Life Insurance Field Underwriting

Underwriting Guide

It is the responsibility of the Underwriting Department to properly evaluate all

applicants for insurance coverage. This requires sound, underwriting practices consistent with Foresters FinancialTM philosophy for the selection of risks. In order to provide the best possible service, Foresters Underwriting Team must also rely on the producer to develop complete and accurate information at point of sale.

This manual is a guide intended to help the producer understand the probable underwriting action for commonly encountered medical histories. Naturally, the final action on an application is the decision of the Underwriter, based upon the varying circumstances that each particular case may present. It is important to recognize that the underwriting guide is meant as a basis for decision-making, and that other factors, including Foresters Underwriter’s judgment, may affect the final decision.

This document was prepared for the exclusive use of appointed producers. It is not intended for public distribution, nor is it to be used in any solicitation or marketing of Foresters products.

For producer use only.

This document is intended for producer use only and should not be disclosed to the public. The information contained in this guide is general in nature and is subject to the appropriate certificate and rider wording.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

503325 US (07/21)

Foresters Advantage Plus II,

Strong Foundation,

Your Term & SMART UL

Producer Use Only – Page 1 of 23 503325 US (07/21) INDEX

Introduction 2 Product Information 2 Field Underwriting 2 Financial Underwriting Guidelines 3 Residence/Citizenship 4 Foreign Travel 4 Military 4 Occupation 4 Avocations 5 Beneficiary Designation 5 Temporary Insurance Agreement (TIA) 5 Preferred Submissions Instructions 5 Non-medical Underwriting 6 Insurance Classes – Your Term, Advantage Plus II and SMART UL 7 Preferred Criteria - Advantage Plus II and SMART UL Medical 7 Preferred Criteria – Your Term 8 Build 9 Adult Build Charts (16+) Fully Underwritten 9 Adult Build Chart (16+) Non Medical 10 Juvenile Build Chart 11 Age & Amount Requirements 12 Age & Amount Requirements Charts 13 Approved Vendors 14 Accelerated Underwriting 15 Modified Coverage 15 File Incomplete or Postponed 15 Impairments 15 Reconsideration of Underwriting Action 15 Submitting Information 16 Underwriting Impairment Guide 17 Other Impairments 17 Medical Impairments 17 Medications 21 Certificate Change Information 22 Examples 23 Producer Use Only – Page 2 of 23 503325 US (07/21) INTRODUCTION

You are an important part of the underwriting process and as participant in the sale, processing, underwriting and issue of our life insurance certificates we want you to be familiar with our underwriting philosophy and practices. Attention to these guidelines will help to speed up certificate issue and to explain underwriting decisions when the policy is placed.

The most important step in the underwriting process is accurate detailed answers to all questions on the application. It is important that the application show detailed health history for all proposed insureds to assure that it may be underwritten in an accurate and timely manner. Failure to properly record complete and accurate information could result in either unnecessary delays or serious problems at time of claim. PRODUCT INFORMATION

Individual life insurance coverage is provided by Foresters Financial™, a trade name and trademark of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Ontario Canada, M3C 1T9) and its subsidiaries.

Underwriting guidelines, procedures and forms may vary by type of life insurance and state. Be sure to consult all materials relative to your specific product and state. By following the procedures outlined in this manual and the marketing guidelines you will maximize your percentage of issued life insurance applications. FIELD UNDERWRITING

As an appointed producer you are authorized to solicit, write applications and otherwise transact the business of insurance in any state where you are both properly licensed by the state and authorized by Foresters to conduct business.

As an appointed producer you may not solicit applications in any manner prohibited by or inconsistent with the provisions of Foresters rules, regulations, or policies. If you have any questions regarding any type of solicitation transaction please contact your agency or refer to Foresters “ezbiz” Solicitation Rules in the Contracting Section.

The following practices are not acceptable:

1. Applications altered or corrected with regard to the signature of the proposed insured, the date signed, the city and state of the applicant, the producer’s signature, or any changes to information deemed to be material to the issuance of the certificate, unless initialed by all parties to the contract (Agent, Owner and Proposed Insured).

2. Paper applications with a stamped signature rather than handwritten ink signatures. Good Field Underwriting is critical to the success Insurance Operations, and consists of more than just careful questioning of the proposed insured.

The following suggestions should help you and your clients in obtaining coverage as quickly as possible and on the most equitable basis:

1. Furnish complete information on past medical history to include date of first diagnosis, type of treatment, dates and physician information.

2. If medical history is involved, identify the disease or condition for which treatment was obtained. 3. Complete all underwriting questionnaires as appropriate. Do not underestimate the proposed insured’s knowledge of the diagnosed condition or the reason for the operation or treatment.

1. The writing producer is never authorized to disregard a proposed insured’s answers, or to impose his or her judgment as to what is or is not important to record. The writing producer is never authorized to approve or alter an application for the proposed insured. 2. Only the Underwriting Team can make the final decision; therefore, never suggest or promise that coverage will be issued.

Producer Use Only – Page 3 of 23 503325 US (07/21) FINANCIAL UNDERWRITING GUIDELINES

Income replacement and estate protection are two important factors in determining the total amount of insurance (applied for and in-force) the applicant is eligible for. Income Replacement

An income factor may be used to determine the total amount of insurance an applicant is eligible for. AGE MULTIPLIER OF EARNED INCOME

18 - 30 30

31 - 40 25

41 - 50 20

51 - 60 15

61 - 65 10

66 and up 5

Earned income includes income from salary, commissions and bonuses. It doesn’t include investment, pending, interest, retirement or rental income.

Estate Protection

This is generally meant to preserve the proposed insured’s net worth by covering any federal, and if applicable, state estate or inheritance taxes. This is determined on a case by case basis. Factors used to determine the amount of coverage include:

• the value of the estate and the anticipated future value of the estate

• the state of residence and the anticipated estate taxes taking into consideration the federal exemption and current federal and, if applicable, state law. Non-income Earning Spouse

We evaluate the insurance needs for a non-income earning spouse on an individual basis. Some factors we consider are:

• the amount of household income

• the amount of coverage on the income earning spouse. The non-income earner should not have more coverage than the working spouse unless the working spouse is uninsurable

• The number of dependents

Juvenile Underwriting

Most children and students do not need a significant amount of insurance since they do not have estates, pay taxes or have income to replace. When submitting applications on children or students, the following information will be required:

• Provide the amount of insurance each sibling, if any, has.

• An explanation will be required if the amount of insurance varies between siblings

• Amount of insurance in-force on the parents. Generally, a parent must have double the amount of insurance inforce than applied for on the child

In addition, when submitting applications for students or recent graduates, provide the following information:

• Area of study and expected graduation date

• Anticipated future earnings

• Family net worth

Some of the cases may not fit into the parameters above but we are willing to work with you to understand the special circumstances of each case. For complicated financial cases or when you cannot use the information above to justify the amount of insurance applied for or in-force, a Financial Needs Analysis along with a cover letter describing the financial need for your client will be beneficial. Producer Use Only – Page 4 of 23 503325 US (07/21) RESIDENCE/CITIZENSHIP

The applicant’s primary residence must be in a state where the product is approved for sale, state of solicitation or residence. Check the product availability maps on our agent website https://portal.foresters.biz/ for availability details. Foresters will consider applicants between the ages of 18 and 70 years old with a valid Green Card and select Visa’s. Please refer to the Immigration Guidelines document on the agent website for full details. FOREIGN TRAVEL

Travel in the course of business or pleasure will be considered up to and including 12 weeks. Underwriting foreign travel/residency will vary depending on international risks and how changes in political, security and health “environments” could impact the risk in that area. It is advisable to call Underwriting for a more accurate risk assessment as travel advisories are always changing. Coverage is not available for applicants planning to reside in a foreign country indefinitely. MILITARY

Foresters welcomes applications from active duty military personnel (as long as the solicitation, application completion or sale did not occur on a military installation) and each case will be underwritten based on individual consideration and state laws. State regulations require the use of point of sale disclosure documents when selling to active duty military personnel. Insurance will not be offered to individuals who have been deployed or have received notice of deployment. It is also important to note that Foresters is currently not registered to sell on military installations. Individuals on “Active Duty” or full-time duty in the active military service of the United States, including members of the National Guard and Reserves, while serving under published orders for a period for 31 days or more are not eligible for riders that have a War Exclusion Clause, including ADR, and Waiver of Premium Benefit. Please complete a Military Questionnaire or provide the following details on the application:

• Branch of service

• Present duty status

• Current rank

• Length of present assignment

• Military occupational specialty

• Indicate whether supplemental or hazardous duty pay based on duties is being collected

• Indicate whether the insured will be transferred overseas, if so, where?

• Indicate whether the insured will be transferred to a new unit

• Indicate whether the insured or their unit will be alerted for duty (if presently in Reserve of National Guard)

OCCUPATION

The occupation of a proposed insured is a major factor in their eligibility and many of those occupations may eliminate an applicant from qualifying for the basic product and possibly riders. Applicants with occupations that are exceptionally hazardous will be declined or rated, for example:

Any occupation that involves working above certain heights

Any occupation that involves handling explosives

Any occupation that involves handling hazardous materials Producer Use Only – Page 5 of 23 503325 US (07/21) AVOCATIONS

Examples of recreational activities that may eliminate a proposed insured from Non-Medical Issue include:

Scuba diving. The decision depends primarily on the level of certification and depths. Please have applicant complete Scuba and Skin Diving Questionnaire.

Motorized racing (automobiles, motorcycles, boats). The decision depends on the level of competition, size and power of engine, etc.

Hang-gliding, skydiving. Please have applicant complete Aerial Sports Questionnaire.

Mountain/Rock Climbing. Please have applicant complete Climbing and Mountaineering Questionnaire. BENEFICIARY DESIGNATION

The beneficiaries must meet the insurable interest requirements under state insurance law. Please refer to Foresters “ezbiz” Beneficiary 101.

TEMPORARY INSURANCE AGREEMENT (TIA)

The TIA is a temporary insurance agreement that allows the proposed insured to have coverage during the underwriting process. It is available to the applicants who, on the date the application is being signed, are more than 15 days old but have not had their 71st birthday and for face amounts applied for up to a maximum of $1,000,000. The proposed insured must truthfully answer “No” to the 3 questions asked in the TIA agreement and provide their first month premium for the TIA to take effect. The maximum payout is the lesser of the face amount applied for or $500,000 PREFERRED SUBMISSIONS INSTRUCTIONS

Preferred rates are only available on fully underwritten plans (see Product Guide for face amount minimums).

Current testing and underwriting can only determine preferred status. Applicants cannot be expected to know if they qualify. All submissions will automatically be considered for preferred underwriting and issue based on the best insurance class available according to the preferred criteria (page 7).

AVOID DELAYS AND DISSATISFACTION: Even if the proposed insured appears to qualify for preferred rates, they may not. Foresters underwriting strongly advises that the producer collect the standard non-tobacco or tobacco premium with the application or prepare the client for the possibility of a non- preferred decision.

When ordering medical requirements, please ensure you select the correct company and location to ensure the completed information is received in a timely manner. Producer Use Only – Page 6 of 23 503325 US (07/21) NON-MEDICAL UNDERWRITING

Non-Medical underwriting requires answers to the Lifestyle Questions, Part1: Medical Questions and Other Insurance questions on the application. A Pharmacy and an MIB check will be run on every proposed insured. If the proposed insured does not qualify for Non-Medical rates, the application will be declined. In some situations, a new application will be required for a fully underwritten product. Non-Medical limits are based on the proposed insured’s current age and total non-medically underwritten insurance in force with Foresters and are as follows:

STRONG FOUNDATION NON-MEDICAL LIMITS

Age

Face Amount

Standard Substandard

18 - 55 $400,000 $300,000

56 - 80 $150,000 $150,000

SMART UL AND ADVANTAGE PLUS II NON-MEDICAL LIMITS

Age Face Amount

0 to 15 $150,000

16 to 55 $400,000

56 to 75 $150,000

For Advantage Plus II, if either the 10-Year or 20-Year Term Rider is added at issue, the maximum rider benefit amount is:

For issue ages 18-55: $400,000 minus the total face amount of the base certificate, plus the amount of paid-up additional insurance purchased under a Single Payment Paid-up Additions Rider (if applicable), plus any other non-medical coverage currently inforce with Foresters. For issue ages 56-75: $150,000 minus the total face amount of the base certificate, plus the amount of paid-up additional insurance purchased under a Single Payment Paid-Up Additions Rider (if applicable), plus any other non-medical coverage currently inforce with Foresters. Non Tobacco Definition:

Strong Foundation: Applicants who have not smoked cigarettes within the past 12 months. Allows use of cigar, pipe, chewing tobacco, nicotine patches and other substitutes. Your Term, SMART UL & Advantage Plus II: Applicants who have not used any product containing nicotine within the past 12 months.

Producer Use Only – Page 7 of 23 503325 US (07/21) INSURANCE CLASSES –YOUR TERM, ADVANTAGE PLUS II AND SMART UL FULLY UNDERWRITTEN

Standard Tobacco Applicants who have used any product containing nicotine within the past year.

Tobacco Plus Applicants who have used any product containing nicotine within the past year and who meet all the Preferred Plus criteria listed below. Standard Non-Tobacco Applicants who have not used any product containing nicotine within the past 12 months.

Standard Plus Non-Tobacco Applicants who have not used any product containing nicotine within the past 12 months and who meet all the Standard Plus criteria listed below. Preferred Non-Tobacco Applicants who have not used any product containing nicotine within the past 3 years and who meet all the Preferred criteria listed below. Preferred Plus Non-Tobacco Applicants who have not used any product containing nicotine within the past 5 years and who meet all the Preferred Plus Criteria listed below. Substandard Applicants who would require an extra premium or exclusion(s) for certain health conditions that are otherwise not insurable. PREFERRED CRITERIA – ADVANTAGE PLUS II AND SMART UL Preferred Plus Non-

Tobacco

Preferred Non-

Tobacco

Standard Plus Non-

Tobacco

Tobacco Plus

Tobacco Use* No nicotine use for 5

yrs.

No nicotine use for

3 yrs.

No nicotine use for 1

yrs.

1 pack per day

Cholesterol Level

<220

(No previous history

of

treatment or

medication)

<230

(No previous

history of

treatment or

medication)

<260

(No previous history

of

treatment or

medication)

<220

(No previous history

of

treatment or

medication)

Cholesterol/HDL Ratio

<4.5

(No previous history

of treatment or

medication)

<5.0

(No previous

history of

treatment or

medication)

<6.5

(No previous history

of treatment or

medication)

<4.5

(No previous history

of

treatment or

medication)

Blood Pressure

<135/80

(No previous history

of treatment or

medication)

<140/90

(No previous

history of

treatment or

medication)

<140/90

(No previous history

of treatment or

medication)

<135/80

(No previous history

of treatment or

medication)

Height Weight See Build Charts See Build Charts See Build Charts See Build Charts Family History:

NO Death of a parent

<AGE 65 due to CAD,

CVD or Cancer

<AGE 65 due to

CAD,

CVD or Cancer

<AGE 60 due to CAD,

CVD or Cancer

<AGE 65 due to CAD,

CVD or Cancer

Medical History

No history of Cancer

or significant

health impairment

No history of

Cancer

or significant

health impairment

No history of Cancer

or significant

health impairment

No history of Cancer

or significant

health impairment

Alcohol & Drug Abuse No history No history No history No history DUI/DWI/Reckless Driving

Moving Violations

0 for 5 yrs.

<3 within 5 yrs.

0 for 5 yrs.

<3 within 3rs.

0 for 5 yrs.

<3 within 3yrs.

0 for 5 yrs.

<3 within 5 yrs.

Avocation No hazardous sport No hazardous sport No hazardous sport No hazardous sport Aviation

(Commercial pilots

excepted)

No flying as a pilot or

crew member of a

private aircraft

No flying as a pilot

or crew member of

a private aircraft

No flying as a pilot or

crew member of a

private aircraft

No flying as a pilot or

crew member of a

private aircraft

*For Medical products cigar use qualifies as a non-tobacco for standard, standard plus and preferred rates provided the use is admitted upfront, urinalysis is negative for nicotine and use is limited to 1 cigar per month up to a maximum of 12 cigars per year. Cigar use is not available for preferred plus rates. Producer Use Only – Page 8 of 23 503325 US (07/21) PREFERRED CRITERIA – YOUR TERM

Preferred Plus Non-

Tobacco

Preferred Non-

Tobacco

Standard Plus Non-

Tobacco

Tobacco Plus

Tobacco Use* No nicotine use for 5

yrs.

No nicotine use for 3

yrs.

No nicotine use for 1

yrs.

1 pack per day

Cholesterol Level <220

(No previous history

of

treatment or

medication)

<230

(No previous history

of

treatment or

medication)

<260

(No previous history

of

treatment or

medication)

<220

(No previous history

of

treatment or

medication)

Cholesterol/HDL Ratio <4.5

(No previous history

of

treatment or

medication)

<5.0

(No previous history

of

treatment or

medication)

<6.5

(No previous history

of

treatment or

medication)

<4.5

(No previous history

of

treatment or

medication)

Blood Pressure <135/80

(No previous history

of treatment or

medication)

<140/90

(No previous history

of

treatment or

medication)

<140/90

(No previous history

of

treatment or

medication)

<135/80

(No previous history

of treatment or

medication)

Height Weight See Build Charts See Build Charts See Build Charts See Build Charts Family History: No Death or

diagnosis of a parent

or sibling <AGE 65

due to CAD,

CVD or Cancer

No death of a parent

<AGE 65 due to CAD,

CVD or Cancer

No death of a parent

<AGE 60 due to CAD,

CVD or Cancer

No Death or

diagnosis of a parent

or sibling <AGE 65

due to CAD,

CVD or Cancer

Medical History No history of Cancer

or significant

health impairment

No history of Cancer

or significant

health impairment

No history of Cancer

or significant

health impairment

No history of Cancer

or significant

health impairment

Alcohol & Drug Abuse No history No history No history No history DUI/DWI/

Reckless Driving

Moving Violations

0 for 5 yrs.

<2 within 5 yrs.

0 for 5 yrs.

<3 within 3rs.

0 for 5 yrs.

<3 within 3yrs.

0 for 5 yrs.

<2 within 5 yrs.

Avocation No hazardous sport No hazardous sport No hazardous sport No hazardous sport Aviation

(Commercial pilots

excepted)

No flying as a pilot or

crew member of a

private aircraft

No flying as a pilot or

crew member of a

private aircraft

No flying as a pilot or

crew member of a

private aircraft

No flying as a pilot or

crew member of a

private aircraft

*For Fully Underwritten products cigar use qualifies for non-smoker standard, standard plus and preferred rates provided the use is admitted upfront, urinalysis is negative for nicotine and use is limited to 1 cigar per month up to a maximum of 12 cigars per year. Cigar use is not available for preferred plus rates. Producer Use Only – Page 9 of 23 503325 US (07/21) BUILD

OVERWEIGHT

Of significant importance in evaluating one’s insurability is the relationship of an individual’s height and weight. An overweight individual has an increased incidence of cardiovascular disease and renal disease. In addition, there is added stress to the weight bearing joints and bones. Obesity may also be associated with other disorders such as diabetes and other endocrine disorders.

UNDERWEIGHT

Underweight generally is of less significance than overweight concerning long-term disabilities and illnesses, however, abnormally thin individuals may have difficulty gaining weight because of nutritional deficiencies, or a chronic underlying disease. Frequently, thin individuals have a low resistance to acute illnesses. WEIGHT REDUCTION

When weight reduction has been accomplished, and the weight has been stable for one year, full credit will be given for weight loss. If there has been weight loss and the weight has not been stable for a period of 12 months, half credit will be given for the weight lost. Example: Female 5’7”, 231lbs; lost 36 lbs within 2 months. If current weight is 195 lbs, allow credit by adding 18 lbs, for a total of 213 lbs, before referencing the appropriate build table. ADULT Build Charts (16+) – Fully underwritten

Preferred Plus/

Preferred Smoker

Fully Underwritten

Preferred

Fully Underwritten

Standard Plus

Fully Underwritten

Standard

Fully Underwritten

Height

(Ft)

Maximum

Weight

( lbs)

Height

(Ft)

Maximum

Weight

( lbs)

Height

(Ft)

Maximum

Weight

( lbs)

Height

(Ft)

Maximum

Weight

( lbs)

4’8 118 4’8 125 4’8 143 4’8 162

4’9 122 4’9 130 4’9 150 4’9 168

4’10 126 4’10 135 4’10 155 4’10 174

4’11 130 4’11 137 4’11 160 4’11 180

5’0 144 5’0 152 5’0 167 5’0 186

5’1 149 5’1 158 5’1 175 5’1 193

5’2 152 5’2 162 5’2 180 5’2 199

5’3 157 5’3 166 5’3 185 5’3 206

5’4 161 5’4 172 5’4 190 5’4 211

5’5 166 5’5 178 5’5 195 5’5 219

5’6 170 5’6 182 5’6 200 5’6 226

5’7 176 5’7 190 5’7 205 5’7 233

5’8 180 5’8 195 5’8 210 5’8 240

5’9 184 5’9 200 5’9 215 5’9 247

5’10 190 5’10 205 5’10 222 5’10 254

5’11 196 5’11 210 5’11 227 5’11 261

6’0 202 6’0 220 6’0 234 6’0 269

6’1 206 6’1 225 6’1 242 6’1 276

6’2 211 6’2 230 6’2 247 6’2 284

6’3 216 6’3 240 6’3 252 6’3 292

6’4 221 6’4 244 6’4 258 6’4 299

6’5 227 6’5 251 6’5 264 6’5 307

6’6 244 6’6 260 6’6 270 6’6 315

6’7 249 6’7 265 6’7 276 6’7 323

6’8 254 6’8 270 6’8 281 6’8 332

6’9 259 6’9 273 6’9 285 6’9 340

Producer Use Only – Page 10 of 23 503325 US (07/21) ADULT Build Charts (16+) – Non Medical

These are the minimum and maximum builds that will be considered for non-medical underwriting. The maximum weights assume the applicant has no other ratable impairments. Only use this chart if the proposed insured has no medical impairments other than height and weight.

Minimum Weight (lbs) Height (ft) Maximum Weight (lbs) 82 4’8 185

85 4’9 193

88 4’10 198

91 4’11 207

94 5’0 212

97 5’1 221

101 5’2 225

104 5’3 234

107 5’4 243

111 5’5 250

114 5’6 259

118 5’7 265

121 5’8 274

125 5’9 281

128 5’10 292

132 5’11 298

136 6’0 307

140 6’1 314

144 6’2 325

147 6’3 336

151 6’4 342

155 6’5 353

160 6’6 360

**For further clarification please call the Risk Assessment Line at 1-877-***-**** between the hours of 9AM – 6PM ET, Monday to Friday.

Producer Use Only – Page 11 of 23 503325 US (07/21) JUVENILE BUILD CHART (Age 0-15)

Juvenile Build Chart

Nearest Age (Years) Length Range (Inches)* Weight Range (Pounds)* 0 18-30 4-33

1 24-37 11-46

2 29-40 16-52

*Final underwriting decision will be based on actual height and weight Nearest Age (Years) *BMI Range

3 13.5-26.1

4 13.2-25.3

5 13.0-25.6

6 12.9-26.4

7 12.9-27.6

8 12.9-29.0

9 12.9-30.5

10 13.1-32.2

11 13.4-31.4

12 13.7-32.8

13 14.1-34.2

14 14.6-35.4

15 15.1-36.6

*BMI – Body Mass Index calculation: (weight in pounds /(height x height in inches) x703 Producer Use Only – Page 12 of 23 503325 US (07/21) AGE & AMOUNT REQUIREMENTS

(Your Term, Advantage Plus II & Smart UL Medically Underwritten) To help your underwriter with the evaluation process you are responsible for ordering requirements from a third party provider (See Approved Vendors). A representative from the selected third party provider will call your client to schedule an appointment to complete the necessary requirements (outlined in the appropriate age and amount requirement charts).

The risk appraisal is based on information obtained from the following sources:

Application

Attending Physician’s Statements (APS), (if required)

Blood Profile

Department of Motor Vehicle (MVR), (if required)

ECG or Stress Test

Inspection Report

Medical Examination

MIB Inc.

Paramedical Examination

Pharmaceutical Records

Special Questionnaires

Urinalysis (included with Blood Profile unless otherwise stated)

Vitals

Additional risk assessment factors may also be used in our evaluation. AGE & AMOUNT REQUIREMENTS CHARTS

(Your Term, Advantage Plus II & Smart UL Medically Underwritten) It is important to note the following:

At ages 75 and up, a completed Activities of Daily Living Questionnaire (ADLQ) is required with the application form submission.

For additional insurance (within 12 months) age and amount requirements will be based on the total insurance inforce and applied for with all companies.

Additional requirements may be requested by the underwriter to obtain details of declared histories Producer Use Only – Page 13 of 23 503325 US (07/21) AGE & AMOUNT REQUIREMENTS CHARTS

YOUR TERM

* Inspection Reports will be ordered by Foresters. SMART UL

Age 25,000-

49,999

50,000-

99,999

100,000-

150,000

150,001-

250,000

250,001-

499,999

500,000-

999,999

1,000,000-

1,999,999

2,000,000-

2,999,999 3,000,000+

0-4 NM NMU NMU NMU NMU APS/CL APS/CL APS/CL/I* APS/CL/I* 5-15 NM NMU NMU NMU NMU APS/CL APS/CL APS/CL/I* APS/CL/I* 16-40 NM NM V/B V/B V/B P/B P/B P/B/E/I* P/B/E/I*

41-45 NM NM P/B P/B P/B P/B P/B P/B/E/I* P/B/E/I*

46-50 NM NM P/B P/B P/B P/B P/B P/B/E/I* P/B/E/I*

51-55 NM NM P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 56-60 NM NM P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 61-65 NM NM P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 66-70 NM NM P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 71-75 NM P/B P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 76-85 P/B P/B P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I*

*Inspection Reports will be ordered by Foresters.

ADVANTAGE PLUS II

For Advantage Plus II, in order to determine age and amount requirements, add the following together; basic Advantage Plus II face amount, plus any term rider, plus the amount of PUAR using the chart below. If GIR is also applied for add on amount equal to the lesser of the original face amount or

$50,000. For examples, refer to the last page of this guide. Age

25,000-

49,999

50,000-

99,999

100,000-

150,000

150,001-

250,000

250,001-

499,999

500,000-

999,999

1,000,000-

1,999,999

2,000,000-

2,999,999 3,000,000+

0-4 NM NMU NMU NMU NMU APS/CL APS/CL APS/CL/I* APS/CL/I* 5-15 NM NMU NMU NMU NMU APS/CL APS/CL APS/CL/I* APS/CL/I* 16-40 NM NMU V/B V/B V/B P/B P/B P/B/E/I* P/B/E/I* 41-45 NM NMU P/B P/B P/B P/B P/B P/B/E/I* P/B/E/I* 46-50 NM NMU P/B P/B P/B P/B P/B P/B/E/I* P/B/E/I* 51-55 NM NMU P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 56-60 NM NMU P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 61-65 NM NMU P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 66-70 NM NMU P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 71-75 NM P/B P/B P/B P/B P/B P/B/E P/B/E/I* P/B/E/I* 76-85 P

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