Underwriting Guidelines - Life Insurance

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American General Life Insurance Company Underwriting and Claims Guide January 2016 This guide is the property of American General Life Insurance Company (American General Life). In the event the person to whom it has been issued should leave the Company’s service, it is to be returned to the Manager immediately. Proprietary Information. This guide is entrusted to you solely for use in your capacity as American General Life’s Agent. You should not share it with American General Life’s competitors or share it for any other purpose. TAX GUIDE Neither the Agent nor the company is authorized to offer tax advice. The information presented in this guide represents the understanding of the company with respect to current tax law. This information is not intended to be used in place of competent tax advice provided by the client’s accountant, attorney or other qualified tax consultant.

American General Life Insurance Company A member of American International Group, Inc. (AIG)

American General Center • Nashville, TN 37250-0001

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

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Table of Contents Introduction.................................................................................................................................................................................................. 3 Agent’s Responsibility in Underwriting......................................................................................................................................................... 4 Full Disclosure.............................................................................................................................................................................................. 4 Disclosure Notices....................................................................................................................................................................................... 4 Completing the Application.......................................................................................................................................................................... 5 Agent’s Report.............................................................................................................................................................................................. 6 Collection of Premium With Application....................................................................................................................................................... 6 Tips for Faster Processing........................................................................................................................................................................... 6 The Quick-Quote Process............................................................................................................................................................................ 7 Trial Applications.......................................................................................................................................................................................... 7 Declined Applications................................................................................................................................................................................... 8 Contacting Producer Care............................................................................................................................................................................ 8 Financial Underwriting.................................................................................................................................................................................. 8 Investor Owned Life Insurance..................................................................................................................................................................... 8 Premium Financing....................................................................................................................................................................................... 9 Personal Applications over $500,000 and Business Applications over $250,000....................................................................................... 9 Social Security, SSI, Welfare...................................................................................................................................................................... 10 Bankruptcy................................................................................................................................................................................................. 10 Business Life Insurance............................................................................................................................................................................. 11 How to complete the Financial Questionnaire........................................................................................................................................... 12 Charitable Giving/Non-Profit Organizations Involving the Sale of Life Insurance...................................................................................... 13 Occupations............................................................................................................................................................................................... 14 Military Risks.............................................................................................................................................................................................. 15 Aviation....................................................................................................................................................................................................... 16 Avocations.................................................................................................................................................................................................. 17 Motor Vehicle Violations............................................................................................................................................................................. 17 Criminal Activity.......................................................................................................................................................................................... 17 Non Citizen and Foreign National Guidelines............................................................................................................................................. 18 Foreign Travel Guidelines........................................................................................................................................................................... 21 Juvenile Insurance...................................................................................................................................................................................... 24 Underwriting Requirements........................................................................................................................................................................ 24 Total Line of Coverage with American General Companies....................................................................................................................... 27 Attending Physician Statement (APS)........................................................................................................................................................ 27 Prescription Database................................................................................................................................................................................ 28 Timeframe for Acceptance of Underwriting Requirements........................................................................................................................ 28 Policy Change Transactions....................................................................................................................................................................... 28 Retention and Reinsurance Limits............................................................................................................................................................. 28 Non Tobacco Rate Class............................................................................................................................................................................ 28 Preferred Underwriting............................................................................................................................................................................... 28 Medical History.......................................................................................................................................................................................... 32 Overweight................................................................................................................................................................................................. 33 Maximum Substandard Ratings per Age................................................................................................................................................... 33 Underwriting Medical Impairments............................................................................................................................................................ 34 Automatic Bank Check (ABC) Mode.......................................................................................................................................................... 46 Policy Illustrations...................................................................................................................................................................................... 46 Replacements............................................................................................................................................................................................ 47 Policy Delivery............................................................................................................................................................................................ 47 Worksite Marketing..................................................................................................................................................................................... 48 Life Claims Guidelines................................................................................................................................................................................ 51 Accelerated Benefit Rider Claim Filing Guidelines..................................................................................................................................... 52 Health Claims Forms and Requirements Guide......................................................................................................................................... 54

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Introduction Our Philosophy American General Life’s life insurance underwriting practices reflect a core philosophy that focuses on the needs of our producers and their clients. Underwrite the Person American General Life takes an inclusive view of the applicant. Our assessment process underwrites the person, not simply the medical history. For example, not all diabetics carry the same risk. Some may be assessed more favorably than others. We recognize that, although someone may have a health impairment, favorable factors can help reduce the extra risk associated with this impairment. We recognize there is a real person within the paperwork. Enhance Relationships We have the utmost respect for the Agent/client relationship and are committed to underwriting practices that strengthen that relationship. Excel in Service and Fairness Recognizing the choices available today, we believe working to provide excellent service and best offers possible differentiates our Company. We Bring This Philosophy to Life Through Our Commitment to: • Provide well-trained medical and underwriting professionals • Keep our underwriting guidelines up-to-date to reflect medical advancements • Continually monitor mortality trends • Continually update our debit/credit system to acknowledge favorable factors such as family history, lipids, EKG, recent testing and tobacco status • Leverage current technology to make it easy to do business with These guidelines are subject to change. Each case is individually underwritten as the severity of medical conditions varies among individuals. Formal underwriting evaluation and pricing is based on the individual characteristics of each case. We strive to make prudent and competitive underwriting decisions that ensure needed protection will be there for you and your clients.

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Agent’s Responsibility in Underwriting This Underwriting Guide has been written to assist the Agent in the submission of applications and the processing required in the New Business Department. This Guide can not cover every situation which will arise in writing business for the Company. All questions should first be referred to your local management. Any questions that cannot be resolved locally should be referred to the Producer Care Group. The quantity and quality of new business issued is essential to the success of our Company. The job of both the Agent and the Nashville Office Underwriter in the selection of business is to ensure the Company can maintain a competitive position and better serve its insureds. The job of the Agent is very important in this process. The Agent is often the only Company representative who has face-to-face contact with the Proposed Insured. The observations of the Agent are key and must be communicated fully in the completion of applications. When the Agent is aware of any adverse information regarding the Proposed Insured’s insurability it is the Agent’s duty to communicate full details of such information to the Nashville Office Underwriter. A medical exam or inspection report alone will not relieve the Agent from communicating all details to underwriting. Failure to disclose significant information observed or provided by the applicant (i.e. understating weight) may result in an Underwriting violation. Uninsurable Proposed Insureds. Applications should not be taken on, completed or submitted on persons who are uninsurable, including but not limited to those who are hospitalized, confined to any medical facility, hospice, nursing home, incarcerated in any jail, prison or other penal or correctional facility. Applications should not be written on any individual who is residing in a Group Home unless you have discussed the application with a Manager in the Underwriting Department at the Nashville Office. A group home is defined as any type facility where non-related residents live on a permanent basis and pay for some degree of supervision or care. Conditional Receipt. If a premium deposit is accepted with the application, a conditional receipt that accurately sets forth the amount of premium deposited should be left with the applicant. The conditional receipt sets forth the conditions under which temporary insurance will be provided. The conditions of this temporary coverage should be brought to the attention of the applicant, who should be encouraged to carefully read the conditional receipt. The Agent’s underwriting responsibility does not end with the forwarding of a completed application to the Nashville Office. If any information which affects the insurability of a proposed insured comes to the Agent’s attention prior to or at the time of the delivery of the policy, such information should be promptly communicated to the Managing Director and by the Manager Director to Nashville Office Underwriting. Likewise, if during the contestable period the Agent learns of information which 1) affects the Insured’s insurability, and 2) existed prior to the date of the application, and 3) was not divulged on the application, this information should be promptly communicated to the Managing Director and by the Managing Director to Nashville Office Underwriting. Agents are representatives of the Company, however they have no authority to waive any question, modify an application or bind the Company to any contract of insurance. They can make no separate agreements in reference to any policy.

Full Disclosure The job of the Nashville Office Underwriter and Agent is made easier if full disclosure is made on the application for insurance. The processing will be smoother and faster if full and complete information is provided on the application. The Nashville Office Underwriter makes decisions on insurability based upon the facts as presented in the answers to questions on the application. In addition, for certain amounts or if certain circumstances are present, the Underwriter may also utilize underwriting tools such as medical exams, laboratory test results, attending physician reports, and information sources such as commercial inspection reports, telephone interviews, Medical Information Bureau (MIB) if confirmed through independent sources, questionnaires, motor vehicle reports and other sources in the underwriting process. The Nashville Office Underwriter reserves the right to secure all information necessary to make a reasonable decision. It is the goal of the Nashville Office Underwriter to classify risks, by mortality factors, to the most accurate degree possible. To do this will occasionally require that additional information be secured.

Disclosure Notices Federal Law 91-508, also known as the Fair Credit Reporting Act, requires the Proposed Insured be given a written notice advising a commercial inspection report may be secured, the nature and scope of such a report, and the Proposed Insured’s rights under the law. The Medical Information Bureau also requires the Proposed Insured be given a written notice BEFORE the application is completed. This notice informs the Proposed Insured of the existence of the MIB; that some information concerning the Proposed Insured may be submitted to the Bureau by the insurance company to which application is being made; the general circumstances under which it will be released to other companies, and that the Proposed Insured can seek disclosure of and, if felt necessary, dispute the accuracy of the information. By the acceptance of this notice and willingness to proceed with the completion of the application, the Proposed Insured is presumed to have given consent for the Company to send relevant information to the Medical Information Bureau. These notices are detachable from paper applications and other forms for which they are required. The Agent should have a supply of these notices for distribution when using electronic applications. If the Proposed Insured refuses to accept them, the Agent should immediately discontinue application completion.

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The states of Arizona, California, Georgia, Illinois, Kansas, Nevada, New Jersey, North Carolina, Ohio, Oregon, and Virginia have insurance information and privacy protection laws which require that the Proposed Insured be given a notice of information practices at the time the application is complete. This notice informs the Proposed Insured about the types of personal information that may be collected, the types of sources that may be used to collect it, the circumstances under which such personal information may be disclosed to others, and the Proposed Insured’s right to access and to correct recorded personal information. By signing the authorization to obtain and disclose information, the Proposed Insured gives consent to the collection and appropriate disclosure of personal information. When using the Electronic App, the Agent will obtain the signature of the Proposed Insured on the authorization section of the electronic application and give the Proposed Insured a paper copy of the Notice of Information Practices, AGLA 4000N2. When taking a paper application, the Agent will utilize AGLA 2118A. After obtaining the signature of the Proposed Insured on the Authorization, the Agent will detach the Notice of Information Practices and give it to the Proposed Insured. NON-COMPLIANCE WITH THESE REQUIREMENTS MAY RESULT IN SERIOUS COMPLICATIONS FOR THE AGENT AND THE COMPANY. APPLICATIONS RECEIVED IN THE NASHVILLE OFFICE WITH DISCLOSURE NOTICES STILL ATTACHED CANNOT BE ACCEPTED AND MUST BE RETURNED.

Completing the Application

The application is the basis of the contract of insurance between the Company and the Applicant. Every question in the application is important and must be accurately and completely answered if required to be answered. Each question is to be read to the Proposed Insured (except in the case of insurance of a minor child, in which case the questions should be read to the Applicant) and the answers recorded as given. Care should be given to completing the proper application for the insurance plan requested. Applications must be completed, dated, signed by the Applicant and Proposed Insured(s) (if different from Applicant) and witnessed by the Agent in the presence of the Applicant/Proposed Insured. Applications cannot be mailed or left with the Applicant for completion. Dark Ink. Dark ink must be used to complete paper applications. Black ink is preferable. Do not complete the applications in pencil. Names. Print the first name, middle name or initial and last name of the Proposed Insured, beneficiary and other family members to be insured. Full names should be used. Do not use nicknames or initials. Addresses. Correct addresses are important. If premium notices are to be mailed to an address which differs from the resident address this must be clearly shown on the application. If the amount of insurance is $250,000 or more you should provide addresses covering a minimum of the last five years for the Proposed Insured. Former addresses should be given in the remarks section on the back of the application. Social Security Number. Always include the social security number of the Proposed Owner of the policy on the application. On juvenile applications, we need both the child’s and the Owner’s social security numbers on the application. The child’s number will become important if and when the policy ownership transfers to the child. Date of Birth. The date of birth determines the age at which the policy will be issued. Therefore, it is important that this be recorded accurately on the application. If the age and date of birth recorded on the application do not agree, the normal procedure is to change the age to agree with the date of birth. If the Agent has any reason to question the accuracy of the date of birth he or she should ask for documentation such as a driver’s license or birth certificate. The Agent should be aware of an upcoming age change and request the policy be dated to save age when applicable. Height and Weight. Accuracy is essential for this information. If accuracy is in doubt, note on the Agent’s Report. Occupation. Provide full details concerning the Proposed Insured’s occupation including duties, specific industry involved and any other part time or temporary occupations. All activities providing the Proposed Insured with income should be provided. Additional details should be included specifying the reasons a PI is unemployed, disabled or retired prior to the normal retirement age. Plan of Insurance. To designate the basic policy applied for on paper applications, use the abbreviated plan code (WL, ML, etc.). Term riders, family riders, and optional benefit riders applied for must be accurately identified. The amount and/or duration must also be included where needed. If family coverage is applied for you must complete the section of the application where the spouse and/or children are to be listed. Beneficiary. The beneficiary should be designated using the full name. In the case of a married woman use her given name, middle initial and the family name of her husband if she has taken her husband’s name; such as “Mary A. Smith, wife” rather than “Mrs. William Smith, wife”. The correct relationship to the Primary Proposed Insured should be given. In general, an Owner can legally designate anyone as beneficiary without regard to that person’s insurable interest. However, the purpose for which life insurance is and should be purchased is best served if the beneficiary is a person who has an insurable interest in the life of the Proposed Insured. In fact, the laws in some states require the beneficiary to have an insurable interest in limited situations, usually involving minor insureds. The Agent should always encourage the naming of a beneficiary with insurable interest. An insurable interest in another person’s life can be defined as any reasonable expectation of benefits or advantage from the continued life of another person. Such a benefit or advantage need not be monetary. It may also arise from natural affection or dependence. Any application submitted with a questionable beneficiary must be fully explained by the Agent. If the application presents a possible speculative risk, the Underwriter reserves the right to decline to issue a policy.

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Signature. The application for insurance is the legal contract between the Company and the Applicant. As such, the information recorded on the application and the signatures captured are the most important elements in the Field Underwriting Process. Proposed Insured age 16 and above must sign the application (18 in PA). The Proposed Insured’s and Applicant’s (Owner) signature(s) must be made by their own hand. The mark of the Proposed Insured or the Applicant may be accepted only when that person is unable to write. The mark must be made by the person’s own hand and must be witnessed by someone in addition to the Agent. The Agent must provide an explanation for the Applicant’s inability to provide a signature. No signature should ever be changed or traced. The Agent must never allow someone other than the Proposed Insured and/or applicant to sign the application for them. Such a signature may be considered a forgery. Forgery is a felony in many states and will not be tolerated by the Company. Anyone discovered obtaining signatures on any Company forms, including an application, from some one other than the person whose signature should be provided, will be subject to disciplinary action up to and including termination of his or her contractual relationship with the Company and, if applicable, his or her employment and may be subject to prosecution. Power of Attorney (POA). The Company will not accept the signature of an attorney-in-fact on behalf of the Proposed Insured since it violates the Company’s underwriting rules. Except as otherwise provided by Company rule, the Company requires the soliciting Agent to personally view the Proposed Insured as part of the risk appraisal and requires the health questions to be answered by the Proposed Insured rather than a third party. Most POA documents permit another person to transact business for an individual in their absence, illness or incompetency. Certain transactions, i.e. voting and applying for life or health insurance are personal and cannot be executed by another person.

Agent’s Report The Agent’s Report is to be completed with every application. It is an important means of developing underwriting information and should be completed with care. Some of the questions in the report may require direct inquiry by the Agent and some may be answered from the Agent’s observations, personal knowledge or records. By providing the information and other pertinent information with the application the Underwriter is in a better position to make a decision quickly.

Collection of Premium With Application Premium should never be collected when the face amount is greater than $500,000 (unless Nashville Office Underwriting has otherwise approved).

Tips for Faster Processing There are a number of things the Agent can do to maximize faster processing of applications. Some of these include: 1. Use the Electronic App 2. Review all applications for accuracy before submitting. Applications should include proper detail to allow for proper processing. 3. On paper applications, make sure the plan, amount, benefits and riders, and mode are available at the age of the Proposed Insured before you submit the application. 4. On paper applications check the premium and mode to make sure it is available. Some modes are not available on some plans and/or amounts. 5. Make sure the beneficiary is fully explained if it is not one of the beneficiaries listed as acceptable in the Beneficiary Section of this guide. 6. Make sure you have all of the required signatures before submitting the application. 7. Complete and attach a Physical History Questionnaire to the application if you have any question about the required explanation on medical impairments. 8. Submit all required authorizations, replacement forms, etc. with paper applications. We recommend you retain a photocopy of all paperwork submitted. 9. Additional forms required on electronic applications should be faxed to 615-749-1FAX. Determine the policy number after the electronic app is submitted, write same on the form and then fax. Use the Agent’s Remarks section to notify the New Business Department that the additional form is to follow. If you are not sure that any item is sufficiently covered by the application, attach a separate piece of paper to the application explaining the situation to the Underwriter. The more complete the information on the application, the smoother the flow of the application will be. All these tips are important to providing the service levels desired. There are legitimate times when you or your Manager should call to expedite processing. There are also times when calls impede the process. Know the difference and call only if it will expedite processing.

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Worksite Applications • Mail all Worksite Applications using the envelope specifically for Worksite Business – 32F11 • Utilize the email and fax specifically for Worksite [email protected] 615-749-2817 fax • Refer to Product Announcement PA04-01 regarding revision of ineligible business list for Worksite Marketing. • Use correct Form 8564 - New Case Checklist • Use correct 8524 - Voluntary Benefits Transmittal Form – Form must be completed in full. • Provide form 8520, Payroll Deduction Client Company Update when adding multiple applications to existing group. Include the existing Group Number on this form. • Section 125 is available on AG Worksite TermSM. • Refer to Worksite Marketing Section for additional case forms.

The Quick-Quote Process • The Quick-Quote process helps the Agent obtain valuable input from New Business without completing an application for cases that may involve:

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Existing serious medical or physical impairment Adverse medical or physical history Considerably overweight A known or suspected insurance hazard Previously declined, postponed or rated

• This saves time for both the Agent and proposed insured. It reduces the likelihood of the Agent completing the application, collecting the initial premium, and then having the case declined or rated. • Your Manager or Local Office staff may submit an email Quick Quote request to the Home Office. These requests are generally responded to within 4-6 business hours via email. • Provide the following information to your contact person in your Local Office: Client’s age, gender, proposed face amount, Medical factor(s) known (height, weight, blood pressure, cholesterol, etc.); Significant Medical condition(s), Date(s) of onset and treatment(s), Current Medications. • Remember, the Quick Quote response will only be as accurate at the information provided.

Trial Applications If the insurability of the Proposed Insured is in question or the total amount applied for exceeds $500,000, the application should be submitted as a Trial Application. Trial applications are not to be used for situations involving difficulty in collecting the initial premium. To treat an application as a Trial Application the Agent should: 1. 2. 3. 4. 5.

not collect any premium or partial premium with the application, not give any conditional receipt to the Applicant or Proposed Insured, obtain all authorization signatures on the application, complete all required disclosures, notices, illustrations, replacement forms, etc., If a paper application is submitted do not write trial application on the face of the application form. To do so disallows us from using the application if a policy can be issued. Write Trial Application in the Agent’s Report on the back of the application and 6. do not request any medical examinations if submitting a Trial Application due to questionable health. 7. if submitting a “Trial Application”, or a paper COD application for amounts exceeding $500,000 and the questions on the application do not indicated questionable health, Agents are to proceed acquiring Underwriting Requirements. Trial applications should be completed only for the following situations: 1. any company has, within the last three years, declined the Proposed Insured for insurance or postponed an application for insurance. 2. the Proposed Insured has been diagnosed as having or been treated for alcoholism, cancer or malignancy, myocardial infarction (heart attack), angina, insulin dependent diabetes mellitus, emphysema, organ transplant or stroke within the last five years. Refer to the Underwriting Medical Impairments section of this guide. 3. the Proposed Insured has been hospitalized within the last four months. 4. the “Total Amount” (Benefit + Riders) being applied for on any one life exceeds $500,000 (unless Nashville Office Underwriting has otherwise approved). The Agent should provide full details regarding the medical history or condition that caused the application to be submitted as a Trial Application. All doctor’s, clinics, hospitals or other medical providers who have relevant medical records on the Proposed Insured should be listed with full name, address and telephone number provided. If you have questions regarding the procedure for submitting or writing Trial Applications which cannot be answered by local management please contact New Business Produce Care Group. 7

Declined Applications A notice of decline letter will be sent to the Agent on each application that has been declined or postponed. Refunds for declined applications are automatically initiated at the time of decline. Refunds are mailed to the payor of the policy.

Contacting Producer Care If you are calling the Producer’s Care Unit at 1-800-351-2452, Option 4 then Option 2, (For Partners Group, 1-800-255-2702, Option 1) there are a number of things you should consider before calling. • Never call until you are sure the question cannot be answered by your local management team. • Do not call to ask if an item has been received until the New Business Department has had sufficient time to process the document and update the system. • Give the New Business Department time to process information before calling to ask about it. • When calling, have the file number ready to give to the person you are calling. • If no file number is available, have the full name of the Proposed Insured and date of birth of the Proposed Insured ready to give to the person you are calling. • If you are calling about a laboratory report, please have the lab identification bar code number available. Do not call earlier than one week after the specimen collection.

Financial Underwriting The amount of insurance in force and applied for must be proportionate to the applicant’s income. The table below shows the MAXIMUM income multiple for different ages. For example, an applicant under age 40 could apply for up to 25 times his or her annual income. Higher amounts may be considered based on the specific needs developed by the Agent.

Age

Income Factor*



≤ 40 41 – 50 51 – 55 56 – 65 66 – 70 ≥ 71

25 20 15 10 5 Individual Consideration

* Multiply annual earned income by this figure to determine maximum amount. The maximum multiple for individuals under age 50 with incomes under $25,000 is 10. • For a nonworking spouse age 65 or less and working spouse coverage known: Household income is less than $25,000, we will allow up to 10 times the income of the working spouse. Household income ≥ $25,000, we will match the working spouses coverage up to $1,000,000. Amounts over $1,000,000 will be individually considered based on estate planning needs. • For a nonworking spouse age 65 or less and working spouse coverage unknown: Household income is less than $25,000, we will allow up to 10 times the income of the working spouse. Household income $25,000 - $99,999, we will allow up to $250,000 on the nonworking spouse. Household income $100,000 or more, we will allow up to $500,000 on the nonworking spouse. • For a nonworking spouse over age 65: The amount of coverage must be justified using estate planning needs. • Estate Conservation need is based on the taxable value of the estate. Provide estate conservation analysis with the application. Maximum allowable growth rate is 6 percent up to a maximum limit of double the current gross estate. To consider higher amounts of personal coverage, additional needs must be supported on the questionnaire or other supporting documents, such as the Factfinder (50B) or Journey Factfinder. In the case where the primary insured does not have an earned income (i.e., housewife, retired person, unemployed person) the Agent should submit documentation which justifies the amount of insurance applied for.

Investor Owned Life Insurance (IOLI) American General Life does not accept applications that are investor owned, stranger owned, or viatical transactions.

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Premium Financing NAIC Illustration along with a Premium Financing Proposal, initialed and dated, must be submitted with any application involving premium financing. For cases involving premium financing, the Agent Certification (form 6202) is required with any application for permanent life insurance with a death benefit of $500,000 or more and the insured is age 67 or older. American General Life reserves the right to request this form on other applications as appropriate. Eligibility Requirements for Premium Financing include: • Ages 40-65 • Have earned income of $150,000 annually, and • Have a minimum net worth of $5,000,000 NAIC Illustration along with a Premium Financing Proposal, initialed and dated, must be submitted with any application involving premium financing. Two forms that need to be included with the application on Premium Financing cases: • Premium Financing Agent Acknowledgement (form 6203) which only needs to be completed once with American General Life. • Premium Financing Customer Acknowledgement (form 6204) which needs to be completed for each Premium Financing case.

Personal Applications Over $500,000 and Business Applications Over $250,000 In addition to a properly completed application, a cover letter is required for personal applications over $500,000 and business applications over $250,000. Cover letters can help “move” business through the underwriting process and result in a fair and prompt decision on cases. The Underwriter never sees the applicant and relies entirely on the Agent’s information for their perspective. The information in the cover letter should amplify what is in the application and is the Agent’s communication with the Underwriter. Include any important facts about the applicant. Typically the cover letter should include the following: • Amount of insurance: State the amount of coverage applied for versus the proposed insured’s income and the purpose of coverage (business or personal). Advise how the amount of insurance was determined and the purpose (multiple of income, funding a buy-sell agreement, etc.) Refer to the Financial Underwriting section of this Guide and use the Income Factor as a basis for determining eligible income replacement amounts. Explain the need for amounts exceeding the income multiple. • Cross Reference of any Other Applications: Such as business partners, family members or multiple applications on one applicant. • Employment: Give details regarding the proposed insured’s business or employment. “Business Owner” or “Self employed” is not sufficient. • Other Documentation: Submit the most recent balance sheet and income statement when the purpose is business coverage. If the purpose of the insurance is an estate plan, buy-sell agreement, etc., attach a copy of written documents such as buy-sell agreement or an affidavit or certificate of trust, including state approved certificates of trust. • Replacement: Explain fully any replacement of in force coverage. Explain exactly what is being replaced and why. If not being replaced, make sure an explanation of the need for the total line is included. Submit a replacement form if required. • Avocations: For avocations, complete the appropriate questionnaire as applicable. Just the “occasional dive” made on vacation can hold up the case if the Underwriter was not aware at initial review. • Foreign Travel: If foreign travel is planned, include your state approved Foreign Travel/Residence Questionnaire. Foreign travel is more prevalent in today’s global environment and more important to the Underwriter because of daily changing events in the world. • Trust as Policy Owner or Beneficiary: If a trust is to be owner of the policy, include with the application a Certification of Trust form AGLC2239COT. The trustee must sign the application for the trust. The beneficiary section of the application should be clear as to the name and date of the trust agreement. If a trust is in the process of being created at time of application and will be completed soon, the Agent may send a COD application unsigned by the expected trustee. A cover letter from the Agent explaining the circumstances should be included with the COD application. Once the trust has been created, a new application with the trustee’s signature as owner of the life insurance and any additional forms that require an owner’s signature should be submitted with a new cover letter as described above and underwriting will be applied from the original application. Applications of $10,000,000 and up require special handling. Contact the Nashville Office Underwriting Department prior to submitting applications for these amounts.

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Social Security, SSI, Welfare

Unemployed or receiving Welfare. The Agent will, on occasion, meet families where the head of household is unemployed. While many of these families may have need for insurance, the Agent must be fully aware this business usually has poor persistency. Individuals who usually have steady employment but are temporarily unemployed or laid off for a short period, or are unemployed between school or military service, may be considered for plans and amounts consistent with their needs and economic circumstances. Before offering coverage (over $15,000 to age 49, over $24,999 for age 50 and up), the Agent should verify that all medical and economic factors other than the temporary unemployment meet the Company’s underwriting requirements. Individuals who are consistently or regularly unemployed or receiving any welfare aid, and their dependents, regardless of who owns the policy, are usually unacceptable for coverage (over $15,000 to age 49, over $24,999 for age 50 and up). Social Security Disability and Supplemental Security Income. Proposed Insureds receiving Social Security disability may qualify for life insurance using the same medical qualifications as other Proposed Insureds. Financial justification must be shown if the Proposed Insured is applying for coverage amounts of $25,000 and up. Proposed Insured’s receiving Supplemental Security Income are typically not considered to be financially eligible for policies (over $15,000 to age 49, over $24,999 for age 50 and up) unless they have been receiving this since childhood for blindness or deafness. The Agent should inquire and indicate on the application the primary reason they qualify for government benefits.

Bankruptcy*

Chapter 7 Term Insurance We will not consider coverage until the bankruptcy has been discharged for at least 24 months (2 years), and financial data supports the total line of coverage to be in force. UL We can offer coverage to an individual with a history of Chapter 7 bankruptcy as soon as the bankruptcy proceedings have been discharged as long as financial data supports the total line of coverage to be in force. If the bankruptcy was discharged less than 12 months ago, the proposed insured must be employed full-time and he/she must provide a current pay stub that documents an income appropriate for the amount of coverage. If a pay stub is not available a tax return or signed 4506T-EZ may be provided instead if the proposed insured has been in the same job since the tax return filing date. If using non-working spouse guidelines to financially justify, it is ok to use household income to assume full-time employment, as long as it is still verified with a pay stub or tax return/4506T-EZ. Chapters 11, 12, and 13 Term Insurance We will not consider coverage until the bankruptcy has been discharged for at least 24 months (2 years), and financial data supports the total line of coverage to be in force. UL We will consider coverage for applicants currently in Chapter 11, 12, or 13 bankruptcy once the applicant is making regular debt payments and financial data supports the total line of coverage to be in force. • Note that we may reduce the amount of income we consider the applicant to make by the amount of the debt payment made as per court direction (see below). • Copies of court papers directing repayment will be required for amounts of $5,000,000 and up. Multiple Bankruptcy Filings Term Insurance No offer until discharged from last bankruptcy for at least 60 months (5 years) and financial data supports the total line of coverage to be in force. UL No offer until discharged from last bankruptcy for at least 24 months (2 years) and financial data supports the total line of coverage to be in force. Coverage Amount Consideration during the Repayment Period The monthly repayment amount only comes into play when the applicant, who is in the Chapter 11, 12, or 13 repayment period, applies for some amount approaching the income-replacement maximum. Generally, this becomes of concern when the amount of insurance in force and applied for exceeds 75% of the income-replacement maximum. * Credit report required on all cases with a pending bankruptcy or a bankruptcy discharged within the past 5 years.

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Business Life Insurance Business owned life insurance should only be written for coverage amounts of $25,000 and up. This section includes a brief description of the most frequently encountered types of business insurance needs, beneficiary designations, ownership, premium payer and required signatures. Before including any riders or benefits a purpose for the coverage needs to be established. The business should be the Applicant/ Owner, beneficiary and premium payer. Signatures required in addition to the Proposed Insured include an officer of the corporation (if a C-Corp) designated to act on behalf of the company. The title of the officer should be included with the signature. Effective for life insurance policies issued after August 17, 2006, with a few exceptions, ALL employer owned life insurance must meet requirements for the death proceeds to be received income tax free. If these requirements are not met by the employer, the proceeds could be taxable to the extent that they exceed the amount paid for the policy. To the extent that a client is interested in purchasing employer owned life insurance, they should consult their tax advisors with regard to any questions pertaining to the employer owned life insurance requirements in IRC section 101(j). Amounts of Coverage Buy/Sell: When writing applications for a buy-sell agreement between partners, the amount of insurance on each partner should not exceed each individual partner’s interest in the business. Key Person: Coverage financially protects the company from adverse financial impact if a key employee suddenly dies. The policy would provide funds to find, recruit and train a replacement, help replace any lost profits, and strengthen the balance sheet to assure creditors that the business will continue. Maximum of 5 to 10 times annual compensation of the key employee. Buy-Sell/Business Succession/Business Continuation Coverage is limited to the market value of the proposed insured’s portion of the business as detailed in the Buy-Out or Buy-Sell agreement, or third party financials. Business Loan Coverage Minimum 5 years remaining on the loan, coverage limited to 75 percent of loan, prorated per each owner’s percent share of the business. Business will be the owner and beneficiary with collateral assignment to the debtor. Venture capital is limited to 50 percent coverage, prorated as above. Accidental Death Benefit A maximum of $250,000 per life subject to plan limitations. See each plan for details. Before including any riders or benefits a purpose for the coverage needs to be established. AD is not usually acceptable on business cases. For Juveniles no more than $25,000 of AD is acceptable.

Cover Letter For all business owned life insurance cases, please complete a cover letter from the Agent furnishing a background of the business. Details of the type of business, length of time in business, number of employees, annual sales, plans for expansion, etc. should be made part of the letter accompanying the application. Key Person case additional information includes: 1. What specific skills, knowledge, abilities does this person possess that make them key to the success of the business? 2. Are there other key persons and are they insured or being insured? 3. What is the compensation of the key employee and what does it consist of in terms of salary, bonuses, stock options, deferred compensation, etc.? Buy/Sell case, additional information includes: 1. A description of the nature of the business operation, 2. A list of all insurance policies on each partner/owner, including personal and business insurance and 3. An explanation if applications are not submitted on each partner/owner. Buy/Sell Cross Purchase Each owner agrees to purchase the interest of a deceased co-owner at an agreed price. Each owner applies for, owns, pays premium and is the beneficiary of a life insurance policy each other’s life. Upon the death of an owner, the surviving owner(s) use the life insurance proceeds to help purchase the deceased’s business interest under the terms of the agreement. Both the Proposed Insured and the co-owner should sign the application. Entity Purchase The business agrees to purchase the interest of a deceased owner at an agreed price. The business applies for, owns, pays premium and is the beneficiary of a life insurance policy on each owner’s life. Upon the death of an owner, the business uses the life insurance proceeds to help purchase the deceased owner’s business interest under the terms of the agreement. Both the Proposed Insured and the owner designated to act on behalf of the business should sign the application.

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A note about partnerships Most business life insurance applications involving partnerships are used to fund buy-sell agreements which are ideal for protecting the transfer of business to another owner in the event of death. It is important to properly complete the applications to accomplish the desired result. Any questions regarding the taxation or legality of arrangements should be referred by the prospect to his or her tax advisor and/or legal representative. Underwriting will not offer recommendations or suggestions regarding these matters.

How to complete the Financial Questionnaire (AGLA2181F). This form is required for all business insurance cases and for personal insurance applications for amounts over $1,500,000. Let’s take a closer look at the proper completion of this form. Be sure to have the Financial Questionnaire available while reviewing this material. Question 1: What is the Applicant’s Income (before income tax)? • It is important to list the income for the current and prior year • Show other sources of income as requested Question 2: What is the Applicant’s approximate net worth, i.e., assets minus liabilities? • It is important to show the approximate net worth (assets minus liabilities) for the current and prior year • A breakout should be given for personal and business assets Question 3: What is the estimated tax liability at death? • This is a rapidly changing area and up to date tax advice should be obtained by the client ESTATE TAX EXEMPTION Beginning January 1, 2011, the estate tax exemption is $5,000,000 and the estate tax rate is 35%. Question 4: How was the need for this new amount of coverage determined? • It is critical to give enough details to explain how the face amount of coverage needed was determined. See above discussion on personal insurance. Business Insurance The Financial Questionnaire is required on all business insurance cases, regardless of amount. Let’s take a closer look at questions 5-11 of this form. Note: All 11 questions must be answered. Question 5: What is the purpose of this business insurance? • Indicate the purpose of the coverage, such as Business Continuation (Key Person and Buy/Sell), Executive Benefits (Executive Bonus), etc. - Developing the insurable value of a key person This is particularly challenging because it is necessary to make critical judgments about the role of the key person in the organization, the special skills and resources that are contributed by the key employee, and the business environment. Life insurance operates to indemnify the business against loss resulting from the untimely death of the key person in two ways. It can replace that portion of the company’s profits that the key person contributes on a annual basis, or it can be used in ways that secure business opportunities against the threat of loss of capital and/or cash flow due to the key person’s premature death. An appropriate ratio of insurance to compensation may be as little as 2 or as high as 20 or more, depending on factors such as the nature of the business, the key person’s relationship to the business, and whether the enterprise is new, established, or engaging in new expansion. Question 6: Is there a written buy/sell agreement in effect? (If yes, attach copy) • This will help identify the client’s percentage of ownership and the business valuation formula to be used. Attach a balance sheet and income statement for the most recent year or quarter. It is required to have the buy/sell agreement finalized before submitting a formal life insurance application. Question 7: Creditor: What is the name of lender? • Name the creditor and indicate if the creditor has requested coverage. Again, business financials such as a balance sheet and income statement are needed. If proposing premium financing, please use remarks section to document. Question 8: Are other corporate officers or partners being insured? • Verification of coverage in force or applied for on other partners Question 9: What percentage of the business is owned by the Applicant? • Verification of what percentage of the business the proposed insured owns. This will help establish the amount of coverage we can offer.

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Question 10: What is the estimated fair market value of business? • Establishing the estimated fair market value of the business. This is critical in evaluating the need for coverage. Calculations which may be used to establish value include: - Book Value (Net worth of Business). This is best suited for a business, which is a holding company, real estate development business or a marginally profitable and highly competitive business where past earnings are unreliable to measure potential profits. - Capitalization of Earnings: The value is determined by multiplying annual earnings (net income) by a factor, as follows: - Well established business with large assets = factor of - 12. - Established business requiring highly competitive management skills = factor of 7-10 - Business’ which don’t require a large amount of capital but depend on skill of management = factor of - 5 - Price Earnings (P/E ratio). Divide the market price of the stock by the annual earnings per share. This ratio can then be applied by multiplying net income by the P/E ratio. This normally works best for large companies where some industry numbers can be used for comparison purposes. New start up companies are very difficult to value since limited or no historical data is available. Pro Forma information is of limited value. We would need to look at market opportunity, consideration for goodwill, market sensitivity, venture capital partners, staffing environment etc. A client’s CPA, controller or tax advisor would be a good resource for calculating this information. Question 11: What are the financial details of the business? • Give financial details of the business for the current and prior year. Subtracting the liabilities from the assets will provide the book value. The net income line can be used to help value the business as indicated above. You will note, we’ve asked for the most recent balance sheet and income statement. Be sure the questionnaire is properly executed, as a copy will be placed in the policy. On certain cases (third party) audited financial statements or tax return forms might help support coverage. Summary The information required to do a thorough job of financial underwriting is sensitive and confidential information. Working together we are able to protect the privacy of our clients and help them meet their financial objectives. Being familiar with what is required on these type cases up front will impress your client with the professional way you do your job and reduce the need for callbacks, which delay issue.

Charitable Giving /Non-Profit Organizations Involving the Sale of Life Insurance

Life insurance can be a means of making charitable contributions to not-for-profit organizations. The amount of requested coverage should be reasonable in relation to the loss by the institution upon the death of the proposed insured, and the face amount of the application should be reasonable in relation to the overall financial picture of the Proposed Insured. Insurance death benefits are generally limited to a maximum of 5 to 10 times the average substantiated annual contribution. An obvious financial objective is to maintain a flow of income to a charity from an individual giver, but could also be purely for the purpose of leaving a gift to an institution upon death. The economic status of the Proposed Insured must be able to support charitable giving. Mechanics of Life Insurance Donations Life insurance may be used to make a charitable contribution in the following ways: • Designating a charity as the beneficiary while retaining ownership of the policy • Naming a charity as the “irrevocable” beneficiary while retaining ownership • Giving an existing life insurance policy to a qualifying charitable organization • Purchasing a new life insurance policy naming the charity as owner and beneficiary • Assigning valuable policy rights to a charity ***A client should discuss any tax consequences of donating to a charity through life insurance with his/her tax advisor or financial planner.*** Information required: • A general background of the NPO/Charitable organization must be provided, including: ­- History of the organization, how long it has been in existence ­- Purpose of the NPO, who/what NPO benefits ­- Number of contributors ­- Ratio of how contributions are allocated to administrative costs versus the primary ­- Certification that organization is an approved NPO as deemed by the IRS (ensure it is a non-profit organization)

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• Substantiating Insurable Interest and Reasonable Policy Size ­- Submit application without premium ­- There should be Personal Life Insurance coverage in place for personal needs. Document all current policies and pending applications of the proposed insured listing the insurance company and death benefit amount ­- Documentation substantiating the average of the last three years total contributions (this includes money, time and property) by the proposed insured to the named NPO ­- If the amount of insurance is in excess of $500,000, a financial questionnaire is required • Proposed Structure of Arrangement (Policy Ownership) ­- Policy owned by the insured with irrevocable beneficiary designation of the NPO ­- Policy owned by the NPO via trust agreement. Submit Trust agreements (which must be in existence prior to the issue of the life/ annuity policy) for review • Prepaid Contract Arrangement: ­- Single premium life insurance contract ­- Single premium paid to annuity that in turn pays pre-determined limited-pay life insurance contract Church - Protecting Charitable Giving through Life Insurance and Key Person Coverage for Clergy • Applications are often received on clergy members which are basically “Key Person” type coverage. Information should include: ­- Total compensation the person receives to include salary, housing and transportation to establish an appropriate amount of life insurance ­- Coverage amounts should typically not exceed 5 to 10 times unless additional details support larger amounts ­- Details should be provided outlining how the person has helped “grow” the Church. This can be evidenced by the growth in church membership and donations documented over the past several years • Life insurance is sometimes used on the pastor to cover loans taken out to enlarge or replace facilities. ­- Details of the loan and a copy of the loan agreement are required with the Application. ­- Usually only 85% of the loan is covered by life insurance. • Church members who regularly support a church sometimes want to leave a “gift” to their church. In these situations provide the following information: ­- Establish the pattern of giving. Churches usually provide individual year-end statements providing the total amount of gifts, tithes, etc. If a person provides a service to the church such as helping in grounds and building upkeep the value of this service can also be included. ­- If the membership plans to apply as a group (for individual coverage) provide: • Total number of members in the congregation • How many members will apply and the demographics of the group • How long the applicant has been a member • Each Applicant’s annual giving pattern ­ An applicant may be concerned that their families’ circumstances may change in the future – they may name the church as “revocable” beneficiary and still retain flexibility and control. The policy proceeds will be passed free of both gift and estate taxes.

Occupations The following schedule is offered as a guide for underwriting applicants whose occupations may expose them to possible accident or health hazards sufficient to warrant an extra premium or declination of coverage. The fact that an occupation is not listed does not necessarily imply that it is acceptable at standard rates. If you have any question about the rating for a particular occupation refer to the Rate Manual or contact Underwriting. The following occupations may require a flat extra additional life premium charge. The amount of the premium charge will vary from $2.50 per thousand dollars of insurance to $20.00 per thousand dollars of insurance annually for Band 2 & up amounts. For Band 1 amounts most occupations will qualify for a standard rate. Occasionally an extremely hazardous occupation will require declination of coverage. The absence of an occupation in the list below does not necessarily exclude that occupation from either an extra premium charge or declination of coverage. For the exact premium charge contact Nashville Office Underwriting.

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Aquanautics - divers Amusements, dancers, professional boxers Astronautics - Aerospace workers Bridge builders and construction workers Building demolition workers Carnival, circus and fair workers Chemical and biological weaponry workers Electrical power workers Explosive manufacturing Fishermen, off shore Horse racing, stablemen, groomers, jockeys, trainers, exercise boys Liquor industry, bartenders Lumber industry workers Marine industry Metal industries Mining, on shore and off shore, underground Mountain guides, ski patrols and rangers Moving picture stunt persons Nuclear energy workers Oil and natural gas workers Police, bomb disposal crew Railroad, yard switchmen Riggers

Military Risks This pertains to regular Military personnel and reservists (alerted for active duty). Details of exact duties in the service and aviation exposure should be covered on the Military Questionnaire (2181-M) which should be submitted with the application. Because world events rapidly change, these guidelines are regularly monitored and changes will be applied as appropriate. If the individual has orders that will require travel to high risk areas, except in states where travel cannot be considered, we will not consider for coverage, just as we would not for civilians traveling to high risk areas. All applications must comply with the NAIC regulations regarding military applicants, per procedures announced in Marketing Bulletin MB08-22. Disclosure Form AGLC103030 “Disclosure Form For Military Sales”, signed by the Active Duty Service Member and the producer, must be submitted with the application. Active Military Personnel • It is acceptable for Agents to write active military personnel • No government allotment for initial premiums. • Coverage can be considered to a maximum of: Rank

American General Coverage Limit (Not Total Line)

New enlistee

None

Academy or ROTC Cadet

$250,000

Officer Candidate (School) (OCS)

Amount based on enlisted rank

E1 – E2

$100,000

E3 – E5

$250,000

E6 – E7

$500,000

E8 – E9

$750,000

WO1 – WO2

$1,000,000

WO3 – WO4

$1,500,000

WO5

Normal income replacement guidelines

O1 – O3

$1,000,000

O4 – O6

$1,500,000

O7 and up

Normal income replacement guidelines

Reserve or Guard Member – Alerted or Mobilized

Use by-rank coverage limits, as noted above

Reserve or Guard Member – NOT Alerted or Mobilized

Normal income replacement guidelines

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• Total line must meet income replacement guidelines. • The applicant can have an alert or orders for overseas duty as long as not to a “hot spot” (if the applicant cannot disclose location, the case cannot be written) (not applicable in all states). Application and exam papers must be completed in the United States. • No Special Forces, Rangers, SEALS, Marine Recon, Delta Force, or other members of similar units. Additional Military Guidelines: • Reservists and National Guardsmen: If they are employed in a civilian capacity (e.g. work at American General) and are not alerted for mobilization or already mobilized, they are underwritten based on their income and occupation and are not subject to the rank restrictions above. • Reservists and National Guardsmen (alerted or mobilized) are underwritten as active military personnel detailed above • AGR soldiers/sailors/airmen (“active guard/reserve”) are reservists whose occupation is performed in uniform at a military unit. They are subject to the same coverage limits as active military personnel above. • Military pilots are normally rated and we will not consider for better with an AER. • Amounts of coverage over the above limits are only considered for very exceptional circumstances (e.g. a military medical surgeon or dentist). Note: Plans for retirement are not considered exceptional circumstances. Producers are advised to contact the home office before writing an application they feel may be worthy of exception consideration. We limit coverage for military applicants to reduce exposure during time of war/conflict, also taking into consideration that military training can be dangerous and accidents happen from time to time. The higher the rank, the less likely the applicant would be subject to the same risk as a lower enlisted serviceman. Therefore, we can consider higher amounts for military personnel of higher rank.

Aviation In most situations, the Company can provide coverage for aviation hazards based on an Aviation Questionnaire and, where appropriate, additional ratings. Most military aviation activities require an additional flat premium charge. For specific rates contact Nashville Office Underwriting. Applications submitted on Proposed Insureds engaged in aviation activities must be accompanied by an Aviation Questionnaire (form 2181). The questionnaire will provide information to determine if full coverage can be provided and, if so, the required premium. If a Proposed Insured is not currently engaged in aviation activity but has either participated in the past or expresses a desire to do so in the future, an aviation exclusion rider may be appropriate. If an aviation exclusion rider is used, insurance will be issued in the premium class which would be applicable if no aviation hazard were present. Whenever a policy is delivered which contains an aviation exclusion rider, the acceptance of such policy with limited coverage is subject to the applicant signing the rider. The signed copy must be returned to the Nashville Office before the policy will be placed in force. • Aviation Exclusion Rider (AER) if ratable driving history • Corporate pilots - if plane is company-owned, maintained at same standards as commercial aircraft, pilot with ATR certification or commercial license with IFR certification, flying in US and Canada only - Preferred Plus • Private pilots (flying in US and Canada ONLY) - Student pilots, at best Standard Plus with additional $3.50 per $1,000 - Licensed pilots with over 100 hours solo hours - Standard Plus - Flying more than 200 hours per year - likely $2.50 per $1,000 - Flying into Mexico - $2.50 per $1,000 • Best rates with an Aviation Exclusion Rider: - Within our retention: √ Best rates otherwise qualified - Over our retention: √ Permanent plans, PNT √ Term plans, STD+

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Avocations Participation in some activities presents additional mortality hazards which require extra premiums per one thousand dollars of insurance, annually. The amount of the additional premium varies dependent upon the additional hazard involved. Following is a list of activities which present such hazards and are commonly encountered. You may encounter other activities, not as common, presenting additional hazards. Therefore, this list is not all inclusive. If you encounter such activity you should check with Nashville Office Underwriting to determine if there may be additional premium required. The list below includes activities which are broad in scope. The exact premium required will depend upon the individual circumstances involved. A Sport/Amusement Questionnaire form 2181A should be submitted with the application on Proposed Insureds who participate in these or any other avocation activities which may be considered hazardous. Automobile racing Balloonists Bicycle racing, professional Hang gliding Motorboat racing Motorcycle racing Mountain climbing Parachuting Rodeo competition Scuba or skin diving Snowmobile racing Water skiing, competition Scuba Diving Applicants who are recreational SCUBA divers are eligible for our best class (Preferred Plus) if all the following guidelines are met: • Applicant dives to depths not exceeding 100 feet • Participants in no more than 10 dives per year • Dives must be in open water; applicant does not participate in wreck, salvage, cave or under-ice diving (penetration diving) • Applicant is PADI, NAUI, or SSI certified or all dives are done with divemaster or instructor Otherwise • If over 100 feet, likely $2.50 per $1,000 • No exclusion riders available

Motor Vehicle Violations High risk circumstances • DUIs - two or more in last 5 years, decline. One in last year, decline • More than 3 moving violations in the last 3 years, no DUI history - add $2.50 per $1,000 or more • More than 3 moving violations in the last 3 years, with single DUI history, age 35 and up - add $3.50 per $1,000 or more, decline if over age 65 • Single DUI > 3 years ago, no other violations, possible standard (with no other related history) • Single DUI > 5 years ago, no other violations, possible preferred plus (with no other related history) See Preferred Criteria section for Preferred information.

Criminal Activity

Applicants who have charges pending, are in jail, or who are on probation or parole, are postponed until out of jail and/or off probation or parole for at least 12 months. Individual Consideration for all others.

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American General Life Visa Holder and Foreign National Guidelines

1. GENERAL REQUIREMENTS A. Solicitation. ➢ All solicitation and all related aspects of the sale from the initial contact forward must take place within the U.S. ➢ No marketing materials or illustrations should be provided, delivered or e-mailed outside of the U.S. B. Application, Medical Examinations and Policy Delivery. ➢ All application sections and all medical examinations must be completed in the U.S. (Copies of exams completed outside the U.S. for another company may be used along with a fully a complete paper application with all medical questions completed in a state where the producer is licensed). ➢ Medical exams performed at a U.S. embassy outside of the U.S. or on a vessel outside of foreign country territorial limits (international waters) will not be accepted. ➢ The policy must be delivered in the U.S. in accordance with delivery requirements of the state of issue. C. Premium Payments. ➢ The initial premium and all subsequent premium payments must be drawn on a bank account in the U.S. ➢ All premium payments must be in full compliance with Company OFAC and AML procedures. D. Post-Issue Policy Communications. ➢ All post-issue communications regarding the policy, including premium notices, should be mailed to an address of record within the U.S. ➢ If the address of record is a P.O. Box, it must be owned and maintained by the policy owner. 2. APPROVED COUNTRIES * ➢ Some countries’ laws prevent the purchase of a policy or contract outside of the customer’s country of origin, even if all aspects of the transaction occur within the United States. ➢ Because of these restrictions, subject to all other requirements being met, we can only accept applications on citizens of the countries listed below (see Chart in Section 3 or 4 to determine the Rate Class depending on Country Code):* Country / Jurisdiction

Country Code Country / Jurisdiction

American Samoa A Argentina (Decline if residing in Argentina) A Australia A Bahamas, The

Malaysia B Marshall Islands B Mexico (High-Net-Worth Professionals/Execs = PNT) (Preferred Plus not available for Foreign Nationals) B The Netherlands/Holland (not including Aruba, Curacao and Sint Maarteen) A Nicaragua B Northern Mariana Islands A Palau B Panama (Decline: Panamanian citizens residing in Panama) A Peru A

B

Belgium A Bermuda A Bolivia B Brazil A Canada (Decline if visa holder from or residing in Alberta, BC or Manitoba) Cayman Islands

Country Code

A B

Philippines (Decline if residing in Mindanao, Zamboanga Peninsula and Sulu Archipelago) B** Poland A Puerto Rico A Russia B Saudi Arabia C Singapore A South Africa B South Korea A Spain (Decline: Spanish citizens residing in Spain) A

Chile A China B** Colombia D Costa Rica A Dominican Republic B Ecuador A Federated States of Micronesia B France (Decline if residing in France) A

Switzerland A

Germany (German citizens must reside outside of Germany more than 6 months per year) A Guam A Honduras C Hong Kong A India (Decline if residing in India) B Israel (Decline: West Bank or Gaza) B Italy A Jamaica B Japan (must be in US more than 6 months per year) A

Taiwan A Turkey (Decline: Regions bordering Syria and Iraq) B United Arab Emirates (UAE) (Dubai) A UK (England, Scotland, Wales, Northern Ireland) A U.S. Virgin Islands A Uruguay A Venezuela C Vietnam C

* List Subject to Change – Does NOT apply to Permanent Residents (Green Card Holders) of the U.S. See Section 5 ** Link to Marketing Bulletin regarding special guidelines for Chinese and Filipino foreign nationals by clicking on their country code. 18

3. INDIVIDUALS WITH A VALID VISA (Not Green Card Holders) A visa holder is defined as an individual residing full time in the U.S. on a valid visa. Acceptability is based on the individual’s country of citizenship and evidence that supports the individual staying in the United States.

UNDERWRITING CLASSIFICATIONS AND AMOUNT LIMITS (See Section 2 for Country Code List)

Country Code Rate Class* A Best Class B Standard NT/TOB (Std Plus if Term) C Standard NT/TOB + $2/1000 D Standard NT/TOB + $3/1000

Coverage Amount ** Term Permanent $3,500,000 $10,000,000 $3,500,000 $10,000,000 $3,500,000 $3,500,000 $2,000,000 $2,000,000

* Visa Holders from an approved country intending to reside in the U.S. permanently will be considered for Best Class under the following parameters: • 5 years continuous residence in the U.S. • Mortgage and/or marriage to a U.S. citizen • Long-term U.S. employment (at least 5 yrs) • Provide SSN or ITIN or IRS form W-9 • Family income of at least $50,000 ** Additional coverage may be available through Facultative Reinsurance ADDITIONAL REQUIREMENTS: ➢ A completed Certification Regarding Taxes and Laws (Form AGLC103958). ➢ Copy of Visa. If a visa is not available, an explanation is required along with another valid U.S. Government-issued picture I.D. ➢ Social Security number or ITIN (Individual Tax ID number) or IRS form W-9. ➢ The producer is responsible for obtaining and paying for any APS or other requirements needed from outside the U.S. ➢ Any requirements received from a foreign country must be translated into English at the producer’s expense. 4. FOREIGN NATIONALS A foreign national is any person who is not a U.S. citizen, U.S. Permanent Resident (Green Card Holder) or individual living in the U.S. with a valid work visa. This would include an applicant anticipating a short term or temporary stay in the U.S. (such as a visitor B1/B2 Visa).

UNDERWRITING CLASSIFICATIONS AND AMOUNT LIMITS: (See Section 2 for Country Code List)

Country Code Rate Class A Best Class B Standard NT/TOB (Std Plus if Term) C Standard NT/TOB + $2/1000 D Standard NT/TOB + $3/1000

Coverage Amount * Term Permanent $3,500,000 $10,000,000 $3,500,000 $10,000,000 $3,500,000 $3,500,000 $2,000,000 $2,000,000

* Additional coverage may be available through Facultative Reinsurance SUBSTANTIAL CONTACTS: ➢ Should have Substantial Contacts with the U.S that are documented on the application or in a cover letter. ➢ Substantial Contacts requires that the insured and the policy owner (if insured does not own the policy): • Must be in the U.S. for a purpose other than the purchase of insurance • Have a bank account in the U.S., and • Satisfy one of the following: 1. Own real property in the U.S.; 2. Have significant, systematic ongoing business activities in the U.S. such as regular physical visits or presence in the U.S. for purposes of conducting business. The file should be documented with specific detail of the reason the insured and policy owner is in the U.S.; 3. Maintain an investment interest in the U.S. which may include investment account ownership in the U.S.; or 4. Be an employee of a U.S.-based company. • Infrequent visits to the U.S. for vacation or pleasure is not considered a Substantial Contact. APPLICANT SPECIFICATIONS: ➢ Ages 18-70. ➢ Must be rated Table 4 or better. ➢ Occupation must be technical, professional, business owner or executive in nature. ➢ Unacceptable applicants include: • Missionaries • Judges, politicians, union leaders or foreign government employees • Journalists

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• Military, police or security personnel • Professional athletes or other high-profile occupations • Private pilots ➢ Spouses of Foreign National applicants • One spouse must meet Substantial Contacts criteria • The other spouse can qualify for coverage. He or she: ° Must be in the US for a purpose other than to purchase insurance, and ° Must have a pattern of regular travel to the US, and ° The application must be submitted at the same time as, or after the approval of, the spouse with Substantial Contacts, and ° Meet all other requirements for issue, and ° Both applicants’ coverage must be through American General Life. PRODUCT SPECIFICATIONS: ➢ Permanent coverage, Term plans of 20 years or greater ➢ No Child rider or Disability Income Rider ➢ Waiver and ADB are acceptable if from an “A” country PREMIUM: ➢ The premium must be paid in U.S. dollars and drawn on a bank account in the U.S. ➢ All premium payments must comply with applicable OFAC and AML procedures. ADDITIONAL REQUIREMENTS: ➢ Home Office ordered Inspection Report required for amounts of $1,500,001 and up. ➢ Social Security Number or ITIN (Individual Tax ID Number) or IRS form W-8BEN. ➢ All solicitation must take place within the U.S. Application must be taken in a U.S. state where the producer is licensed to do business. ➢ If on EFT/ABC mode, a copy of a void check will be required in adition to completed ABC form. ➢ All application sections, medical requirements and inspections must be completed on U.S. soil in jurisdictions in which the insurer is licensed. ➢ A completed Certification of Laws and Taxes (Form AGLC103958). ➢ Copy of Visa. If a visa is not available, an explanation is required along with another valid U.S. Government-issued picture I.D. ➢ The producer is responsible for obtaining and paying for any APS or other requirements needed from outside the U.S. ➢ Any requirements received from a foreign country must be translated into English at the producer’s expense. ➢ Ownership may be through a trust, partnership, LLP, LLC, corporation or other legal entity domiciled in the U.S. The trust, partnership, LLP, LLC or corporation documents must be in English and fully executed copies of such documents should be submitted to company prior to policy issuance. ➢ Ownership through a foreign domiciled trust, partnership, LLP, LLC, corporation or other legal entity is prohibited. ➢ If the policy is owned by someone other than the insured, the insurable interest laws of the state of application and issue apply. 5. PERMANENT RESIDENT, DUAL CITIZEN OR ASYLUM / REFUGEE STATUS ➢ Permanent Residents of the U.S. (Green Card Holders) • Will be insured at best available class with no country restrictions using our normal retention and reinsurance treaties. (All medical requirements and inspection reports must be completed in the U.S.). • Application must clearly state resident status (i.e. Green Card Holder or Permanent Resident) with card number. Copy of card may be required. ➢ Dual Citizens – Individuals having citizenship with the U.S. and another country (dual citizens) will be insured as U.S. citizens, subject to full underwriting. If dual citizenship does not include citizenship with the U.S., the country code of the most restrictive country will be applied. ➢ Asylum or Refugee Status – Individuals residing in the U.S. on asylum or refugee status must be from an approved country and will be considered for coverage based upon their county of origin and upon receipt of paperwork that documents an approved asylum or refugee status. An application for asylum or refuge is not sufficient. Streamlined Underwriting is not available. ➢ Temporary Protected Status (TPS) - Individuals residing in the U.S. on TPS from an approved country will be considered for coverage based upon their country of origin and upon receipt of paperwork that documents an approved TPS. An application for TPS is not sufficient. Important Notes: ➢ Each case will be individually underwritten and assessed. ➢ For quoting purposes only. Quotes are not considered bound: our final decision at time of underwriting review may change if/ when world conditions change. Each Case will be individually underwritten and assessed. ➢ Country list and/or ratings will change quickly as world conditions change, and this publication may not reflect sudden changes in the world situation. ➢ Citizens of a U.S. territory are covered under our reinsurance treaty and will be handled as U.S. citizens. ➢ Individuals residing in countries or jurisdictions under a current U.S. State Department Travel Warning will be Individual Consideration and may be declined. ➢ We cannot write residents or citizens of: Belarus, Burma, Cote d’Ivoire, Cuba, Democratic Republic of Congo, Iran, Iraq, Lebanon, Liberia, Libya, North Korea, Somalia, Sudan, Syria and Zimbabwe.

20

American General Life Foreign Travel Guidelines The following charts define how American General Life Insurance Company will assess travel to various countries around the world. Country Code A B C D E E* IC

To 8 Weeks 8 Weeks to 6 Months* Best Class Best Class Best Class Standard (Std Plus if Term) Best Class Standard + $2/1000 Best Class Standard + $3/1000 Decline Decline postpone until 30 days after travel postpone until 30 days after travel Individual Consideration Individual Consideration

* Except where noted, extended travel (greater than 6 months) will be considered on a case-by-case basis and may be underwritten as a residency case under our Foreign National guidelines. In addition, extended travel (greater than 6 months) outside of the U.S. or Canada will require facultative reinsurance if over our internal retention. PRODUCT AND COVERAGE AMOUNTS ➢ All plans of insurance are available. ➢ Autobind up to $41 million on Term and $60 million on Permanent ➢ Jumbo Limit to $65 million ➢ Individual Consideration for long-term travel (greater than 1 year) ➢ Individual Consideration for amounts over $20 million, age greater than 70, rating greater than Table D. Important Notes: ➢ For quoting purposes only. Quotes are not considered bound: our final decision at time of underwriting review may change if/ when world conditions change. Each Case will be individually underwritten and assessed. ➢ Country list and/or ratings will change quickly as world conditions change, and this publication may not reflect sudden changes in the world situation. ➢ Individuals residing or traveling in countries or jurisdictions under a current U.S. State Department Travel Warning will be Individual Consideration and may be declined. ➢ Diplomats, embassy employees or missionaries assigned to a C, D or E country generally will not be considered for coverage. Missionaries assigned to A & B countries, and individuals taking short mission trips (21 days or less) to A, B, C, D countries will be considered. ➢ Certain states prohibit Travel Warnings as the sole basis for an underwriting decision. Please refer to the applicable Underwriting Guidelines on State Restrictions on Foreign Travel for these states. ➢ Florida and Georgia prohibit action based on foreign travel. COUNTRY LIST COUNTRY CODE Afghanistan E Albania B Algeria C American Samoa A Andorra A Angola (Except Cabinda) C Anguilla B Antarctica IC Antigua & Barbuda B Argentina (Decline for Travel > 6 months) A Armenia (Nagorno-Karabakh regions: Decline) B Aruba B Australia A Austria A Azerbaijan (Western Border region: Decline) B Bahamas, The B Bahrain IC Bangladesh D Barbados B Belarus (Decline for Travel > 6 months) B Belgium A Belize B

COUNTRY CODE Benin B Bermuda A Bhutan B Bolivia B Bonaire B Bosnia & Herzegovina B Botswana B Brazil A British Virgin Islands A Brunei B Bulgaria B Burkina Faso E Burma/Myanmar E Burundi E Cambodia B Cameroon E Canada A Canary Islands A Cape Verde B Cayman Islands B Central African Republic E Chad E

* PNT available for travelers to China and the Philippines for durations over 8 weeks

21

COUNTRY CODE

COUNTRY CODE

Chile China * Colombia (Ecuador/Venezuela border regions: Decline) Comoros Congo (Brazzaville) Congo (Zaire) Cook Islands Costa Rica Cote d’Ivoire (Ivory Coast)

A B D B D E A A E

Croatia

B

Guinea E Guinea Bissau C Guyana B Haiti E Honduras C Hong Kong A Hungary A Iceland A India (Kashmir or Jammu regions: Decline) B (Decline for Travel > 6 months) Indonesia (Aceh, Papua, Central Sulawesi, Maluku B regions: Decline) Iran E Iraq E Ireland A Israel (Over age 70 requires Facultative Reinsurance B if over our retention) (West Bank or Gaza: Decline) Italy A Ivory Coast (Cote d’Ivoire) E Jamaica B Japan (Decline for Travel > 6 months; Decline if A travel within the Fukushima Nuclear Power Plant 50 mile precautionary zone) Jordan B Kazakhstan B Kenya D (Lamu County, and provinces bordering Somalia: Decline) Kiribati B Kosovo B Kuwait IC Kyrgyzstan E Laos B Latvia A Lebanon D Lesotho B Liberia E* Libya E Liechtenstein A Lithuania A Luxembourg A Macau A Macedonia B Madagascar B Malawi B Malaysia B Maldives B Mali E Malta A Marshall Islands B Martinique B Mauritania (Algeria or Mali border regions: Decline) C Mauritius B Mexico (Travel to or through any region bordering the United States may be declined) B Micronesia B

Cuba E Curacao B Cyprus A Czech Republic A Democratic Republic of Congo (formerly Zaire) Denmark Djibouti Dominica

E A C B

Dominican Republic Dubai (United Arab Emirates) East Timor (Gili or Indonesian border regions: Decline)

B A B

Ecuador (Colombian border region: Decline) Egypt England Equatorial Guinea Eritrea Estonia Ethiopia Falkland Islands Federated States of Micronesia Fiji Finland France (Decline for Travel > 6 months) French Guyana French Polynesia Gabon Gambia Gaza Georgia (Ossetia or Abkhazia regions: Decline) Germany Ghana Greece Greenland Grenada Guadeloupe Guam Guatemala

A E A B D A D A B B A A B B B B E B A B A A B B A C

Guernsey

A 22

COUNTRY CODE

COUNTRY CODE

Moldova Monaco Mongolia Montenegro (U.K. Territory) Morocco (Western Sahara region: Decline) Mozambique Nambia Nauru Nepal Netherlands New Caledonia New Zealand Nicaragua Niger Nigeria Niue North Korea North Mariana Islands (Commonwealth of U.S.) Northern Ireland Norway Oman

B A B A B B B B D A B A B D E C E A A A IC

Pakistan Palau

E B

Palestine Panama (Decline for travel by Panamanian citizens > 6 months) Papua New Guinea Paraguay Peru (Ayacucho & Huallaga regions: Decline) Philippines* (Mindanao, Zamboanga Peninsula, and Sulu Archipelago regions: Decline) Poland Portugal Puerto Rico Qatar Republic of the Congo (Capital: Brazzaville) Romania Russia (Chechnya, Dagestan, Ingushetia, North Ossetia regions: Decline) Rwanda (Congo border region: Decline) Samoa San Marino

E A

Soloman Islands Somalia South Africa South Korea South Sudan Spain Sri Lanka (Northern Provinces: Decline) St. Barthelemy St. Eustatius St. Kitts and Nevis St. Lucia St. Maarten St. Vincent and the Grenadines Sudan Suriname Swaziland Sweden Switzerland Syria Taiwan Tajikistan (Afghanistan, Kyrgyzstan, Uzbekistan border region: Decline) Tanzania Thailand (Pattani, Yala, Narathiwat, and Songkhla regions: Decline) Tibet (part of China) Togo

D B A B

Tonga Trinidad and Tobago Tunisia Turkey (Regions bordering Syria and Iraq: Decline)

B B IC B

A A A C D A B

Turkmenistan Turks/Caicos Tuvalu U.S. Virgin Islands Uganda (North/Congo border region: Decline) Ukraine (unless travel to Crimea, then Decline) United Arab Emirates (Dubai)

B B B A B IC A

C B A

United Kingdom Uruguay Uzbekistan (Afghanistan, Tajikistan, Kyrgyzstan border regions: Decline) Vanuatu Vatican City Venezuela Vietnam Wales West Bank Western Sahara Yemen Zambia Zimbabwe

A A D

Sao Tome and Principe Saudi Arabia Scotland Senegal Serbia & Montenegro Seychelles Sierra Leone Singapore Slovakia Slovenia

B C A B B B E* A A A

* PNT available for travelers to China and the Philippines for durations over 8 weeks

23

B E B A E A D A B B B B B E B B A A E A D B IC B C

B A C C A E E E B E

Juvenile Insurance Juveniles are defined as clients age 0 to 17. Financial Requirements: For face amounts of $0-$500,000 (amounts requiring only a Non-Med*) • Parent(s)/Guardian will need to have 2x the amount being requested, including group coverage, if applicable (unless state specific statutes apply). ° If parents have differing amounts of coverage we will use the parent with the lesser amount (unless one is uncovered due to uninsurability or other extenuating circumstances) ° All siblings require equal amounts of coverage For face amounts greater than $500,000 ° Individual consideration • An APS and/or TIS may be ordered for cause based upon the underwriter’s judgement. See pages 25 & 26 for age/amount requirements and page 27 for APS ordering guidelines.

Underwriting Requirements

Limits. Limits have been established as guidelines for the development of information from outside sources such as paramedical examinations, blood tests, urine tests, and other sources of information. Additional information may be required without regard to stated limits, if the Nashville Office Underwriter determines it is necessary to properly appraise the risk. Medical Examinations. The Agent should order medical examinations for all applications on which the net amount at risk exceeds the non medical limits. The net amount at risk includes all unexamined amounts issued during the past twelve months. The examination must be on a form acceptable in the state which is the basis of the contract. Blood Profile Requirements. If a blood profile is required instruct the proposed insured that blood should be drawn only after at least a 8 hour fast. Approved paramedical examiners can obtain blood profiles. Blood profiles cannot be accepted from any sources other than an authorized examiner. The ONLY approved paramedical companies for business underwritten in Nashville, TN are: APPROVED PARAMEDICAL EXAMINERS 1. EMSI 1-800-872-3674 2. APPS /Portamedic 1-800-727-2999 3. ExamOne 1-800-272-0454 When requesting a paramedical service, give the provider the following information: • Identify yourself as an Agent of American General Life • Provide CRL laboratory code AGLA (AGN) • State that the application is to always be underwritten in Nashville, TN A special authorized written consent form is needed in some states prior to the oral fluid specimen or blood draw. Failure to complete this consent form will result in an additional blood draw or oral fluid collection. In order to expedite the Telephone Interview process all applicants should be informed by their Agent that someone may contact them to complete an interview. The Telephone Interview toll free response number is 1-800-888-3947. The hours of operation are 7:00 a.m. CST to 8:00 p.m. CST, Monday through Thursday and until 7:00 p.m. CST on Fridays. THE PROPOSED INSURED SHOULD BE ADVISED BY THE AGENT THAT THE NASHVILLE OFFICE MAY TELEPHONE THEM. Interviews are completed more successfully when the Proposed Insured is expecting the call. Commercial inspection reports will be ordered from the Nashville Office on larger amounts of insurance. See the chart below for amounts where this will be required. Physical History Questionnaires. The Physical History Questionnaire is designed to develop very specific information covering certain medical impairments. A fully completed questionnaire submitted with the application will often allow the Nashville Office Underwriter to accurately evaluate a medical impairment. In many cases a time consuming and costly Attending Physician’s Statement may be avoided. Refer to the form to determine the medical conditions for which this may be used. A supply is kept in the Local Office. Questionnaires may also be requested by the Nashville Office Underwriter. The diabetes and high blood pressure questionnaires are part of the SmartPad process. Plans call for additional forms to be added. * UL Plans: Standard Rate Class Only. Ages 18-50 and amounts up to $249,999 subject to Oral Fluid & MVR.

24

American General Life Age and Amount Underwriting Requirements - 2016 PERMANENT PLANS ONLY Amount

Ages 0-15

Ages 16-17

Ages 18-39

Ages 40-44

Ages 45-49

Ages 50-55

Ages 56-60

Ages 61-66

Ages 67-70

Ages 71+

0 to $24,999

NM

NM

NM

NM

NM

NM

NM (APS may be required, see page 27)

NM (APS may be required, see page 27)

NM with a current APS

NM with a current APS3

$25,000 to $99,999

NM

NM

NM

NM

NM

PM, B/U

PM, B/U

PM, B/U

PM, B/U, AC PM, B/U2, AC

$100,000 to $249,999

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, EKG

PM, B/U, EKG

PM, B/U, EKG, MVR, AC

PM, B/U2, FT, EKG, MVR, 71IR, AC

$250,000

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, EKG

PM, B/U, EKG

PM, B/U, EKG, MVR, ES, AC

PM, B/U2, FT, EKG, MVR, 71IR, ES, AC

$250,001 to $499,999

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, PM, B/U, PM, B/U, MVR EKG, MVR EKG

PM, B/U, EKG, FQ

PM, B/U, EKG, MVR, ES, FQ, AC

PM, B/U2, FT, EKG, MVR, 71IR, ES, FQ, AC

$500,000

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, PM, B/U, PM, B/U, MVR EKG, MVR EKG

PM, B/U, EKG, FQ

PM, B/U, EKG, MVR, ES, FQ, AC

PM, B/U2, FT, EKG, MVR, 71IR, ES, FQ, AC

$500,001 to $1 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, PM, B/U, PM, B/U, PM, B/U, MVR EKG, MVR EKG, MVR EKG, MVR, FQ

PM, B/U, EKG, MVR, FQ, ES, AC

PM, B/U2, FT, EKG, MVR, FQ, 71IR, ES, AC

$1,000,001 to $1.5 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, MVR, FQ

PM, B/U, EKG, MVR, FQ

PM, B/U, EKG, MVR, FQ

PM, B/U, EKG, MVR, FQ

PM, B/U, EKG, MVR, FQ

PM, B/U, EKG, MVR, FQ

PM, B/U, EKG, MVR, FQ, ES, AC

MD, B/U2, FT, EKG, MVR, FQ, 71IR, ES, AC

$1,500,001 to $3 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, PM, B/U, MVR, FQ, EKG, ES MVR, FQ, ES

PM, B/U, EKG, MVR, FQ, ES

PM, B/U, EKG, MVR, FQ, ES

PM, B/U, EKG, MVR, FQ, ES

PM, B/U, EKG, MVR, FQ, ES

PM, B/U, EKG, MVR, FQ, ES, AC

MD, B/U2, FT, EKG, MVR, FQ, 71IR, ES, AC

$3,000,001 to $5 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, PM, B/U, MVR, FQ, EKG, CR, ES MVR, FQ, CR, ES

PM, B/U, EKG, MVR, FQ, CR, ES

PM, B/U, EKG, MVR, FQ, CR, ES

PM, B/U, EKG, MVR, FQ, CR, ES

MD, B/U2, FT, PM, B/U, PM, B/U, EKG, EKG, MVR, EKG, MVR, MVR, FQ, FQ, TPF, ES, FQ, TPF, 71IR, CR, ES AC ES, AC

$5,000,001 to $10 million

IC, FQ¹, TPF1

IC, MVR, FQ¹, TPF1

PM, B/U, PM, B/U, EKG, EKG, MVR, FQ, MVR, FQ, ES, TT ES, TT

PM, B/U, EKG, MVR, FQ, ES, TT

PM, B/U, EKG, MVR, FQ, ES, TT

PM, B/U, EKG, MVR, FQ, TPF, ES, TT

MD, B/U2, FT, PM, B/U, PM, B/U, EKG, EKG, MVR, EKG, MVR, MVR, FQ, FQ, TPF, ES, FQ, TPF, 71IR, TPF, ES, TT, AC ES, TT, AC TT

Greater than $10 million

IC, FQ¹, TPF¹

IC, MVR, FQ¹, TPF¹

PM, B/U, PM, B/U, EKG, IR, EKG, IR, MVR, FQ, MVR, FQ, TPF, ES, TPF, ES, TT TT

PM, B/U, EKG, IR, MVR, FQ, TPF, ES, TT

PM, B/U2, EKG, IR, MVR, FQ, TPF, ES, TT

PM, B/U2, PM, B/U2, EKG, IR, EKG, IR, MVR, FQ, MVR, FQ, TPF, ES, TPF, ES, TT TT

MD, B/U2, FT, PM, B/U2, EKG, IR, EKG, MVR, MVR, FQ, FQ, TPF, 71IR, TPF, ES, TT, ES, TT, AC AC

FQ and TPF for a juvenile should be completed on Head of Household (or person who would receive death proceeds.)

¹

Lab Testing includes NT pro-BNP at these ages and amounts.

2

No offer to be made without a current APS, see page 28

3

NM = Non-medical A HIPAA authorization is required for all ages & amounts. Face amount is based on the total amount of coverage issued and placed in force by all American General Life Companies within the past 12 months. Additional database checks may be ordered from the Home Office. (This may include an Rx Database Check, property verification, Internet report, MIB, or other research deemed necessary by Underwriting.)

25

American General Life Age and Amount Underwriting Requirements - 2016 TERM PRODUCTS ONLY Amount

Ages 0-15

Ages 16-17

Ages 18-39

Ages 40-44

Ages 45-49

Ages 50-55

Ages 56-60

Ages 61-66

Ages 67-70

Ages 71+

0 to $24,999

NM

NM

NM

NM

NM

NM

NM (APS may be required, see page 27)

NM (APS may be required, see page 27)

NM with a current APS

NM with a current APS3

$25,000 to $99,999

NM

NM

NM

NM

NM

PM, B/U

PM, B/U

PM, B/U

PM, B/U, AC

PM, B/U2, AC

$100,000 to $249,999

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, EKG

PM, B/U, EKG

PM, B/U, EKG, MVR, AC

PM, B/U2, FT, EKG, MVR, 71IR, AC

$250,000

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, EKG

PM, B/U, EKG

PM, B/U, EKG, MVR, ES, AC

PM, B/U2, FT, EKG, MVR, 71IR, ES, AC

$250,001 to $499,999

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, PM, B/U, PM, B/U, MVR EKG, MVR EKG

PM, B/U, EKG, FQ

PM, B/U, EKG, MVR, ES, FQ, AC

PM, B/U2, FT, EKG, MVR, 71IR, ES, FQ, AC

$500,000

NM

MVR

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, PM, B/U, PM, B/U, MVR EKG, MVR EKG

PM, B/U, EKG, FQ

PM, B/U, EKG, MVR, ES, FQ, AC

PM, B/U2, FT, EKG, MVR, 71IR, ES, FQ, AC

$500,001 to $1 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, MVR

PM, B/U, MVR

PM, B/U, PM, B/U, PM, B/U, PM, B/U, PM, B/U, MVR EKG, MVR EKG, MVR EKG, MVR, EKG, MVR, FQ FQ, ES, AC

PM, B/U2, FT, EKG, MVR, FQ, 71IR, ES, AC

$1,000,001 to $1.5 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, MVR, CR

PM, B/U, EKG, MVR, CR

PM, B/U, PM, B/U, PM, B/U, PM, B/U, PM, B/U, EKG, EKG, MVR, EKG, MVR, EKG, MVR, EKG, MVR, MVR, CR CR CR CR, FQ FQ, ES, AC

MD, B/U2, FT, EKG, MVR, FQ, 71IR, ES, AC

$1,500,001 to $3 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, MVR, ES

PM, B/U, EKG, MVR, ES

PM, B/U, PM, B/U, PM, B/U, PM, B/U, PM, B/U, EKG, EKG, MVR, EKG, MVR, EKG, MVR, EKG, MVR, MVR, ES ES ES ES, FQ FQ, ES, AC

MD, B/U2, FT, EKG, MVR, FQ, 71IR, ES, AC

$3,000,001 to $5 million

IC, FQ¹

IC, MVR, FQ¹

PM, B/U, PM, B/U, MVR, FQ, EKG, ES MVR, FQ, ES

MD, B/U2, FT, PM, B/U, PM, B/U, PM, B/U, PM, B/U, PM, B/U, EKG, EKG, MVR, EKG, MVR, EKG, MVR, EKG, MVR, EKG, MVR, MVR, FQ, FQ, ES FQ, ES FQ, ES FQ, TPF, ES, FQ, TPF, 71IR, ES AC ES, AC

$5,000,001 to $10 million

IC, FQ¹, TPF¹

IC, MVR, FQ¹, TPF¹

PM, B/U, PM, B/U, EKG, EKG, MVR, FQ, MVR, FQ, ES, TT ES, TT

MD, B/U2, FT, PM, B/U, PM, B/U, PM, B/U, PM, B/U, PM, B/U, EKG, EKG, MVR, EKG, MVR, EKG, MVR, EKG, MVR, EKG, MVR, MVR, FQ, FQ, ES, TT FQ, TPF, FQ, TPF, FQ, TPF, ES, FQ, TPF, 71IR, ES, TT ES, TT ES, TT TT, AC ES, TT, AC

Greater than $10 million

IC, FQ¹, TPF¹

IC, MVR, FQ¹, TPF¹

PM, B/U, PM, B/U, EKG, IR, EKG, IR, MVR, FQ, MVR, FQ, TPF, ES, TPF, ES, TT TT

PM, B/U, EKG, IR, MVR, FQ, TPF, ES, TT

PM, B/U2, EKG, IR, MVR, FQ, TPF, ES, TT

PM, B/U2, EKG, IR, MVR, FQ, TPF, ES, TT

PM, B/U2, EKG, IR, MVR, FQ, TPF, ES, TT

PM, B/U2, EKG, IR, MVR, FQ, TPF, ES, TT, AC

MD, B/U2, FT, EKG, MVR, FQ, TPF, 71IR, ES, TT, AC

FQ and TPF for a juvenile should be completed on Head of Household (or person who would receive death proceeds.)

¹

Lab testing Includes NT pro-BNP at these ages and amounts.

2

No offer to be made without a current APS, see page 28.

3

NM = Non-medical A HIPAA authorization is required for all ages & amounts. Face amount is based on the total amount of coverage issued and placed in force by all American General Life Companies within the past 12 months. Additional database checks may be ordered from the Home Office. (This may include an Rx Database Check, property verification, Internet report, MIB, or other research deemed necessary by Underwriting.)

26

AC

Agent’s Certification

APS*

Attending Physician’s Statement

B/U

Full blood profile & urinalysis

CR*

Credit Report

EKG

Resting EKG

ES*

Electronic Records Search

FQ

Financial Questionnaire

FT

Functional Tests conducted with PM/MD

IC

Individual consideration

IR*

Inspection Report

MD

Exam by physician

MVR*

Motor Vehicle Report

PM

Paramedical exam to include height/weight, blood pressure and pulse

TIS*

Telephone Interview

TPF

Third party financials provided by CPA with first-hand knowledge of client’s finances

TT*

Tax Transcript - Client must provide Request for Transcript of Tax Return (IRS 4506T-EZ)

71IR*

Expanded Inspection Report to include Cognitive Tests

* Nashville Office Ordered Requirement

Total Line of Coverage with American General Companies All American General Companies (including American General Life, Nashville) belong to the AG Life Division and are covered under the same life reinsurance treaties. The agreement mandates that total amount of coverage at all AG Companies be considered for the purposes of underwriting and reinsurance. Simultaneous applications or applications within 12 months, on the same life at multiple AG Companies, must meet the underwriting requirements for the total amount at risk. AG companies reserve the right to request any additional underwriting information felt to be pertinent to the total amount at risk regardless of when applied for.

Attending Physician Statement (APS) An Attending Physician Statement may be ordered by the Nashville Office Underwriter as needed. Below are general guidelines used to determine when an APS should be obtained based on the applicant’s age, amount of coverage, and date of last physical exam: Ages 0 – 5 6 – 17 6 – 17 18 – 39 18 – 39 40 – 59 40 – 59 60 – 70 71 – 80 81+

Guidelines amounts over $100,000 (requires pediatrician records) amounts over $500,000 and physical exam within 2 years amounts over $3,500,000 and physical exam within 5 years amounts over $2,000,000 and physical exam is within 2 years amounts over $3,500,000 and physical exam is within 5 years amounts over $1,000,000 and physical exam is within 3 years amounts over $3,500,000 and physical exam is within 5 years All amounts and physical exam is within 5 years+ All amounts and physical exam is within 2 years+ All amounts and physical exam is within 1 year+

For ages 0 - 17, see Juvenile Insurance Section of this guide. The Nashville Office Underwriter reserves the right to request an APS for any age and amount as needed. + Older Age Guidelines

Ages 60 - 70 71 - 80 81+

Standard if no complete PE within 2 years Decline if no complete PE with 2 years Decline if no complete PE within 1 year

A complete physical exam (PE), for ages 60 and up, is defined as a full exam with a personal physician, including a history, physical and labs. A brief blood pressure check or prescription refill would not satisfy this definition.

27

Prescription Database (RxDB) The Agent must carefully develop medical history to include all medications a proposed insured is taking or has been prescribed. Prescription Database (RxDB) checks are routinely done on applicants.

Timeframe for Acceptance of Underwriting Requirements • Ages 0 - 70: Applications, examinations, labs, MVRs, EKGs, treadmill, and inspection are generally valid for up to one year as long as the new case is placed and paid in that time. If evidence of insurability is > 90 days, a Good Health Statement is required upon delivery. If evidence of insurability > within 2 weeks of being 90 days, a Good Health Statement will be required. • Ages 71+: Applications, examinations, labs, MVRs, EKGs, treadmill, and inspection are generally valid for six months as long as the new case is placed and paid in that time. If evidence of insurability is > 60 days, a Good Health Statement is required upon delivery. If evidence of insurability > within 2 weeks of being 60 days, a Good Health Statement will be required. • When reopening a case, a Good Health Statement is required, regardless the age of the exam. • Any policy reissue requiring an underwriter’s review will need a Good Health Statement, regardless the age of the exam. • Good Health Statement (GHS) is part of the amendment document, no additional GHS is required if an amendment is needed.

Policy Change Transactions An increase or addition of life coverage requested via Policy Change Application (form AGLA 5004) has the same underwriting requirements as a new application. Requests for CTR, AD, PW and rate reductions will require a fully completed form AGLA 5004 only. Any additional requirements would be at the discretion of the Nashville Office. Requests for a change to a non tobacco classification will require a fully completed form AGLA 5004 and oral fluid. Eligibility for a Non Tobacco rating will require that the insured has not used tobacco in any form over the past 12 months. Eligibility will also require that there have been no health changes since original issue that may possibly be linked to tobacco use: i.e. heart, respiratory disease, cancer and will require negative lab testing including tests for HIV and drugs of abuse. The Underwriting Department will evaluate any documented health change on the Customer Service change form. Policies which have been issued on a Preferred Tobacco or Standard Tobacco rate can be reduced to no better than Standard NT subject to meeting the above requirements. Preferred criteria requires 3 years or more abstinence from tobacco products to qualify for a Preferred Class. Also, only UL products are eligible to improve a preferred category and would be subject to full underwriting requirements.

Retention and Reinsurance Limits

Retention Through $3.5 million on Term and $10 million on UL. Reinsurance Auto bind capacity up to $41 million on term and $60 million on UL. Jumbo limit is $65 million. These maximum retention and reinsurance limits are generally for ages 0-70, Table 4 or better. Please contact your underwriting team for ages 71+ or known higher substandard situations.

Non-Tobacco Rate Class The Non Tobacco rate class is available for anyone who has not used tobacco in any form or amount in the past 12 months. Tobacco use includes but is not limited to cigarettes, cigars, pipes, smokeless tobacco, chewing tobacco/snuff, nicotine substitutes (including patches and gum), electronic (smokeless cigarettes): Underwriting is willing to consider the occasional cigar smoker under the following guidelines: • The use must be admitted at the time of application or inquiry (i.e., inspection report) and all case data must coincide with the admitted degree of usage, • No more than one cigar per week, • No nicotine metabolites (cotinine) may be present in our lab testing or any lab testing performed by another carrier within the past 12 months, and • No use of tobacco products other than occasional cigars for at least 5 years prior to the time of application or inquiry. If these guidelines are met, the cigar use will be considered a non-factor in the risk evaluation process. This will allow individuals to receive our best rating class if all other criteria are met. This policy will apply only to occasional cigar users and not other forms of tobacco. If the applicant smokes cigars, but does not meet these guidelines, he/she should be considered a Tobacco user.

Preferred Underwriting Only the very best risks will qualify for Preferred Rates for face amounts of $100,000-up (ages 20 up). Routinely, Standard (not Preferred) rates should be quoted and used in the submission of the application. The Nashville Office will use the following guidelines to determine if the Primary Proposed Insured qualifies for Preferred or Standard rates. The base policy must be at least $100,000 to be eligible for consideration for Preferred rates. Regular underwriting requirements from the age and amount charts will routinely provide the information needed to consider Preferred rates. Any policy which requires a flax extra or Table rating will not be eligible for preferred rates. 28

AMERICAN GENERAL LIFE PRODUCTS PREFERRED CRITERIA – PERMANENT PRODUCTS PNT Lab Scoring

SNT

Pref Tob

St Tob

Used for Rate Class evaluation, term only

No Tobacco (years)

3

1

-

-

Aviation or Harzardous Avocation

No

Yes with FE

no

Yes with FE

Cholesterol/CHOL/HDL ratio

If ratio <6.0, 245 If ratio <5.5, 290

If ratio >6.0, 245 If ratio >5.5, 290

If ratio <6.0, 245 If ratio <5.5, 290

If ratio >6.0, 245 If ratio >5.5, 290

Blood Pressure

0-60: 145/88 61+: 155/88 Blood pressure treatment OK

0-60: >145/88 61+: >155/88 Blood Pressure treatment OK

0-60: 145/88 61+: 155/88 Blood pressure treatment OK

0-60: >145/88 61+: >155/88 Blood pressure treatment OK

Build

See Current (new) height and weight chart

MVR

No DUI, reckless, revocation, suspension/ 6 years

Family History

No death due to coronary artery disease or cancer3 prior to age 60 (parents only)

No DUI, reckless, revocation, suspension/ 3 years

No DUI, reckless, revocation, suspension/ 6 years

No DUI, reckless, revocation, suspension/ 3 years

-

No death due to coronary artery disease or cancer3 prior to age 60 (parents only)

-

NOTE: Ignore family history if proposed insured is age >65 and ignore gender-specific cancers at all ages4 Personal History

No cancer or ratable impairment

1

Will be considered with appropriate rating.

2

Refer to term chart for Pref Plus 1 BP readings.

3

No cancer or ratable impairment

A rating may apply due to overall driving history.

Family History of cancer in parents includes melanoma but usually not other skin cancers. Family history can be disregarded for a proposed insured age 66 and above. Gender specific cancers can be disregarded at all ages (Male insured: disregard mother hx breast, ovarian, cervical cancer. Female insured: disregard father hx prostate, testicular cancer). 4

29

30

0-60: 140/85 61+: 150/85 Blood pressure treatment OK

If ratio <5.0, 215 If ratio <4.5, 290 0-60: 135/85 61+: 140/85 Blood pressure treatment OK

Cholesterol/CHOL/HDL ratio

Blood Pressure

One coronary artery disease or cancer3 death prior to age 60 (parents only)

No death due to coronary artery disease or cancer3 prior to age 60 (parents only)

No coronary artery disease or cancer3 prior to age 60 (parents only)

No cancer or ratable impairment

MVR

Family History

Personal History

A rating may apply due to overall driving history.

No cancer or ratable impairment

No cancer or ratable impairment

No cancer or ratable impairment

No death due to coronary artery disease or cancer3 prior to age 60 (parents only)

No DUI, reckless, revocation, suspension/ 6 years

0-60: 140/85 61+: 150/85 Blood pressure treatment OK

If ratio <6.0, 245 If ratio <5.5, 290

no

-

Pref Tob

-

No DUI, reckless, revocation, suspension/ 3 years

0-60: >140/85 61+: >150/85 Blood pressure treatment OK

If ratio >6.0, 245 If ratio >5.5, 290

Yes with FE

-

St Tob

4

Family History of cancer in parents includes melanoma but usually not other skin cancers. Family history can be disregarded for a proposed insured age 66 and above. Gender specific cancers can be disregarded at all ages (Male insured: disregard mother hx breast, ovarian, cervical cancer. Female insured: disregard father hx prostate, testicular cancer).

3

AIG uses a lab scoring methodology to determine preferred rate classes for Term applications, and overall acceptability. Applications with favorable lab scoring results, in addition to our established preferred criteria, are eligible to receive our best offers. The vast majority of applicants who previously met Preferred Plus, Preferred Non Tobacco, Standard Plus, or Preferred Tobacco rate class criteria continue to do so.

Will be considered with appropriate rating.

2

-

No DUI, reckless, revocation, suspension/ 3 years

NOTE: Ignore family history if proposed insured is age >65 and ignore gender-specific cancers at all ages4

No DUI, reckless, revocation, suspension/ 5 years

1

0-60: >145/88 61+: >155/88 Blood pressure treatment OK

IIf ratio >7.0, 260 If ratio >6.5, 290

Yes with FE

1

See Current (new) height and weight chart

0-60: 145/88 61+:155/88 Blood pressure treatment OK

If ratio <7.0, 260 If ratio <6.5, 290

Yes with FE

1

No DUI, reckless, revocation, suspension/ 6 years

* Where applicable by plan and state approval.

SNT

Used for Rate Class evaluation

STD Plus

No DUI, reckless, revocation, suspension/ 7 years

Build

If ratio <6.0, 245 If ratio <5.5, 290

No

No

5

No Tobacco (years) 3

PNT

Aviation or Harzardous Avocation

Lab Scoring

Pref Plus

AMERICAN GENERAL LIFE PRODUCTS PREFERRED CRITERIA – TERM PRODUCTS

Preferred Build Criteria 2005 Implementation Height & Weight Chart MALE Height

Preferred Plus

Preferred NT

Preferred T

Standard Plus

Std

Std

Feet

In

Low

High

Low

High

Low

High

Low

High

NT

T

4 4 4 4 5 5 5 5 5 5 5 5 5 5 5 5 6 6 6 6 6 6 6 6 6 6

8 9 10 11 0 1 2 3 4 5 6 7 8 9 10 11 0 1 2 3 4 5 6 7 8 9

83 85 88 92 96 99 103 107 110 114 117 121 123 128 130 134 137 142 145 149 152 157 161 165 169 174

131 136 141 146 151 156 161 166 172 177 183 188 194 200 205 211 217 223 230 236 242 249 255 262 269 275

82 84 87 91 95 98 102 106 109 112 116 119 122 126 129 132 136 140 144 147 151 155 159 164 168 173

141 146 151 156 161 167 172 177 183 189 195 200 206 212 219 225 231 237 244 251 257 264 271 278 285 292

82 84 87 91 95 98 102 106 109 112 116 119 122 126 129 132 136 140 144 147 151 155 159 164 168 173

141 146 151 156 161 167 172 177 183 189 195 200 206 212 219 225 231 237 244 251 257 264 271 278 285 292

81 83 86 90 94 97 101 105 108 111 114 118 120 125 127 131 134 138 142 145 149 153 157 162 167 172

147 153 158 164 169 175 180 186 192 198 204 210 217 223 229 236 242 249 256 263 270 277 284 291 299 305

>147 >153 >158 >164 >169 >175 >180 >186 >192 >198 >204 >210 >217 >223 >229 >236 >242 >249 >256 >263 >270 >277 >284 >291 >299 >305

>141 >146 >151 >156 >161 >167 >172 >177 >183 >189 >195 >200 >206 >212 >219 >225 >231 >237 >244 >251 >257 >264 >271 >278 >285 >292

Std

Std

FEMALE Height

Preferred Plus

Preferred NT

Preferred T

Standard Plus

Feet

In

Low

High

Low

High

Low

High

Low

High

NT

T

4 4 4 4 5 5 5 5 5 5 5 5 5 5 5 5 6 6 6 6 6 6 6 6

8 9 10 11 0 1 2 3 4 5 6 7 8 9 10 11 0 1 2 3 4 5 6 7

82 84 87 90 92 94 97 99 101 103 106 107 111 114 117 120 122 126 128 132 136 139 143 145

129 134 139 143 148 153 158 160 169 174 180 185 191 196 202 208 214 220 226 232 238 245 251 257

81 84 86 89 91 93 96 97 100 102 104 106 110 112 116 118 121 124 127 131 134 137 141 144

139 143 148 153 159 164 169 175 180 186 191 197 203 209 215 221 227 234 240 246 253 260 266 272

81 84 86 89 91 93 96 97 100 102 104 106 110 112 116 118 121 124 127 131 134 137 141 144

139 143 148 153 159 164 169 175 180 186 191 197 203 209 215 221 227 234 240 246 253 260 266 272

80 83 85 88 90 92 95 96 99 101 103 105 108 111 114 117 120 123 126 129 132 136 139 142

143 148 153 158 164 169 175 180 186 192 198 204 210 217 223 229 236 242 249 256 263 270 277 284

>143 >148 >153 >158 >164 >169 >175 >180 >186 >192 >198 >204 >210 >217 >223 >229 >236 >242 >249 >256 >263 >270 >277 >284

>139 >143 >148 >153 >159 >164 >169 >175 >180 >186 >191 >197 >203 >209 >215 >221 >227 >234 >240 >246 >253 >260 >266 >272

31

Medical History Information concerning a Proposed Insured’s health history, essential for proper risk classification, is obtained primarily by the Agent through careful questioning of the Proposed Insured except where such information is gathered in the course of a medical examination by an examiner engaged by the Company. It is important all questions are understood by the Proposed Insured and answered fully and correctly. The Agent must record the answers exactly as given by the Proposed Insured. Many Proposed Insureds have periodic physical examinations as part of a program of preventive medicine. Most examinations, however, are prompted by symptoms or illness or for control of chronic disease. The Proposed Insured should be questioned, in detail, regarding the reason for the examination and the doctor’s diagnosis or findings. The doctor’s full name and address should be given along with the dates of the examination or consultation. If all questions regarding past medical history are answered “no”, and particularly if the Proposed Insured is age 50 or older, the Agent should carefully question the Proposed Insured a second time. It is unusual for anyone to have not seen a doctor or other medical provider especially if they are age 50 or over. Details of Medical Histories When a medical history is developed, secure the information indicated below: 1) Date of Onset. List month and year in which the illness or disability commenced or injury occurred. 2) Duration. List number of days, weeks or months the Proposed Insured was disabled or in impaired health by reason of illness or injury. If there was a hospital confinement indicate the number of days hospitalized. 3) Details of Illness, Impairment or Check up. Furnish the information as described in the words of the Proposed Insured. It normally will include diagnosis, type of treatment and results of treatment. If diagnostic studies such as laboratory studies, x-ray, electrocardiogram, CAT scan, etc. were performed, provide the type and results of studies. Provide any details which define the problem and/or results of treatment. 4) Pending Testing or Treatment. If medical testing or major surgery has been advised but not completed, the application should not be written. 5) Names, Addresses and Phone Numbers of Medical Providers. On the application or on a separate attachment provide the name of the doctor or medical facility, the full address including zip code and the telephone number of the doctor or medical provider. If more than one medical provider was used, provide all names, addresses and phone numbers along with the service provided by that specific medical provider. Failure to provide full information may result in underwriting delays.

32

Overweight For insurance purposes, obesity ratings are based on mortality studies and average weights found in the insured population. For mortality, the range of increased weight acceptable at standard rates is relatively wide. The following chart includes minimum weights for Table B. When the weight exceeds these limits by 50 pounds, contact Nashville Office Underwriting before writing the application. Weight Height

4’8” 4’9” 4’10” 4’11” 5’0” 5’1” 5’2” 5’3” 5’4” 5’5” 5’6” 5’7” 5’8” 5’9” 5’10” 5’11” 6’0” 6’1” 6’2” 6’3” 6’4” 6’5” 6’6” 6’7” 6’8” 6’9”

Ages 16-44

Ages 45 and over

168 174 180 186 193 199 206 212 219 226 233 240 247 254 262 269 277 285 293 301 309 317 325 333 342 350

172 178 185 191 198 204 211 218 225 232 239 246 254 261 269 277 284 292 300 309 317 325 334 342 351 360

Proposed Insureds above these heights and weights should anticipate a substandard rating.

Maximum Substandard Ratings by Age

Age 0 - 15 16 - 70 71 - 75 76 - 80 81 - 85

Table Rate F P L H Standard Only

33

Underwriting Medical Impairments The following Underwriting Medical Impairment section of this guide is designed to provide common ratings for many types of illnesses and medical conditions. Each individual case will be rated on its own merits and may vary from those listed in this guide. Risk Categories: * Not Rated Rated A-C1 Rated D-H2 Rated I & Above3 Decline Up to Table C or Flat extras $5.00 or less per $1000. Table D to H or Flat extra above $5.00 per $1000. 3 Table I and above. Permanent Plans Only. 1

Rated D-H

Rated A-C

Not Rated*

Multiple impairments are considered on an individual basis.

Decline

* May qualify for better than standard rates in some cases.

Rated J & Above

2

Acromegaly x Addison’s Disease x ADHD/ADD x x AIDS/HIV Positive (Human Immunodeficiency Virus) x Alcohol Treatment History Current Alcohol Use (Adv Hist) x Alcoholism Reformed (2-year postponement) x x Alzheimer’s Disease x Amenorrhea x Amyloid Disease x Amyotrophic Lateral Sclerosis (ALS) x Anemia Most cases recovered x Aplastic Anemia x Sickle Cell Disease x Sickle Cell Trait x Aneurysm Unoperated x Operated, after 6 months x x Angina Pectoris Angioplasty bypass within 6 months x Myocardial Infarction & Angina x x Prinzmetal x Prior to age 40 x Unstable (Crescendo) x With normal angiography x x Angioneurotic Edema x Ankylosing Spondylitis x x Anorexia Nervosa Current x Recovered, stable at least 1 year x x Anxiety Disorders Mild or well-controlled x Others x x * May qualify for better than standard rates in some cases.



34

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Aortic Aneurysm Unoperated x Operated, after 6 months x x Aortic Murmurs/insufficiency x x Arrhythmias Atrial Fibrillation x x Few PVCs x Many PVCs x x Arteriosclerosis Obliterans x x Arteriovenous (AV) Malformations Cerebral unoperated x Operated, no residual, stable for 6 months x x Arthritis Osteo x Other (see specific diagnosis) Artificial Valve Valve replacement with 6 months (no term coverage less than age 50) x Good heart function x Moderate to poor heart function x Asbestosis Mild cases, no present exposure x Others x Ascites x Asthma Mild, no hospitalization, no meds x Other x x Asymmetric Septal Hypertrophy Age 30 or less x Over age 30, no symptoms x Atrial Fibrillation x x x x Atrial Flutter x x x x Atrial Septal Defect Small, otherwise normal findings, stable x With complications x Atrioventricular Block Incomplete (1st degree) x 2nd degree block with pacemaker x 2nd degree block without pacemaker x Complete block (3rd degree) with pacemaker x 3rd degree block without pacemaker x Bacterial Endocarditis Rate for murmur x x Bariatric Surgery (current build requires an additional rating) x x Barlow’s Syndrome x x Barrett’s Esophagus x x Basal Cell Carcinoma x x Bell’s Palsy (Recovered) x * May qualify for better than standard rates in some cases.

35

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Benign Prostatic Hypertrophy Treated, recovered and no complications x Others x Berger’s Disease (IGA Nephropathy) x x Bicuspid Aortic Valve x x x Bigeminy x x Biliary Colic Recovered x x Biliary Cirrhosis x Blindness Due to injury (after 1 year) x Blood Pressure Well-Controlled x Moderate Control x Poor Control x x x Boeck’s Sarcoid Restricted to lungs or skin, and arrested x Others x Bone Marrow Failure (Full recovery, after 1 year) x Brachial Palsy x Bright’s Disease Acute, Recovered x Chronic Good renal function x Poor renal function x Bronchiectasis Mild to moderate x x Severe x x x Bronchitis (chronic) Mild to moderate x x Severe x x x Buerger’s Disease Smoking not abandoned x Stable at least 2 years x x Bundle Branch Blocks, EKG Hemiblock x Right Bundle Branch Block x x Left Bundle Branch Block x * May qualify for better than standard rates in some cases.



36

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Current Cancer Treatment x Cancer Consider within first year: Most benign tumors x Basal cell carcinoma x Melanoma insitu, seminoma x x x Postpone, 2, 3, or 4 years: Most other malignancies x x Postpone 5 years: Metastatic Disease x Postpone 10 years: Leukemia, sarcoma, lymphoma x x Cardiac Failure Chronic x Cardiac Pacemaker (artificial) x x Cardiomyopathy x x Carotid Bruits x Carotid Sinus Syncope Cause unknown x Celiac Disease (Sprue) Recovered x Cerebral Embolism Single episode, no complications and stable 1 year x x x Multiple episodes, or with complications x Cerebral Palsy Mild to moderate involvement x More extensive involvement x x Cerebral Thrombosis Single episode, no complications, stable 1 year x x Multiple episodes or with complications x Cerebrospinal Meningitis Recovered with no residuals x Cerebrovascular Accident (Stroke) Single episode, no complications x x Within one year; multiple episodes, or with complications x Charcot Marie-Tooth Disease x Chest Pain, Non-Cardiac x Cholangitis, Recovered x Cholecystitis, Recoverd x Chondrocalcinosis x Chorea Huntington’s x Sydenham’s recovered, no complications x Christmas Disease (Factor IX deficiency) x Chronic Active Hepatitis x Chronic Bronchitis x x x x * May qualify for better than standard rates in some cases.



37

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Chronic Obstructive Pulmonary Disease (COPD) x x x COPD severe (on oxygen or disabling) x Chronic Persistent Hepatitis Diagnosis Certain x x Cirrhosis (definite diagnosis) x Claudication x x Coarctation of Aorta x x Cocaine Usage History (Postpone 3 years) x x Coccidioidomycosis Not operated with minimal, or operated with good result, lungs stable 6 months x Systemic or disseminated x Colitis (Ulcerative) x x Colon Polyps Unoperated x Operated, benign x Complete Heart Block With pacemaker x Without pacemaker x Congestive Heart Failure (Chronic) x Convulsions x x x Grand Mal Seizure within 1 year x Cor Pulmonale (Chronic) x Costochondritis x Cranial Arteritis x Crohn’s Disease x x x Cushing’s Sydrome 1 yr from treatment, good results x x Cyclical Edema x Cystic Fibrosis x Cystitis x x Dementia x Depression Controlled and on medication x x Others x Diabetes Insipidus x Diabetes Mellitus Juvenile Onset Diabetes x Onset prior to age 31 x Onset 31 to 45 x Onset 46+ x x Onset 50+ (good cont., no insulin, no complications) x x Diabetic Nephropathy x Constant Albuminuria x Dialysis (Renal Failure) x Diffuse Cerebral Sclerosis x Diplopia Cause unknown, over 1 year from episode x * May qualify for better than standard rates in some cases.



38

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Diverticulitis, Colon x Diverticulosis, Colon x Down’s Syndrome x Drug Addiction (postpone 3 years) x x x Drug Use (other than marijuana) in the last 3 years x Performance enhancing drugs, current or recent use (steroids) x Dubin-Johnson Syndrome x Duodenal Ulcer x x Eclampsia - Recovered x Emphysema x x x x Empyema - Complete Recovery x Encephalitis Recovered after 1 year x Others x Endocarditis Rate for murmur x x Endometriosis x Epididymitis - Recovered x Epilepsy x x x Erythema Multiforme - Recovered x Erythema Nodosum - Recovered x Fibrocystic Disease - Breast, benign or non-progressive x Fistula-in-Ano x Focal Glomerulonephritis x x Functional Murmurs x Gastric Stapling/Bypass** x x Gastric intestinal bypass within 1 year x Gastritis x x Gastroenteritis x Gastroplasty** x x Gestational Diabetes Currently pregnant x Recovered < 2 years x Recovered > 2 years x Gilbert’s Syndrome x Glaucoma x Glomerulonephritis Chronic x x x x x Good renal function x Poor renal function x Goiter - (see Grave’s Disease) Gout x x Grave’s Disease (Recovered) Mild to moderate increase in pulse x x With cardiac abnormalities x * May qualify for better than standard rates in some cases. ** Current build may require an additional rating



39

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Guillain-Barre Syndrome x x Hashimoto’s Disease Mild to moderate increase in pulse x With cardiac abnormalities x Heart Attack - See Myocardial Infarction Heart Failure (Chronic) x Hemochromatosis x x x x Hemodialysis (Renal Failure) x Hemophilia Best x Moderate x x Poor x Hepatic Failure x Hepatitis x x x Hereditary Nephritis x Herpes x Hirschsprung’s Disease Unoperated, not severe, no operation contemplated x Operated, recovered x Histoplasmosis Of lungs, skin, superficial structures after 6 months x x Disseminated, 1 year after treatment and recovery x Huntington’s Chorea x Hydrocephalus Infancy and childhood x Adult x x Hyperlipidemia x x x Hyperparathyroidism x x Hypertension Well-controlled x Moderately controlled x Poorly controlled x x x Hyperthyroidism Mild to moderate increase in pulse x With cardiac abnormalities x Hypertrophic Obstructive Cardiomyopathy (HOCM) Under age 40 x Over age 40, no symptoms x x Hypogammaglobulinemia (Congenital) x x Hypoglycemia - Functional x Hypoparathyroidism Complete recovery x Other x Hypotension (cause unknown) x Hypothyroidism x x Hysterectomy (not due tomalignancy) x * May qualify for better than standard rates in some cases

40

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Idiopathic Hypertrophic Sub-aortic Stenosis (IHSS) Under age 40 x Over age 40, no symptoms x x Ileitis x x Intermittent Claudication x x Intestinal Bypass x x Iritis (Cause unknown) x Irritable Bowel Syndrome x Juvenile Rheumatoid Arthritis x x x x Kimmelsteil - Wilson Disease x Kyphosis x Labyrinthitis (Recovered) x LBBB (Left Bundle Branch Block) x Left Anterior Hemiblock (LAH) x Left Posterior Hemiblock x x Legionnaire’s Disease (Recovered) x Leukemia x Lipoid Nephrosis Recovered and stable 2 years x Lupus Discoid (Without complications) x Lupus Erythematosus (No complications after 2 years) x x Others x Lupus Nephritis x Mallory-Weiss Syndrome Present x Manic-Depressive Disorders Stable 1 year x x x Marfan’s Syndrome Mild, no complications x Marijuana x x x x x Megacolon Unoperated, not severe, no operation contemplated x Operated, recovered x Meniere’s Disease (recovered) x Meningitis (Recovered, no residuals) x Mental Disorder requiring hospitalization or disability in last year x Mental Retardation Mild x Moderate x x Severe x Migraine (Cause unknown, at least one year from onset) x Minimal Change Glomerulonephritis (Recovered and stable 2 years) x x x x Mitral Valve Prolapse Uncomplicated x Complicated x x Mononucleosis - Recovered x Morphea - Mild x x Multiple Sclerosis (MS) Single or multiple episodes, stable 1 year x x Disabling or progressive x * May qualify for better than standard rates in some cases.

41

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Muscular Dystrophy (MD) Localized x x Others x Myasthenia Gravis Mild, stable 6 months x Others x Myocardial Infarction (MI) After age 40, stable, no complications, favorable cases x x Others x Myocarditis x Myositis x Narcolepsy x Necrotizing Angitis One year stable remission, no complications x x Others x Nephrectomy (benign) x Nephritis Acute, recovered x Chronic: Good renal function x x Chronic: Poor renal function x Neuritis (Cause unknown) x Optic Neuritis (Cause unknown) x x Organic Brain Syndrome x Orthostatic Hypotension (Cause unknown, adequate investigation) x Osteitis Deformans Mild, not progressive x Others x Osteomyelitis x Osteoporosis x x Otitis Media (Recovered) x Otosclerosis x Pacemaker - implanted (within 3 months) x Thereafter x Implantable Cardioverter/Defibrillator x Paget’s Disease (Bone) Mild, not progressive x Others x Palpitations x x Pancreatitis Acute (Recovered > 2 years) x Chronic x Pancytopenia (Full recovery, after 1 year) x Paraplegia Under age 60, rarely better than Table H x x x Over age 60 x x x * May qualify for better than standard rates in some cases.

42

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Parkinson’s Disease Best cases, not progressive x Slowly progressive x Others x Patent Ductus Arteriosus Unoperated x Operated, complete recovery x Peptic Ulcers - See Ulcers Pericarditis x x Simple episode - recovered x Peripheral Polyneuritis (Cause unknown) x Peritoneal Dialysis For chronic renal failure x Peripheral Vascular Disease x x x x Smoker x Peyronie’s Disease x Phlebitis x x Pneumoconiosis Mild cases, no present exposure x Others x Poliomyelitis, no residuals x Mild to moderate residuals x Severe residuals x x x Polyarteritis Nodosa 1 year of stable remission, no complications x x Others x Polycystic Disease, Kidney Under age 40 x Over age 40 - renal function normal x x x Over age 40 - renal function impaired x Polycythemia Well-controlled x Others x Polyp, Intestinal (benign) x Portal Hypertension x Premature Atrial Contractions (PACs) Few x x Many x x Pregnancy (Uncomplicated) x Current Pregnancy with gestational diabetes, toxemia, eclampsia, or pre-eclampsia x Primary Biliary Cirrhosis x Prinzmetal Angina x Prostatitis Treated and recovered, no complications x Others x Proteinuria Small amount x x Moderate amount x x Large amount x * May qualify for better than standard rates in some cases. 43

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Psoriasis x Systemic x Psoriatic Arthritis (See Rheumatoid Arthritis) Psychomotor Epilepsy x Pulmonary Hypertension x Pulmonary Infarction With full recovery x Pyelonephritis - 1 year after treatment and recovery x Quadriplegia Term insurance not available; no permanent coverage for at least 2 years after onset x Complete x Incomplete x x Raynaud’s Disease x Phenomenon x RBBB (Right Bundle Branch Block) x Uncomplicated x Regional Ileitis (Enteritis) x x Reiter’s Sydrome x Renal Artery Stenosis x Renal Failure x Renal Transplant: Best cases, 3 years from surgery Living donor x Cadaver (donor) x Other condition or more recent x Rheumatoid Arthritis NSAIDS x Methotrexate, Prednisone x Gold x Disabled x Sarcoidosis Restricted to lungs or skin and arrested x Others x Sciatica x Scleroderma Localized, mild, active or inactive x Generalized x Sclerosing Cholangitis x Scoliosis mild/moderate x severe x x x x Seminoma Over 10 years x More recent x x Senile Dementia x Sick Sinus Syndrome (Cause unknown) x x x Sickle Cell Anemia x Trait x * May qualify for better than standard rates in some cases. 44

Decline

Rated J & Above

Rated D-H

Rated A-C

Not Rated*

Sjogren’s Syndrome x x Sleep Apnea Successfully treated x x Others x Spina Bifida With minimal deformity x Others x Stress Test Positive x x x x Stroke, Best cases x x Suicide Attempts Single attempts after 1 year x x Multiple attempts x Systemic Lupus Erythematosus (SLE) No complications x x Others x Tachycardia x x Tetralogy of Fallot Total surgical correction x x Others x Thyroiditis With mild to moderate increase in pulse x With cardiac abnormalities x Transient Ischemic Attack x x Transplant (Awaiting or Recipient) x Trisomy x Ulcers, Stomach x x Ulcerative Colitis x x Urticaria x Varicies, Esophagus x Vasovagal Reaction (cause unknown, adequate investigation) x x Ventricular Septal Defect (VSD) Small, otherwise normal findings, stable x x With surgery, no residuals x With complications x Ventricular Tachycardia Less than 2 years x More than 2 years x x x Von Willebrand’s Disease x x Wolff-Parkinson-White Pattern (WPW) x x * May qualify for better than standard rates in some cases.



45

Automatic Bank Check (ABC) Mode ABC premium can be set up on monthly, quarterly, semi-annual or annual withdrawal. The minimum ABC premium withdrawal is $5.00 and may be met by one policy or multiple policies. Unique ABC: When the withdrawal is other than monthly, it is referred to as “unique ABC” and will draft on the anniversary date. Monthly Withdrawal Date: When the withdrawal is monthly, the policy issue date will typically be the ABC withdrawal date. If a specific withdrawal date is desired, that should be indicated on the ABC authorization form (179) or on Electronic App. If no withdrawal date is specified, the withdrawal date will be the issue date for new accounts or the current withdrawal date on existing accounts. Record Information Correctly: For paper applications, staple the ABC authorization form to the application so they will not become separated during processing. It is the responsibility of the Agent to record the names of all proposed insureds and the correct bank account number and routing number on the form. For all applications, both paper and electronic, verify with the customer the correct bank account as the Company is subject to charges from banking institutions when inaccurate information is submitted to them. Bank Account Holders: If the account holders are named on the bank account as “or” (John or Mary Doe, John Doe or Mary Doe), either accountholder may sign the paper or electronic form to authorize the withdrawal. If the bank account is listed as “and” (John and Mary Doe, John Doe and Mary Doe), both accountholders must sign the form. If both names are listed without an “or” or “and”, either accountholder may sign the form.

Policy Illustrations Life insurance illustrations were developed to provide information to consumers which will allow them to make an informed decision regarding the purchase of certain life insurance products. Life insurance illustrations are available on many life insurance plans offered by American General Life. Many states have adopted life insurance illustration guidelines and requirements applicable to life insurance plans with face amounts of $10,000 or more that have nonguaranteed values, i.e. adjustable interest or cost of insurance rates. (NAIC Life Insurance Illustration Model Regulation or state specific versions.) In states where such illustration regulations have been adopted, illustrations will either be provided at time of application or be provided at the time of issue. For American General Life this covers all universal life and excess interest whole life products. The illustrations are very complete and describe coverage and premium information, policy information, summary of values among other information. Also included are spaces for the Applicant and Agent to sign the illustration. These are required signatures. Submission requirements vary by state. You should be knowledgeable about the requirements in the state in which you are licensed to write applications. Specific details, by state, are provided in Product Announcements. Many states require that the illustrations used as part of the sales process for certain policies with non-guaranteed elements be included with the application when submitted to the Nashville Office. If an illustration or quotation was not used then a statement (8122 for ULs or 8124 for GUL) acknowledging same must be submitted with the application. If an illustration was not used at the time of sale, American General Life will mail to the policy owner 2 sets of illustrations that match the issued policy. Enclosed will be a stamped return envelope and instructions for the policy owner to sign the illustration and return 1 set of the illustration back to the Nashville Office New Business for inclusion in the file.

46

When using illustrations in the sale of a life insurance policy: AGENTS CANNOT • Represent the policy as anything other than a life insurance policy. • Use or describe nonguaranteed elements in a manner that is misleading or has the capacity or tendency to mislead. • State or imply that the payment or amount of nonguaranteed elements is guaranteed. • Use an illustration that does not comply with the requirements of the regulation. • Provide an Applicant with an incomplete illustration. • Represent in any way that premium payments will not be required for each year of the policy in order to maintain the illustrated death benefits, unless that is the fact based on Guaranteed amounts. • Use the term “vanish” or “vanishing premium,” or a similar term that implies the policy becomes paid up, to describe a plan for using nonguaranteed elements to pay a portion of future premiums.

Replacements A replacement occurs whenever an application for a new policy is taken with the intent to replace an existing policy. A replacement of one policy with another policy from the same company is called an internal replacement. A replacement of one policy with another policy from a different company is called an external replacement. It is important that purchasers of American General Life policies receive information with which a decision can be made in his or her best interest. When that purchase involves the possible lapse, surrender or loan against an existing policy (whether that policy is an American General Life policy or another company’s policy), a replacement occurs and state regulations must be followed to ensure that the purchaser has adequate information to make a replacement decision. Replacement forms should be attached to paper applications upon original submission. Otherwise, they may be faxed as below: Replacement forms should be attached to paper applications upon original submission. Otherwise, they may be faxed to 615-7492804 or 615-749-2238.

Policy Delivery The policy should be promptly delivered to the Owner (Applicant or other, if designated as Owner). The policy must be delivered to the applicant and the full first premium reported (as well as any required A3 amendments) within 45 days of Nashville Office issue. After 45 days the policy will automatically become Not Taken and any cash with application will be returned to the applicant. The policy provisions and any changes to the application should be reviewed at the time of policy delivery. If the Proposed Insured does not appear to be in sound health or if there has been any change in health since the date of the application, the policy should be returned to the Manager with an explanation. The Manager should contact Nashville Office Underwriting to determine what action should be taken. It is sometimes necessary to issue policies other than as applied for. Changes (amendments) made to the application may require completion of an amendment form. In some states other forms such as Policy Illustrations or arbitration notices may require completion at the time of policy delivery. In such instances, when signatures on required forms are necessary, it is the responsibility of the Agent to obtain the properly completed forms and forward them to New Business to be attached to the file.

47

Worksite • • • • •

Section 125 available. Simplified Select is available for 2 or 3 units of base coverage and up to 4 units with the hospital cash rider Spouse coverage: No spouse signature needed on application. (Unless a step-child is being covered.) No spouse HIPPA form needed. (Unless a step-child is being covered.)

Underwriting Details Worksite (PD) Face Amount $10,000 – 50,000

Ages 18-60 Non-Medical

Ages 61-64 Non-Medical (Max face amount is $25,000.)

Worksite Marketing

Minimum Case Requirements Traditional Worksite • Company must have five (5) or more eligible employees • NFIB companies must have five (5) or more eligible employees • Must submit applications on at least 2 non-related employees • Monthly premium must total at least $50 • Employee must be actively at work on the day of enrollment and working at least 30 hours per week Employer Sponsored ABCW Arrangement • The Effective Date of Coverage determines the Date of the Initial Draft from the employee’s bank account. • Initial drafts may occur any date from the 1st to the 28th. • Each employee’s effective date does not need to be the same. • Effective Date on Application must match the Initial Draft Date on the 179 ABC Authorization. New Business Submission Traditional Worksite Cases • The Worksite New Case Checklist (8564) must be completed and signed by the appropriate managers and accompany the Voluntary Benefits Transmittal Form (8524) and Employer’s Acceptance Form (8535-F1) when submitting new cases to the Nashville Office. • Completed Worksite New Case Checklist, Voluntary Benefit Transmittal, Employer’s Acceptance form and Payroll Deduction Applications should be submitted to the Nashville Office in the white Worksite New Business envelope 32F11, which is pre-addressed to 558N. The envelope should be used for both initial case enrollments as well as add-on business. • Completed/signed Payroll Deduction Authorization forms 8531 should be delivered to the client company’s payroll clerk in the neon-colored envelope 8570 immediately after enrollments are completed in order to allow one full month’s premium to be deducted prior to the receipt of the bill. The neon envelope and forms should not be sent to the Nashville Office. Employer Sponsored ABCW Arrangement Cases • Completed Employer Sponsored Voluntary Benefits Program Authorization Form (8535-ABC), Worksite Payroll Deduction Application (AGLA1000-WS, or State Variation) with a signed ABC Authorization (179) for each application should be submitted to the Nashville Office in the white Worksite New Business envelope 32F11, which is pre-addressed to 558N. The envelope should be used for both initial case enrollments as well as add-on business. • Employees should be notified of the date their initial bank draft will occur and reminded that their coverage will begin on that date. Case Dating – Assigning Effective Dates Traditional Worksite Cases • Allows requested effective date of coverage to be indicated on the worksite application • Applications dated from the 1st through the 15th of the month; the requested effective date should be the 1st day of the following month. Applications dated from the 16th through the 31st of the month; the requested effective date should be the 15th of the following month. • Requested effective date cannot be more than 2 months after the application date. • All worksite new business applications must be received in the Nashville Office at least 10 days prior to the requested effective date. • Requested effective date should be written in the referenced box at the top of the AGLA1000-WS application. QoL Index Plus has special dating requirements: • Refer to QoL Index Plus Agent’s Guide.

48

Employer Sponsored ABCW Arrangement Cases • The Effective Date of Coverage determines the Date of the Initial Draft from the employee’s bank account. • Initial drafts must occur on the 1st or the 15th day of the month. • Each employee’s effective date does not need to be the same. • Effective Date on Application must match the Initial Draft Date on the 179 ABC Authorization. Arrears Billing For Traditional Worksite Cases • All new traditional worksite policies will be billed on the 20th of the month in which they become effective. • Policies in-force prior to 5-2-05 continue to be billed on the 20th of the month using the advance billing procedure. • Pending policies appear on the bill generated in the month for which the pending policies become effective. • In all cases, all deductions should begin soon enough to allow for withholding one full month’s premium prior to the end of the month in which policies become effective. Worksite Multi-Product Application Agents should use the AGLA1000-WS (or state variation) for all Worksite business. A state approval grid with the appropriate form number by state can be viewed on Connection. Case Identification - The blue outlined box at the top of the app requires completion to indicate whether the app is from a new case or an existing group. If the application is for an employee of an existing worksite account, the Agent must provide the Payroll Deduction Existing Acct. Number in the space provided on Page 6 of the AGLA1000-WS. Product Selection - All products, options and riders are separated by coverage type. The monthly premium for each product applied for should be shown in the final column of each applicable section. The sum of all monthly premiums should be shown on the third page of the app and divided by the appropriate factor shown, based on the deduction frequency of the Employer to determine the premium to be deducted from each paycheck. Underwriting Information - The health and background questions are numbered and separated by coverage type and underwriting classification. • All questions for a specific coverage must be answered for normal underwriting. • The first six questions must be answered for all coverages and all underwriting classifications. • No additional questions are required for (SSI) No Conditional Receipt - The AGLA1000-WS application provides no temporary insurance and contains no Conditional Receipt. The perforated section at the bottom of the final page contains the Notice of Information Practices and MIB Pre-Notice and must be removed and provided to the applicant. Underwriting Classes for Worksite Business • Current underwriting classifications are: Normal Underwriting, Simplified Issue (SI) and Simplified Select Issue (SSI). • Normal Underwriting - applications should be fully completed for products being applied for and all normal age and amount requirements must be met. • Simplified Issue (SI) - applications are simplified issued on qualified cases by meeting participation requirements within the 30day enrollment period. Applications can be submitted non-medically. Any medical or inspection reports required will be ordered from the Nashville Office. More liberal underwriting will apply. • Simplified Select Issue (SSI) - applications are simplified select issued on qualified cases by meeting participation requirements within the 30-day enrollment period. Applicant’s eligibility for simplified select issue will be based on satisfactory responses to three medical questions on the Multi-Product Application (AGLA1000-WS, or state variation). • AG Worksite Term may qualify for (SI) or (SSI). Each product must satisfy the participation requirements based on the number of employees purchasing that specific product. • The Worksite Multi-Product application AGLA1000-WS, or state variation, supports (SSI) through the inclusion of 3 health-related background questions requiring satisfactory responses. • Spousal coverage amounts for (SI) and (SSI) may not exceed the lesser of the coverage amount on Primary Proposed Insured or $20,000. The age of the spouse must be within 15 years of the Primary Proposed Insured’s age. Minimum Participation Requirements for Special Underwriting Classifications Number of Full Time Eligible Employees

2 - 10 11 - 25 26 – 50 51 & up



Minimum Participation Required for AG Worksite Term Normal Simplified Simplified Underwriting Issue Select Issue All < 25% < 20% < 10%

N/A 25% - 49% 20% - 39% 10% - 34%

N/A 50% up 40% up 35% up





49

Maximum Amount of Life Insurance Available on SI and SSI N/A $25,000 $50,000 $50,000 ** ** over age 65 is $25,000

AG Worksite Term Due to the unique and differentiated nature of the AG Worksite Term product, the normal underwriting requirements are different than those of other life products. AG Worksite Term is underwritten on a Tobacco Distinct basis with premiums identical for males and females. Substandard ratings through table H are also available. The primary proposed insured for AG Worksite Term must be a full time, actively employed, employee of the business entity working a minimum of 30 hours per week. Normal Underwriting - AG Worksite Term has the following distinct underwriting requirements: AGES

AMOUNTS

REQUIREMENT

18-50

$10,000 - 90,000

Non-Medical

51-60

$10,000 - 50,000

Non-Medical



$50,001 - 90,000

Para Med, BP, Urine

61-70

$10,000 - 25,000

Non-Medical



$25,001 - 49,999

Para Med, Urine



$50,000 - 90,000

Para Med, BP, Urine

Premium Waiver - Must be elected at the employer level to be available. If elected, PW must be applied for on each application in the group (subject to the age restrictions). If not elected, PW is not to be applied for on any application in the group. Premium Waiver and Accidental Death benefits added to an AG Worksite Term application are always subject to underwriting and do not qualify for (SI) or (SSI) treatment. Classification of Businesses The current Ineligible / Restricted Business List can be viewed and printed from Connection. Most Frequently Used Worksite Forms • AGLA1000-WS (or state variation) - Multi-Product Application • 8564 - Worksite New Case Checklist • 8524 - Voluntary Benefit Transmittal form • 8535-F1 - Employer’s Acceptance form • 8531 - Authorization for Deduction of Premium • 8535F2 - Employee Understanding of Payroll Deduction for IRA • 8523 - Confidential Questionnaire (Only Available on Connection) • 8522G - Employer Presentation Guide • 8522K - Employee Enrollment Kit • 8537 - Pre-Approach Mailer • 7492 - Freedom Worksite TermSM Rate Card • 8153-22WS - Worksite Prestige brochure • 8560 - Worksite “We’ll Be Here Soon” poster • 8561 - Worksite “We’re Here Today” poster • 8562 - Worksite Benefits poster • 8538-ABCW - Worksite ABCW Employer Presentation Brochure • 8535-ABCW - Employer Sponsored Voluntary Benefits Program Authorization • 8536-ABCW - Employer Sponsored Voluntary Benefits Program Waiver of Participation • 179 - ABC Authorization • 32F11 - Worksite Application Envelope • 8570 - Payroll Deduction Authorization Forms Envelope

50

Life Claims Guidelines

GENERAL LIFE AND ACCELERATED BENEFIT CLAIMS PRACTICES TO REMEMBER Anyone inquiring whether a claim benefit is payable should be given the opportunity to submit a claim on the appropriate form. * No claim may be declined in the Local American General Office by any Local American General Office personnel. * Information should be received politely and without comment as to its validity even if the claim was previously denied or the policy lapsed. * No comment or suggestion should be made to a claimant that a claim will or will not be paid. That communication must come from Life Claims. No Quotes should be given to claimant from C02 Screen. * Use the following forms/guidelines to help avoid delays in claim processing TYPE FORMS DOCUMENTS INSTRUCTIONS A. Death Claim AGLA180A 1. Proof of Death: Notice of Death AGLC100607 • Certified copy of death certificate The Life Claims department should (Required if Contestable, be immediately notified of a death Accidental death and or total by one of the following methods: claim is $50,000 or more. • Electronic App – Notice of Claim Must be mailed to Nashville Office) • Local Office – Notice of Claim • Photocopy of death certificate submitted by LC11 screen. if total claim is less than $50,000: • Telephone – 1-800-888-2452 Fax copy of death certificate Any documents received should be • AGLC3607-5 (Short Form submitted to the Nashville Office as Proof of Death) Completed by soon as they are received even if coroner, funeral director or all documents have not been attending physician if total claim received. is $15,000 or less Submitting a Death Claim • Published obituary notice, Funeral • Fax the Claimant’s Statement, Home Notice (program), Funeral Proof of Death, assignments and Home statement from Funeral any other documents that are not Director if total claims is $5,000 required to be mailed. Include or less policy numbers and or claim 2. Claimant’s Statement (AGLA180A) number in the fax. 3. Assignment, if assigned 615-749-1329 – (Preprinted fax 4. Medical Authorization if claim is cover sheet, mark Life Claims contestable or claimant is claiming Documents) accidental death. (AGLC100607) 615-749-2254 – (If preprinted fax cover sheet is not available). If the claim is $50,000 or more, contestable, accidental death, or out of Country death, original documents must be mailed to 380S. B. Accelerated AGLC108575 1. Accelerated Benefit Rider Claim • Have owner complete Part A of an Benefit AGLC100607 form (AGLC108575) Accelerated Benefit Claim form and Claim 2. Medical Authorization form have Physician complete Part B. (AGLC100607) • Have the owner complete a HIPAA Authorization • Have insured complete Part C of an Accelerated Benefit Claim form. • Fax to Life Claims 615-749-1329, using the preprinted Fax Cover page and mark “Life Benefit Rider Docs” or mail to Life Claims (mail code 380S). NOTE: The above claims can’t be entered through the Local Office system or Electronic App at this time.

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Accelerated Benefit Rider Claim Filing Guideline To begin the claim process under an accelerated benefit rider, the owner must provide the following items: (a) a completed claim form; (b) proof satisfactory to Us including, but not limited to, a written definitive diagnosis, as applicable, and/or certification, as applicable, of an Insured Person’s qualifying illness signed by a Physician or a Licensed Health Care Practitioner, as applicable, under the terms of the relevant accelerated benefit rider; and (c) the written consent, on a form provided by Us, of any irrevocable Beneficiary, assignee or other required party to Your election of an Accelerated Benefit under this rider. If we determine that the conditions for payment of an Accelerated Benefit have been met, We will notify the Owner of the Accelerated Benefit Amount and will send the Owner an election form for Accelerated Benefits. To elect an Accelerated Benefit, the Owner must complete the election form and return it to Us within 60 days of receipt. If a Policy Owner elects to receive an accelerated benefit, the Company will not provide a later opportunity to elect such a benefit as to the same qualifying critical illness or chronic illness under an Accelerated Benefit Rider (QoL SelectChoice ABR), Critical Illness Accelerated Benefit Rider, Chronic Illness Accelerated Benefit Rider, or Terminal Illness Accelerated Benefit Rider (but not the Chronic Illness Accelerated Death Benefit Rider issued in California). Also, under certain circumstances where an insured’s mortality (i.e., the Company’s expectation of the insured’s life expectancy) is not significantly changed by a qualifying critical illness or qualifying chronic illness, the accelerated benefit may be zero. The election of an Accelerated Benefit under this rider will automatically be voided, and the Accelerated Benefit Amount will not be payable, if the Insured Person dies after the above requirements are met and before We pay the Accelerated Benefit Amount. For purposes of this provision, such payment shall be deemed to have occurred if We have placed a check containing Benefits in the U.S. mail, placed a check containing Benefits in the hands of a recognized overnight delivery service for delivery or established a retained asset account at the Owner’s direction.

Important Consumer Disclosures Regarding Accelerated Benefit Riders Disclosures Applicable to Accelerated Benefit Rider, Critical Illness Accelerated Benefit Rider, Chronic Illness Accelerated Benefit Rider, Chronic Illness Accelerated Death Benefit Rider (California), and Terminal Illness Accelerated Benefit Rider (1) When filing a claim for Critical Illness under the Critical Illness Accelerated Benefit Rider, Terminal Illness under a Terminal Illness Accelerated Benefit Rider, Chronic Illness under the Chronic Illness Accelerated Benefit Rider, or Chronic Illness under the Chronic Illness Accelerated Death Benefit Rider (California), the claimant, except as otherwise provided in the applicable rider, must provide to the Company a completed claim form which must be received at its Administrative Center within the time frame specified in the rider, if any. (2) Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Critical Illness or Chronic Illness, the accelerated benefit may be zero. (3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forth for each in a Policy, if any, may preclude payment of a benefit. (4) Benefits payable under an accelerated benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. (5) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness.

The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance.

(6) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $1,500,000. (7) See your policy for details.

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Disclosures Applicable to the Critical Illness Accelerated Benefit Rider, the Chronic Illness Accelerated Benefit Rider, and the Terminal Illness Accelerated Benefit Rider Only (1) If a benefit under the Critical Illness Accelerated Benefit Rider, Chronic Illness Accelerated Benefit Rider, or Terminal Illness Accelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Owner must complete an election form and return it to the Company within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect an Accelerated Benefit under a Policy as to the same Critical Illness or Chronic Illness under such riders. Disclosures Applicable to the Accelerated Benefit Rider Only (1) If a benefit under the Accelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under the Policy as to such Qualifying Event. To make such an election, the Owner must complete an election form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. Disclosures Applicable to the Chronic Illness Accelerated Death Benefit Rider (California) Only (1) For a claimant to be able to elect an Accelerated Benefit under the Chronic Illness Accelerated Death Benefit Rider (California), such claimant must have been certified as Chronically Ill within the past twelve (12) months by a Licensed Health Care Practitioner. Where an Accelerated Benefit under such a rider is paid periodically, such written certification must be renewed by a Licensed Health Care Practitioner every 12 months.

53

54 Form 1500 or a printed bill from the provider.

Completed 182

Completed 182

182 (REQUIRED) (POLICY NUMBERS REQUIRED). MAIL ALL DOCUMENTS TO: DISABILITY INSURANCE SPECIALIST, LLC, CLAIMS SERVICE CENTER. P.O. BOX 29, BLOOMFIELD, CT 06002, PHONE 800-959-9379 EXT. 3040. FAX 860-761-1830 182 (REQUIRED) (POLICY NUMBERS REQUIRED)

CANCER/ACCIDENT

AG DISABILITY CARE

DISABILITY INCOME

CANCER

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

UB04, Form 1500, any printed bill from provider.

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS. Completed 185 and AGLC2118D

UB04, Form 1500, any printed bill from provider.

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

AG EMERGENCY CARE

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

UB04, Form 1500, any printed bill from provider.

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

ACCIDENT

CRITICAL ILLNESS POLICY

ACCEPTABLE DOCUMENTS

TYPE CLAIM FORM

POLICY TYPE

Diagnosis, dates of total disability.

FORM 182 FULLY COMPLETED AND HIPAA AGLC100607

Pathology Report

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and the charges.

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and the charges.

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and the charges.

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and the charges.

INFORMATION REQUIRED TO PROCESS

182 must be completed in full by the insured and the attending physician.

182 must be completed in full by the insured and the attending physician.

Must have specific details regarding type of cancer and the surgical procedure done.

Medical records are required. Include HIPAA AGLC2118D with claim to expedite handling.

Pathology report is needed for the first diagnosis of cancer. Itemized bills should show cancer diagnosis. CONTINUING CLAIMS SHOULD SHOW DIAGNOSIS OF CANCER.

Must have the injured person’s signed statement of the date and details of the accident.

Must have the injured person’s signed statement of the date and details of the accident.

OTHER REQUIREMENTS / MISC

HEALTH CLAIMS FORMS AND REQUIREMENTS GUIDE GENERAL HEALTH CLAIMS PRACTICES TO REMEMBER Anyone inquiring whether a claim benefit is payable should be given the opportunity to submit a claim on the appropriate form. * No claim may be declined in the Local American General Office by any Local American General Office personnel. * Information should be received politely and without comment as to its validity even if the claim was previously denied or the policy lapsed. * No comment or suggestion should be made to a claimant that a claim will or will not be paid. That communication must come from Health Claims. * Use the following forms/guidelines to help avoid delays in claim processing.

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ACCEPTABLE DOCUMENTS Completed 182

UB04, Form 1500, any printed bill from provider

UB04 is required

Form 1500, or a printed bill from the Surgeon

Form 1500, or a printed bill from the Anesthesiologist

UB04, Form 1500 or other printed bill from provider

UB04, Form 1500 or other printed bill from provider

Medicare Explanation of Benefits (EOB).

UB04, and or Form 1500, any printed bill from provider

183

TYPE CLAIM FORM 182 (REQUIRED) (POLICY NUMBERS REQUIRED)

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

UB04 SHOWING PROOF OF HOSPITALIZATION

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

MEDICARE EXPLANATION OF BENEFITS (EOB) ONLY, INCLUDING POLICY NUMBER

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

POLICY TYPE

DISABILITY INCOME RIDER

HOSPITAL SURGICAL

TLT

SURGICAL ONLY

ANESTHESIA

HOSPITAL

MAJOR MEDICAL

MEDICARE SUPPLEMENT (CO 22)

PLUS CARE

SPECIFIC LOSS

Type of loss, date of loss, date of onset of illness/date of accident

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and the charges.

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and charges.

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and charges.

Anesthesiologist name, address and telephone number, diagnosis, and service date.

­Surgeon’s name, address and telephone number, diagnosis, date and surgical description or procedure code.

Proof of inpatient and diagnosis (UB04).

Medical Provider’s name, address and telephone number, diagnosis, date and description of the service and the charges.

Diagnosis, dates of total disability.

INFORMATION REQUIRED TO PROCESS

HEALTH CLAIMS FORMS AND REQUIREMENTS GUIDE

183 must be completed in full by the insured and the attending physician. Multiple numbers may be listed on the same form.

Diagnosis is required for all charges, including prescription drugs

Diagnosis is required for all charges, including prescription drugs

Anesthesia benefits are determined by the surgery benefit amount paid and should be submitted with the surgery claim if possible to expedite handling.

Must have the CPT surgical code

Not Assignable

182 must be completed in full by the insured and the attending physician.

OTHER REQUIREMENTS / MISC

56

182 and HIPAA AGLC100607

7

Form 1500 or other proof that shows the screening type or code and the charge for the test. Form 1500 or other proof that shows the screening type or code.

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

SYSTEM GENERATED

181 (REQUIRED) POLICY NUMBERS ARE ALWAYS REQUIRED

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

181 (OPTIONAL) POLICY NUMBERS ARE REQUIRED ON ALL DOCUMENTS.

WAIVER OF PREMIUM

RENEWAL / WP

WEEKLY DISABILITY

SCREENING TESTExpense Policies

SCREENING TESTIndemnity Policies

Medical Provider’s name, address, telephone number, date and description of the service.

Medical Provider’s name, address, telephone number, diagnosis, date, description of the service and charges.

Diagnosis, dates of total disability

Renewal form must be completed in full by the insured and the attending physician / Social Security information is not accepted.

Date disability began, last day worked, diagnosis.

INFORMATION REQUIRED TO PROCESS

SCREENING TYPE/CODE, AND DATE OF TEST ARE NECESSARY.

SCREENING TYPE/CODE, DATE AND CHARGES ARE NECESSARY.

7 must be completed and signed by the attending physician

A form is sent out for each number on waiver. Only one form needs to be completed so multiple numbers to be considered for renewal should be included on the completed Renewal Form.

182 must be completed in full by the insured and the attending physician. Multiple numbers may be listed on the same form.

OTHER REQUIREMENTS / MISC

Revised 6/15

HIPAA AGLC2118D FOR HEALTH CLAIMS IF RECEIVED WITH THE CLAIM CAN EXPEDITE HANDLING IF ADDITIONAL INFORMATION IS NEEDED. HIPAA AGLC100607 FOR DISABILITY IF RECEIVED WITH CLAIM CAN EXPEDITE HANDLING IF ADDITIONAL INFORMATION IS NEEDED. SCREENING TEST CLAIMS CLAIMS CAN BE EXPEDITED IF THE TEST CODE AND THE CHARGES FOR THE TEST ITSELF ARE INCLUDED. DOCUMENTS WITHOUT POLICY NUMBERS WILL BE RETURNED TO THE CLAIMANT AS UNIDENTIFIABLE. CLAIM FORMS AND HIPAA FORMS ARE AVAILABLE ON THE WEB AT WWW.AIG.COM/LIFEINSURANCE. LOOK UNDER ‘HOW TO FILE A CLAIM’ MAILING ADDRESS: AMERICAN GENERAL LIFE INSURANCE COMPANY P O BOX 1500 NASHVILLE TN 37202-1500 CLAIMS MAY BE FAXED TO 615-749-2932 (BE SURE TO INCLUDE POLICY NUMBER ON ALL FORMS.) CLAIM AND POLICY INFORMATION ABOUT A HEALTH CLAIM MAY BE OBTAINED BY CALLING TOLL FREE 800-888-1038.

182 and HIPAA AGLC100607

ACCEPTABLE DOCUMENTS

TYPE CLAIM FORM

POLICY TYPE

HEALTH CLAIMS FORMS AND REQUIREMENTS GUIDE

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Underwriting Guidelines - Life Insurance

American General Life Insurance Company Underwriting and Claims Guide January 2016 This guide is the property of American General Life Insurance Compa...

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