Term Insurance

Elite Select Nontobacco:

Alcohol/Drugs: No history of alcohol or substance abuse

Aviation: No private aviation

Blood Pressure: No treatment; Ages<=50 130/80; Ages 51+ 135/85

Build: See Chart

Cancer History: No history except basal cell skin cancer

Cholesterol: No history or treatment >100 & <200; CHDL/HDL <4.0

Driving History: No DUI in last 10 years, no more than 1 violation in last 3 years

Medical History: No history of heart or vascular disease, cancer, diabetes or repitory disease, no ratable or near ratable conditions, blood and urine results must be within normal limits

Avocation: No participation

Occupation: No hazardous duties

Residency: U.S. resident for 3 years. Must have permanent visa or greencard

Foreign Travel: No travel to underdeveloped or politically unstable countries. No state department travel warning in effect.

Family History: No occurrence of heart disease, cancer, or DM in parents, grandparents, or siblings prior to age 60

Super Select Nontobacco:

Alcohol/Drugs: No history of alcohol or substance abuse

Aviation: No private aviation

Blood Pressure: No treatment; Ages<=40 135/85 Ages 41+ 140/85

Build: See Chart

Cancer History: No history except basal cell skin cancer

Cholesterol: Treatment OK; Ages<=40 >100 & <200; Ages 41+ >130 & <220; CHDL/HDL <5.0

Driving History: No DUI in last 10 years, no more than 1 violation in last 2 years

Medical History: No history of heart or vascular disease, cancer, no ratable conditions, blood and urine results must be within normal limits

Avocation: No participation

Occupation: No hazardous duties

Residency: U.S. resident for 3 years. Must have permanent visa or greencard

Foreign Travel: No travel to underdeveloped or politically unstable countries. No state department travel warning in effect.

Family History: No occurrence of heart disease or cancer in parents, grandparents, or siblings prior to age 60

Select Plus Nontobacco:

Alcohol/Drugs: No history of alcohol or substance abuse

Aviation: Exclusion rider

Blood Pressure: No treatment; Ages<=40 140/90; Ages 41+ 145/92

Build: See Chart

Cancer History: No history except basal cell skin cancer

Cholesterol: Treatment OK; >100 & <230; CHDL/HDL <6.5

Driving History: No DUI in last 10 years, no more than 2 violation in last 3 years

Medical History: No history of CV, DM, or cancer, no ratable health impairments

Avocation: No participation

Occupation: No hazardous duties

Residency: U.S. resident for 3 years. Must have permanent visa or greencard

Foreign Travel: No travel to underdeveloped or politically unstable countries. No state department travel warning in effect.

Family History: No 2 parents or siblings with heart disease or cancer prior to age 60.

Select Nontobacco:

Alcohol/Drugs: No history of alcohol or substance abuse in last 7 years

Aviation: Exclusion rider

Blood Pressure: Treatment OK if on 1 medication; Ages<=40 145/92; Ages 41+ 150/92

Build: See Chart

Cancer History: No ratable history

Cholesterol: Treatment OK; >100 & <260; CHDL/HDL <8.0

Driving History: No DUI in last 7 years, no more than 2 violation in last 2 years

Medical History: No history of CV or cancer, no ratable health impairments

Avocation: Normal guidelines. Flat extra Available

Occupation: Normal guidelines. Flat extra Available

Residency: Normal guidelines. Flat extra Available

Foreign Travel: Normal guidelines. Flat extra Available

Family History: No deaths due to heart disease or cancer prior to age 60

Nontobacco:

Alcohol/Drugs: No history of alcohol or substance abuse in last 5 years

Aviation: Normal guidelines. Flat extra available

Blood Pressure: Treatment OK if only on 1 or 2 medications; Average past year <= 150/92 (up to table 2)

Build: Normal guidelines (up to table 2)

Cancer History: Normal guidelines (up to table 2)

Cholesterol: Treatment OK; >100 & <310 (up to talbe 2); CHDL/HDL <9.9 (up to table 2)

Driving History: Normal guidelines. Flat extra Available

Medical History: Normal guidelines (up to table 2)

Avocation: Normal guidelines. Flat extra Available

Occupation: Normal guidelines. Flat extra Available

Residency: Normal guidelines. Flat extra Available

Foreign Travel: Normal guidelines. Flat extra Available

Family History: Normal guidelines

Preferred Plus Tobacco:

Alcohol/Drugs: No history of alcohol or substance abuse

Aviation: Exclusion rider

Blood Pressure: No treatment; Ages<=40 140/90; Ages 41+ 145/92

Build: See Chart

Cancer History: No history except basal cell skin cancer

Cholesterol: Treatment OK; >100 & <230; CHDL/HDL <6.5

Driving History: No DUI in last 10 years, no more than 2 violation in last 3 years

Medical History: No history of CV, DM, or cancer, no ratable health impairments

Avocation: No participation

Occupation: No hazardous duties

Residency: U.S. resident for 3 years. Must have permanent visa or greencard

Foreign Travel: No travel to underdeveloped or politically unstable countries. No state department travel warning in effect.

Family History: No 2 parents or siblings with heart disease or cancer prior to age 60.

Preferred Tobacco:

Alcohol/Drugs: No history of alcohol or substance abuse in last 5 years

Aviation: Normal guidelines. Flat extra available

Blood Pressure: Treatment OK if only on 1 or 2 medications; Average past year <= 150/92 (up to table 2)

Build: Normal guidelines (up to table 2)

Cancer History: Normal guidelines (up to table 2)

Cholesterol: Treatment OK; >100 & <310 (up to talbe 2); CHDL/HDL <9.9 (up to table 2)

Driving History: Normal guidelines. Flat extra Available

Medical History: Normal guidelines (up to table 2)

Avocation: Normal guidelines. Flat extra Available

Occupation: Normal guidelines. Flat extra Available

Residency: Normal guidelines. Flat extra Available

Foreign Travel: Normal guidelines. Flat extra Available

Family History: Normal guidelines