Chefs, Cooks)...Y Literary Agent...Y Lithographer Printer...Y Livestock (Sales, Auctioneer, Buyer, etc.)...y Livestock (Sheepherder, Shearer, Other)...Y Lobbyist...Y Locksmith...Y Longshoreman...Y Lumber Industry... Lumberyard Workers (Administrative, Millwright, Graders)...Y Lumberyard Workers (Loaders, Truckers, Pilers, Other)...Y Machine Shop (Owner)...Y Magistrate...Y Mail Carrier... Mail Clerk/Sorter (not Employed by Government)...Y Maintenance Man/Engineer...Y Management Consultant...Y Manicurist...Y Manufacturer s Representative/Agent...Y Marine Industry: Marine Managers...Y Marine Industry: Merchant Seaman... Marine Industry: Ocean Going Ships: Physicians, Quartermaster, Radio Operator, Purser...Y Marine Industry: Ocean Going Ships, Tugs, Barges: Captains, Chief Officers, Engineers...Y Marine Industry: Other (no Commercial Fishermen)...Y Marine Industry: Other Workers...Y Market Research...Y Mason...Y Masseur/Masseuse...Y Meat Pack Plant (Management, Foreman)...Y Meat Pack Plant (Others)...Y Mechanic...Y Medical Assistant...Y Medical Intern, Resident...Y Medical Lab Worker...Y Medical Laboratory (Owner)...Y Medical Records Clerk...Y Medical Services...Y Medical Technician...Y Medical Technologist...Y Medical Transcriptionist...Y Meter Installer, Reader, Repairer...Y Midwife, Certified...Y Migrant Worker... Military Personnel... Mining Industry... Minister...Y Model... Modeling Agency Owner...Y Monument Workers...Y Mortgage Bankers...Y Mortician...Y Motivational Speaker... Movie Theaters (Management only)...y Moving & Storage Companies (Executive, Foreman, Checker, Watchman)...Y Moving & Storage Companies (Packer, Others, not Driving)...Y Municipal Employee...** Musical Instrument Repair...Y Musician (Conductor, Radio, TV Studio, Fulltime)...Y Musician (Others)... anny...y ewspaper Industry...Y otary...y uclear Pharmacist...Y uclear Power Plant...Y umismatists (Coin Collectors)...Y urse (Private Duty)... urse (R, LP)...Y urse (urses Aide, CA, not in Home)...Y urseries...y ursing Assistant...Y 65

66 utritionist...y Occupational Therapist...Y Office Machine Repair...Y Office Manager, Supervisor...Y Office Workers...Y Off Shore Workers...Y Oil & atural Gas Industry...Y Operator-Switchboard or Telegraph...Y Optician...Y Optometrist...Y Optometrist Assistant...Y Oral Hygienist...Y Oral Surgeon...Y Orderly (Hospital)...Y Orthodontist...Y Orthotist, Prosthetist...Y Ostepath...Y Otologist...Y Packing & Slaughter House (Supervision)...Y Packing & Slaughter House (Other)...Y Painter...Y Paperhanger...Y Paralegal Services...Y ic...y Park Superintendent, Ranger... Parking Lot Attendant...Y Parole Officer... Parts Clerk...Y Pastor...Y Pawnbrokers.....Y Pedodontist...Y Perfusionist...Y Periodontist...Y Personnel Manager...Y Personnel Recruiter...Y Pet Supply and Grooming...Y Pharmacist...Y Photoengraver...Y Photofinishing Laboratories (Owner)...Y Photographer (Commercial, Motion Picture)...Y Photographer (Freelance)...Y Physiatrist...Y Physical Medicine/Rehab...Y Physical Therapist...Y Physician...Y Physician s Assistant...Y Physicist...Y Piano Tuner, Technician...Y Piano/Safe Mover... Picture Framers...Y Pilot... Podiatrist...Y Police Officer, Inspector, Chief, Deputy, Detective... Porter...Y Post Office Employees... Powerhouse Workers...Y Preacher...Y Principal...Y Printers/Lithographers...Y Printing and Publishing...Y Prison Warden... Private Investigator...Y Probation Officer... Production Assistant Coordinator...Y Professional Office Managers...Y Professor...Y Program Director, Manager...Y Prosthetist...Y Prosthodontist...Y Psychiatrist...Y Psychological Counseling...Y Psychologist...Y Public Relations...Y Publicity Agent...Y Pump Station Operator...Y Purchasing Agent...Y Quarry Workers (Skilled, Other)...Y Quartermaster (Marine Industry)...Y Rabbi...Y Racing Employee... Radio/TV Communications...Y Radiologist...Y Real Estate Agent...Y Real Estate Sales...Y Receptionist...Y Recording Engineer...Y Recording/Production Owner...Y Recruiter...Y Reducing Salon...Y Referee... Rehabilitation Therapist...Y Rental/Leasing Companies...Y Reporter...Y Rerecording Mixer...Y Respiratory Therapist...Y Restaurants (Owner/Manager)...Y Restaurants (Other)...Y Rodeo Performer... Roofer... Rug Cleaner...Y Rug Sales...Y Sales Management...Y Sanitation Worker...Y School Superintendent...Y Scrap Metal Dealer...Y Screenwriter (freelance)... Script Supervisor...Y Scriptwriter...Y Sculptor... Seamstress (ot in Home)...Y Secretary...Y Security Alarm System...Y Security Guard... Set Designer...Y Sheet Metal Worker...Y 66

67 Sheriff... Shipping & Receiving Clerk...Y Shoe Repair...Y Shoe Shine Parlors...Y Short-wave Radio Operators...Y Signs and Billboards (Supervisors)...Y Signs and Billboards (Other)... Silversmith...Y Singer... Skating Rink Employee... Skiing Instructor... Small Appliance Repairer...Y Sound Mixer/Technician...Y Speech Therapist...Y Sports Team... Sprinkler/Irrigation System...Y Stable Owner/Operator...Y State Employee...** Steam Fitter...Y Steel Worker, Structural... Steeplejack... Stenographer...Y Steward, Stewardesss, Airline... Stock Clerk...Y Stockbroker...Y Street Cleaner...Y Stucco Worker...Y Studio Engineer/Technician...Y Subway/Tunnel Construction... Superintendent Schools...Y Supply Clerk...Y Surgeon...Y Surgical Technician...Y Surveyor, ot Arial...Y Swimming Pool Service...Y Switchboard Operator...Y Tailors (ot in Home)...Y Tanner...Y Tax Agent/Official... Taxicab Companies (Office Only)...Y Taxicab Companies (Others)... Taxidermist...Y Teachers...Y Technical Writer...Y Technician...Y Telegraph Operator...Y Telemarketer...Y Telephone Answering Service...Y Telephone Installer...Y Telephone Operator...Y Television Announcer...Y Television Producer, Director...Y Television Station Manager...Y Teller...Y Tennis Club Manager...Y Theater Industry Employee... Therapist...Y Therapist (Physical, Speech, Occupational, etc.)...y Tile Setter...Y Tire Repairer or Changer...Y Title Abstractor...Y Title Searcher...Y Tour Guide...Y Tow Truck Driver...Y Towing Service...Y Town Clerk... Trailer Park Operator...Y Transmitter Operator...Y Transportation Industry (Rail, Bus, Air): Baggage Handlers, Porters, Conductors, Engineers, Mechanics, Track Workers, Other Skilled Workers...Y Transportation Industry (Rail, Bus, Air): Office Duties, Ticket Agents, Inspectors, Bagging Agents...Y Transportation Industry (Rail, Bus, Air): Station/.Terminal Executives...Y Transportation Industry (Rail, Bus, Air): Truck Drivers, Bus Drivers... Trapper...Y Trash Collector...Y Travel Agencies...Y Tree Surgeon, Pruner, Trimmer...Y Truck Drivers... Typesetter...Y Typist...Y Ultrasound Technician...Y Umpire... Undertaker...Y Upholsterer...Y Usher...Y Varnisher...Y Vending Machine Worker... Veterinarian...Y Video Arcades...Y Video Machine Repair...Y Vocalist... Waiters/Waitress...Y Wardrobe Assistant...Y Warehouseman...Y Waste/Water Disposal...Y Watch Repair...Y Watchman... Waterworks Employees...Y Weather Observers...Y Welder (Ground, Platform)...Y Welder (Structural Work)... Welfare Workers... Well Driller...Y Wholesale...Y Window & Door Installer...Y Window Decorator...Y Window Washer...Y Xenographer...Y X-Ray Technician, Inspector, Repair...Y Zoologist...Y 67

68 For products referenced in this guide, please refer to the most current product portfolio. Insurance Products offered by Transamerica Life Insurance Company, Cedar Rapids, IA MO: 70 & 83 For agent use only. ot for public distribution