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Phoenix Safe HarborTerm Life ExpressSM Quick Reference Guide For agent use only. Not for distribution to the public as sales literature.
Table of Contents Accelerated Benefit Rider Frequently Asked Questions . . . . . . . . . . . . . . 4 Application & Underwriting Options . . . . . . . . . . . 5 Requirements For Application & Payment . . . . . . . . 9 Application Submission & Policy Issue . . . . . . . . . 10 A term life insurance policy with living benefits designed to protect the future of loved ones and plan for the unexpected. • Death benefit equal to policy face amount; • Standard Non-Tobacco paid to policy beneficiary(ies) in a lump • Level term periods and issue ages available: Face Amounts
- 10 year: Ages 18-80 • Minimum and maximum face amounts by - 15 year: Ages 18-70 - 20 year: Ages 18-65 - 18-50 $25k - $400k - 30 year: Ages 18-55 (non-tobacco) - 51-60 $25k - $300k Ages 18-50 (tobacco) - 61-70 $25k - $200k • Simplified issue (standard through table 4) - 71-80 $25k - $100k • No APS or paramedical exam required • Four included riders provide living benefits in case of chronic illness, critical illness, terminal illness or unemployment • One optional rider for Accidental Death available for an additional premium Product features, rider options and availability may vary by state.
Payment guarantees are based on the claims-paying ability of the issuing company.
Accelerated Benefit Rider Frequently Asked Questions 1. What is an Accelerated Death Benefit Rider for critical, chronic or terminal illness?
These riders give the client the option to accelerate, or take a portion of the death benefit early,
in the event of a covered illness or condition . Clients may accelerate any amount up to 95% of
the death benefit .
2. What conditions qualify under the Accelerated Death Benefit Riders?
Critical Illness: heart attack, stroke, cancer, kidney failure, major organ transplant, ALS
Chronic Illness: unable to perform without substantial assistance at least 2 of the 6 activities
of daily living (bathing, continence, dressing, eating, toileting, transferring) or a severe cognitive impairment . • Terminal Illness: terminally ill with a life expectancy of 12 months or less
Note: Diagnosis must be certified in writing by a licensed physician 3. What is the benefit amount a client will receive?
The actual benefit amount will be less than the amount accelerated, to reflect that a portion of
the death benefit is being paid early . There is not a predetermined benefit amount . The benefit
paid will be determined based on the health condition of the insured and their life expectancy
at the time of claim . Generally, the more severe the condition, the shorter the life expectancy,
and therefore the greater the potential benefit . An administrative charge of $200 and an
adjustment for future unpaid policy premiums will also apply .
4. Can a client decline the benefit offered?
Yes . When making a claim under the rider, the client will be provided with an offer of a specified
benefit amount . The client may decide at that time whether to accelerate their benefit or not .
5. What happens to the death benefit upon rider exercise?
If a client exercises the rider, the death benefit will be reduced by the amount accelerated . For
example, if the client accelerates 90% of the death benefit, they will have 10% of their death
benefit remaining . Important note: the client's future premiums are based on the new lower
death benefit and must continue to be paid to keep remaining death benefit in force .
6. Can a client qualify for both critical and chronic illness benefits?
The client may qualify under the terms of the policy for critical and chronic illness . However, the
policy owner must choose which benefit they wish to file for at the time of claim .
7. Are multiple benefit elections allowed?
Yes, multiple elections are available under the Critical and Chronic Illness riders . If the policy
owner only elects a partial election and later has another qualifying critical or chronic illness,
a subsequent benefit election is allowed . For chronic illness, only one election may be made
per calendar year . For critical illness, 180 days must elapse between benefit elections . The
Terminal Illness rider may only be exercised once, and this will terminate the Chronic and
Critical Illness riders .
8. Is there a waiting period to exercise these riders?
There is no waiting period for any of the benefits – critical, chronic or terminal . However, the
chronic illness benefit does require the policy owner to be impaired for the past 90 days .
9. What can the benefit amount be used for?
The benefit amount is paid to the policy owner and there are no restrictions on how it can be
used - quality of life expenditures, medical procedures, experimental treatments, reimbursing a
loved one for assistance, etc .
10. What else should I know about the riders?
In some situations the benefit may be subject to taxation . Prior to making a claim under
the riders, a client should consult with a qualified tax advisor to discuss the possible tax
consequences . Benefit amounts received may affect eligibility for public assistance programs .
Application & Underwriting Options Process Overview
Application / Materials Submission
– All Application Part One materials and HIPAA
authorization can be submitted by email, fax or regular mail .
Telephone Interview / Application Part Two – Fulfill the underwriting portion of the application .
May be completed using Phoenix's tele-interview service or on paper .
Decision – An approval, decline or referral to underwriting decision will be made at the
conclusion of the tele-interview . Decisions on underwriting referrals are typically made within 2
business days .
All application materials must be received by Phoenix within 10 days of completion of the
telephone interview regardless of the underwriting decision.

Application/Materials Submission –
email, fax, regular mail
Three Easy Ways to Apply
Helpful Tips
1 FAST – ONE AND DONE!
• Complete all applicable Just complete Part One of the application to fields legibly, printing in determine your client's eligibility and capture key information . Then, call us . You'll have a decision in about 20 minutes .
• Any changes or corrections on the How it works:
application must be • Download the required application and forms for the initialed by the owner . state in which the application is signed Errors covered with • Complete and sign the Application Part One, correction fluid will not be required forms and HIPAA authorization and submit • All necessary signatures • Call Phoenix so the Proposed Insured can complete must be on the application the tele-interview while you are together at the time of submission or the application will be 2 CONvENIENT AND CONFIDENTIAl
Your client can complete the tele-interview in the comfort and privacy of home . Just provide your client's phone number and best time to call on the completed application Part One . We'll take it from there! How it works:
• Complete and sign the Application Part One, required forms and HIPAA authorization and
submit them to Phoenix . • Phoenix will call the client and complete the Application Part Two over the phone • The agent will be notified of the decision typically within a couple of days of the interview 3 TRADITIONAl – JUST PAPER
For clients who are most comfortable with good old-fashioned paper, complete the full application and required forms and submit! It's as simple as that .
How it works:
• Complete and sign the Application Part One, Application Part Two, required forms and
HIPAA authorization and submit them to Phoenix • Phoenix will review the application and communicate the underwriting decision to you • In certain cases, Phoenix may call the client to clarify an answer on the application The tele-interview will take about 20 minutes to complete .1 If you choose not to initiate the tele-interview at the time of application, or your application is being written outside normal business hours, the tele-interview will be conducted when Phoenix receives the application . For this reason, it is essential that you indicate the Proposed Insured's phone number and best time to call on the application .
1 . Be sure to make each Proposed Insured aware that a telephone interview will be completed . Ask your client to be prepared to provide their driver's license number and medical history including: condition, diagnosis date, treatment and physician's name and address as well as the names of all medications taken (both daytime and nighttime) and condition(s) being treated .
2 . Call and identify yourself as a Phoenix agent . The interviewer will need to speak with the Proposed Insured . Hours for Telephone Interviews
Monday – Friday 8:00 a .m . – 8:00 p .m . Eastern Time 3 . Phoenix must receive the signed and dated application and HIPAA authorization within 10
days of completion of the telephone interview regardless of the underwriting decision. If
they are not received within the 10-day time frame, corrective action may be taken .
Good to Know!
Tele-interviews are recorded and saved for future reference . In the event there is a dispute over the manner in which the medical questions were originally answered on the application, the recording can be utilized . Clients will confirm the representations that were made during the tele-interview with a voice signature at the end of the call .
1. Call times will vary based on the Insured's medical and prescription history. Requirements for Application & Payment Depending on state law, an agent may be required to be contracted with Phoenix before taking an application . An original application, along with the initial premium payment and state-required forms including replacement forms, will be accepted . It is the agent's responsibility to mail the premium payment (if being made by check) and application materials immediately following the underwriting process . Policy owners and beneficiaries must have Backdating will be allowed in cases where an insurable interest in the life of the insured . the Insured's age changes between the This means they have a relationship by application signature date and the date of blood, marriage, or would suffer financial policy issue .
loss if the insured dies .
Personal checks from the client or bank draft ALL applications must have the consent and (monthly mode only) will be accepted for signature of the Proposed Insured .
premiums . No agent or agency checks or CODs will be accepted for premium payment . Money orders will not be accepted as initial We will permit replacements as long as the payment on monthly electronic funds replacement is in the best interest of the client and the appropriate state replacement forms are submitted with the application . However, Section 1035 Exchanges are not permitted .
Application Submission & Policy Issue How To Submit An Application
In certain instances, the Policy must be Up to 10 new applications at a time may be mailed to the agent and a signed Policy submitted via fax to
Acceptance form must be signed by the 1-816-527-0053 or via email to
client and returned to Phoenix within 30 For faxes, identify the number of pages • The client declines voice signature during including the cover sheet . A copy of the the tele-interview premium check should be included with each • When amendments are made to the policy application (if initial payment is not a bank draft) . Mail initial premium checks to: • The policy is issued in a no-voice-signature Phoenix Life Insurance Company P .O . Box 8027Boston, MA 02266-8027 Important Dates
Application Date
– Applications must be
Application Processing and Policy Issue
dated the day the application is completed .
Application materials will be reviewed and Application Receipt – Applications must be
processed promptly within receipt . The agent received at Phoenix's processing location will be notified via email of the policy number within 10 days of the application date . and any outstanding questions . Once the application is "In Good Order," the policy will Policy Effective Date – The policy will be
be issued and mailed to the agent or owner placed in force on the policy issue date . If a via US Mail, depending on delivery method .
signed Policy Acceptance Form is required, the policy effective date will be the date it is For questions on a pending life case, please received by Phoenix .
call the Phoenix Life New Business team at 1-800-417-4769, option 2, option 3 .
Specific Draft Dates – Initial premium will
be drafted upon policy issue . Requests for a
specific date for monthly bank draft must be On the Producer's Report, the agent has the requested on the Electronic Funds Transfer option of electing the policy delivery method: (EFT) form .
• The policy is mailed directly to the owner • The policy is mailed to the agent . If this method is selected, a Policy Acceptance form must be signed by the insured and owner (if other then insured) and returned to Phoenix within 30 days .
Field Underwriting Phoenix Safe Harbor Term Express is underwritten on a simplified issue basis . There are no medical examinations, tests or fluid collection . This product is designed to accept risks up to 4 tables or 200% mortality . Clients over 4 tables or 200% mortality will be declined . Underwriting is based on your client's answers on the application .
Part One of the application is completed with your client . This form includes a series of screening questions . If your client answers "yes" to any of these questions, coverage will not be available .
Part Two of the application contains underwriting questions used to determine if your client is eligible for coverage . This step can be completed in one of three ways (see page 7 for details) .
Please impress upon your client the need to ensure that their answers on the application and tele-interview are full, true and complete . Application answers will be validated against data received from third-party sources relative to identity, driving record, prescription and insurance history (MIB) . Coverage may not be available if application or tele-interview responses conflict with data we receive from these sources .
Our Life New Business team is available to field questions regarding eligibility whenever there may be an area of uncertainty . Call 1-800-417-4769, option 2, option 3 for assistance .
Preparing Your Client
Risk Classes
To help ensure an efficient application This product has 2 risk classes: Standard Non- process, ask your client to be prepared to Tobacco and Tobacco . Each of these classes provide information about their medical is designed to absorb risks up to table 4 history including: condition, diagnosis date, (200%) . Clients with mortality assessments treatment and physician name and address over table 4 will be declined . as well as the names of all prescription medications taken and condition being An affirmative response to the following question will classify the client as a Tobacco user (occasional pipe or cigar is defined as If the client answers "yes" to any of the less than 6 times a year): questions in Section 2 of application Part In the past year, have you used tobacco in any One, no coverage will be available . Please form (excluding occasional pipe or cigar use) review these questions with your client or nicotine replacement therapy? Medications and Charts list of Concerning Medications
If your client is currently on any of the medications cited below, coverage may not be available .
ABILIFY
ERGOLOID MESYLATES 2. Use to age 50 is acceptable. 3. Use in treatment for endometriosis is acceptable. Height & Weight Chart
This chart is designed to provide the maximum height/weight combinations for this product . The
limits shown reflect a full 4 table or 200% mortality loading . If your client is near the high end of
these limits and has other medical history, they may not qualify for coverage .
Guide to Impairments
Addison's Disease Accept to Decline Diagnosis and end of treatment over 10 years ago, Accept Otherwise, Decline ADLs (requires assistance) Cardiac Pacemaker (Artificial) Alcohol Abuse (current) Alcohol Abuse (history) Less than 5 years from end of use/ treatment, Decline After 5 years, Accept Cerebrovascular Accident Alzheimer's Disease Chest Pain (cardiac) Caused by injury, Accept Chronic Obstructive Pulmonary Due to disease within 1 year, Decline Otherwise, Decline Amyotophic lateral sclerosis (ALS) Less than 5 years from end of use/ treatment, Decline Anemia, Iron Deficiency After 5 years, Accept If removed, no cancer, Accept Otherwise, Decline Ankylosing Spondylitis Congestive Heart Failure (Chronic) Fully recovered, normal build, no Connective Tissue Disease treatment in last 2 years, AcceptOtherwise, Decline Coronary Artery Disease Anxiety Disorders Mild-Moderate, Accept Mild-Moderate, Accept Mild-Moderate, AcceptSevere, Decline Mild-Moderate (assuming non-smoker), NIDDM: Under Age 40, Decline Age 40 and up, Mild-Moderate, non- tobacco user, Accept Atrial Fibrillation Diagnosed over 2 years ago without current treatment, Accept Otherwise, Decline IDDM: Under Age 60, Decline Highly functioning and living Age 60 and up, Mild-Moderate, non- independently, Accept tobacco user, Accept Otherwise, Decline Barlow's Syndrome/mitral valve Barrett's esophagus No history of dysplasia, Accept Otherwise, Decline Less than 5 years from end of use/ Basal Cell Carcinoma treatment, Decline Benign Prostatic Hypertrophy After 5 years, Accept Berger's Disease (IgA Mild-Moderate, Accept Mild-Moderate, Accept Diagnosis and end of treatment over 10 Surgery >1 year ago without years ago, Accept complications, Usually Accept (evaluate Otherwise, Decline Gestational Diabetes Fully recovered, no treatment, Accept Current treatment, Decline Bundle Branch Block LBBB Bundle Branch Block RBBB Goiter/Graves Disease CABG/Bypass Surgery Guide to Impairments cont.
Heart Attack (See Myocardial Multiple Sclerosis (MS) Under Age 40, Decline Heart Failure (Chronic) Age 40 and up, Mild-Moderate, Accept Other than MVP, Decline Hepatitis A (Acute) Fully recovered, Accept Muscular Dystrophy (MD) Otherwise, Decline Myocardial Infarction Hepatitis B (Chronic) Mild-Moderate, Accept High Blood Pressure Mild-Moderate, Accept Hodgkins Disease Diagnosis and end of treatment over 10 years ago, Accept Otherwise, Decline Under Age 45, Decline Huntington's Chorea Age 45 and up, Mild-Moderate, Accept Pacemaker (Artificial) Single episode, fully recovered, no evidence of alcohol abuse, Accept Hysterectomy (benign) Otherwise, Decline Inflammatory Bowel Disease (see Mild-Moderate, Accept Crohn's or Ulcerative Colitis) Parkinson's Disease Irritable Bowel Syndrome (spastic Single episode, fully recovered, Accept Otherwise, Decline Juvenile Rheumatoid Arthritis (see Mild-Moderate, Accept Peripheral Vascular Disease Mild-Moderate, no tobacco use, no Rheumatoid Arthritis) surgery, confined to 1 limb, usually Otherwise, Decline Polycystic Kidney Disease Kidney Transplant (see Renal Polycythemia (Vera) Diagnosis and end of treatment over 10 years ago, Accept Otherwise, Decline Psoriatic Arthritis (see Rheumatoid Mild-Moderate, Accept Lupus (Systemic) Erythematosus Diagnosis and end of treatment over 10 PTSD (Post Traumatic Stress Mild-Moderate, Accept years ago, Accept Otherwise, Decline Pulmonary Embolism Two or fewer episodes, fully recovered, Marfan's Syndrome Diagnosis and end of treatment over 10 Otherwise, Decline years ago, Accept Pulmonary Fibrosis Otherwise, Decline Pulmonary Hypertension Fully recovered, no residuals, Accept Otherwise, Decline Mental Retardation Highly functioning and living independently, Accept Otherwise, Decline Renal Transplant Single episode, fully recovered, Accept Mitral Insufficiency Otherwise, Decline Rheumatoid Arthritis Mild-Moderate, Accept Mitral Valve Prolapse Guide to Impairments cont.
Mild (stage 0 - stage 1, asymptomatic), Moderate- Severe, Decline Systemic Lupus Erythematosus Mild-Moderate, Accept Transient Ischemic Attack Sickle Cell Anemia Sickle Cell Trait Ulcerative Colitis Mild-Moderate, Accept Mild-Moderate (treated, asymptomatic), AcceptSevere, Decline Multiple Medical Conditions
The underwriting approach is designed to accommodate the likelihood of multiple medical
conditions . Conditions are evaluated in a manner which takes into account varying degrees of
severity, treatment and age . Note that the presence of either numerous or significant medical
conditions may result in decline .
Website
For product information, state availability, quotes, marketing material and new business processing
information, please visit phoenixsalesnet .com .
live Support
Call for live assistance Monday through Pending Case Status, New Business and
Friday, except major holidays .
Underwriting Eligibility Questions:
Product Information, Marketing Fulfillment
Life New Business: 1-800-417-4769, option 2, and Application Help:
Sales Desk 1-888-794-4447 Available 8:30 a .m . – 5 p .m . Eastern Time Available Monday through Friday, Tele-interviews: 1-855-249-8441
8 a .m . – 6 p .m . Eastern Time Available 8 a .m . – 8 p .m . Eastern Time Health Insurance Portability and Accountability Act (HIPAA)
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) combats waste, fraud
and abuse in the insurance industry . HIPAA guidelines have specific disclosure requirements
that prohibit unauthorized persons from viewing or receiving confidential medical information .
As a result, strict HIPAA regulations prohibit us from divulging or discussing with the agent any
medical information obtained during underwriting .
Medical Information Bureau, Inc.
The Medical Information Bureau (MIB) is a membership association of life insurance companies .
The primary mission of the MIB is to provide an alert to its member insurance companies
against omissions and fraud . This helps MIB member companies to protect their interests and
leads to cost savings which can be passed on to the insurance consumer .
The authorization sections on the application authorize Phoenix to access the MIB and to obtain any necessary medical records for the Proposed Insured during the underwriting process . Please note that the MIB is used as an alert . Actual underwriting decisions are not based on MIB inquiry results alone .
Phoenix helps people secure their retirement dreams and protect loved ones with annuities and life insurance . Founded in 1851, Phoenix has a long, proud history of keeping its promises .
Guarantees are based on the claims-paying ability of the issuing company, PHl variable Insurance Company or Phoenix life
Insurance Company.
Phoenix Safe Harbor Term Life (ICC14PPTL) whole life insurance is issued by PHL Variable Insurance Company (PHLVIC) . In Maine and New
York, Phoenix Safe Harbor Term Life is issued by Phoenix Life Insurance Company (PLIC) . PHLVIC is not authorized to conduct business in
Maine and New York .
These insurers are separate entities and each is responsible only for its own financial condition and contractual obligations .
Members of The Phoenix Companies, Inc .
L5088G 2014 The Phoenix Companies, Inc .
BPD39126

Source: http://www.safeharborterm.com/files/5314/0613/0371/Phoenix_Safe_Harbor_Term_Life_Express_Quick_Reference_Guide.pdf

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