Chester Clinic

03-056-1 (03-07):03-056-1 rv.qxd.qxd

 Medical Requirements
 Build Charts
 Medical Impairment Guidelines
 Occupational Guidelines
 Preferred Underwriting
Americo Financial Life
and Annuity Insurance Company
03-056-1 (03/07) Americo4th Edition The information is provided in this booklet to assist in the understanding of the guidelines used by Americo whenreviewing applications. It is important that you understand these are guidelines only. Each case underwritten by Americois unique and all factors from all sources are taken into consideration before a final underwriting decision is made. Theunderwriting staff at Americo reserves the right to deviate from these guidelines as may be appropriate for the properunderwriting of the case.
Agent Café: Access product information, forms, and
Underwriting: Have a special situation? Refer to Agent Cafe
consumer-friendly information and download illustration or this Field Underwriting Guide. For access to an underwriter, software at our agent website, Agent Café, at contact Agent Contact Center at 800.231.0801 and a www.americo.com. representative will direct you to an available underwriter.
Sales Support: The Sales Support area provides proactive and
To submit Underwriting and Delivery Requirements, fax to reactive pre-sales assistance to agents via telephone and email.
They are available to assist agents with product questions,illustrations, technical questions about our websites, and anyother questions directly related to doing business with Americo.
Claims: Phone: 800.231.0801
In addition, Sales Support implements proactive calling Fax: 816.391.2784 campaigns that are focused on helping agents do business withAmerico. Call 800.231.0801, ext. 8410 Monday through Friday 8:00 am to 5:00 pm CST or email at Qualified Life Insurance
Agent Contact Center: The Agent Contact Center assists
Fax: 800.395.9238 IMOs and agents when they need information about newlysubmitted life, annuity, and mortgage applications, licensing or commission related issues. Contact center representatives are trained in all facets of New Business operations with the goal Phone: 800.634.1181 to provide answers to your questions on the first call. You can Fax: 800.395.9238 contact them by phone at 800.231.0801 or by email [email protected]. The center's hours are 8:00 am to 5:00 pm Central Time, Monday through Friday. General DeliveryP.O. Box 410288 Supply Orders: Fax supply orders to 800.263.3336 (use supply
Kansas City, MO 64141-0288 requisition form #55121) or email your order [email protected].
Overnight300 W. 11th Street Submitting the Americo Application: Submit new business
Kansas City, MO 64105-1618 applications by faxing the applications with the FaxedApplication Transmittal Form (#AFSFAX2002) to 800.395.9261. A maximum of eight applications may be sentper transmittal form; please retain the original application(s) foryour files - do not mail.

Submitting the Application . . . . . . . . . . . . . . . . . . . . . . 2
Underwriting Quick Guide . . . . . . . . . . . . . . . . . . . . 3-4
Underwriting the Application . . . . . . . . . . . . . . . . . . 6-7
Financial Underwriting Guidelines . . . . . . . . . . . . . . . . . 8
Preferred Underwriting . . . . . . . . . . . . . . . . . . . . . 9-11
Single Impairment Guide . . . . . . . . . . . . . . . . . . 12-20
Combination Impairment Guide . . . . . . . . . . . . . . 21-25
Introduction to Disability Income Rider . . . . . . . . . 26-27
Disability Income Rider Impairment Guide . . . . . . . 28-34
Disability Income Rider Occupation Guide . . . . . . . 35-38
Prescription Drug List . . . . . . . . . . . . . . . . . . . . 39-43
FIELD UNDERWRITING GUIDELINES New Business Processing
Faxing the Application
For fast track policy issue, submit new business applications to Americo Financial Life andAnnuity Insurance Company by faxing the applications, all state-required forms,replacement forms and the Faxed Application Transmittal forms (#AFSFAX2002) to 800.395.9261. You may fax multiple applications with a single transmittal sheet, but do notexceed eight applications as indicated on the form. A confirmation fax of your newbusiness fax will be returned within four business hours and will include the assignedpolicy number. You will receive a separate fax confirmation for each application. Procedures on Drafting for New Business
To make processing more efficient and provide better customer service, please rememberthat we will automatically draft for up to two premiums at issue of an approved policy ifneeded. This may become necessary if certain effective dates are requested, amendments are outstanding and received in the Home Office after the effective date, during conversion processing, etc. Wewill only call for approval verification if three or more months have passed. Please advise clients of this procedurewhen taking an application for new business.
New Business Procedures for Policies Set Up on Bank Draft
To provide more efficient processing and provide better customer service, please follow the guidelines belowwhen taking an application for a policy that will be set up on Bank Draft: Drafting is not available on the 29th, 30th, or 31st of any month.
If an applicant requests a specific draft date, please indicate this in the agent comments section of theapplication. Also remember that the draft date and the effective date will be the same if a specific date isrequested and no Cash With Application (CWA) is submitted initially.
If a policy is requested to be set up on Bank Draft, and no CWA is submitted and a specific draft date oreffective date is not requested, the policy will be dated current and the policy will draft that night. Example: Ifan application was approved and issued today, it will draft tonight if an effective date was not requested. Theeffective date and the draft date must be the same.
It is possible that we will draft for two months of premium if a policy has been issued and has, for example,an outstanding rated amendment. Premiums cannot be applied until the amendment is received. If we do nothave CWA, the first premium will be drafted. If the amendment is not received until after the secondpremium is due, we will draft for two months of premium upon receipt of amendment or requirements.
We will only call for approval for multiple drafts if we will be drafting for three or more months of premium.
We can draft from a savings account only with written confirmation of transit and routing numberinformation from the bank or savings institution.
Always advise clients of this procedure when taking applications for new business that involve a Bank Draft.
FIELD UNDERWRITING GUIDELINES Medical Requirements Chart for fully underwritten products applying for Standard:
LifeTerm Series, LifeCrest Index, LifeCrest, LifeCrest LT, Quality 25, Classic Life, SecuriTerm
If Applying for Preferred Underwriting, see Page 9, 10, and 11
(Amount applied for and in force for all Americo Companies)
Paramed Exam, HOS (For LifeCrest LT and LifeTerm - Agent Collected Saliva from $50,000 to $99,999)
Agent Collected Saliva or HOS Paramed Exam, HOS Paramed Exam, HOS, Blood Profile Paramed Exam, HOS, Blood Profile Paramed Exam, HOS, Blood Profile, ECG, Inspection Report MD Exam, HOS, Blood Profile, ECG, Inspection Report MD Exam, HOS, Blood Profile, Treadmill ECG, Inspection Report *Preferred Underwriting: May be considered at a minimum face amount of $100,000 for LifeTerm, LifeCrest Index, LifeCrest and
LifeCrest LT. The minimum Preferred face amount for SecuriTerm is $150,000. Minimum medical requirements for Ultra-Preferred or
Preferred rates, always include a Long Form Exam performed by an approved paramedical facility, HOS and Blood Profile. DO NOT use
the Agent Collected Saliva if Preferred Rates are desired.
**Saliva Testing: LifeTerm and LifeCrest LT requires an Agent Collected Saliva Test from $50,000 to $99,999. As well as any client ages
18-40 applying for standard rates between $100,000 - $250,000, for fully underwritten products. A Saliva specimen should not be collected
at the time of application if an Exam is required or Preferred Rates are desired. Saliva specimens should be mailed or overnighted to
Clinical Reference Laboratory.
Lab Work: Examiners should submit all lab work to Clinical Reference Laboratory - HOS' and Blood Profiles.
***Classic Life and Quality 25 plans for Nonsmoker Select and Select Bands are examined for Standard Medical Requirements, not
Preferred Requirements.
APS' - Attending Physician Statements - May be ordered at the discretion of the underwriter, but in general will be ordered based on the
amount of insurance, age, medical history, medical examination findings or MIB results.
Medical Questionnaires: Questionnaires are available on Agent Cafe' and may be used to supplement our Life Insurance or Disability
Income Rider applications and may provide enough medical information for underwriting approval without an APS. Refer to page 27 for a
listing of Americo questionnaires.
**** Maine Residents: For ages 18-65, minimum product face amount through $99,999 requires Agent Collected Saliva Test.
Standard Requirements for Lifetime Legacy - Single Premium Universal Life
Net Amount at Risk
Telephone Interview, Attending Physician's Statement when necessary.
Telephone Interview, Attending Physician's Statement mandatory; Paramed Exam and Home Office Specimen (HOS, urinesample) when necessary.
Telephone Interview by Mid America Agency Services (877) 844-5046.
Standard Requirements for
Standard Requirements for Ultra
Home Mortgage Series
Issued on an Accept/Reject basis according to health questions on the application. MIB will be required, and applications maybe teleunderwritten. To qualify for Ultra Protector I, the applicant must answer "no" to all health questions on the application. Toqualify for Ultra Protector II, the applicant must answer "no" to Nonmedical w/agent collected the first set of health questions on the application.
saliva test and HIV form FIELD UNDERWRITING GUIDELINES Rider Weight Ranges
(Lifetime Legacy and
*Fully underwritten products for standard maximum weight include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, and SecuriTerm.
Paramedical, Teleunderwriting, Attending Physician's Statements, and Lab Support
The following companies have been approved to provide exam, teleunderwriting, and lab services to help expedite the successful underwriting of your clients: APPS (American Para MAAS (Mid America Agency Services) Professional, Inc.) EMSI (Examination Management Services, Inc) 11820 W. 85th St.
Agent Collected Saliva Training and Testing
To order saliva kits FIELD UNDERWRITING GUIDELINES Non-Medical Application For Issue Ages 0-17
Complete all health questions on the appropriate application providing the name, address,and telephone number of the personal physician, plus the date, and reason the physicianwas last consulted.
$250,001 and Above Paramed Exam and HOS (Contact an underwriter to discuss medical requirements, financial justification, and purpose of coverage before application is submitted.) The amount of insurance on a child should be reasonable in relation to the
coverage carried by the parents and the same amount as his/her siblings.
Saliva testing is used with the OraSure oral specimen collectiondevice, which is a non-invasive way to collect oral fluid specimens. It can be used for termand Universal Life products for ages 18-40 through $250,000 when preferred rates are notdesired. The Saliva Test is also required for the LifeCrest LT and LifeTerm Series productsfor face amounts between $50,000 and $99,999 and HMS for face amounts from $250,001through $400,000 The agent must be certified to collect the saliva specimen and completea brief training program, which includes a short quiz. Training and the quiz may be takenon-line at www.salivatraining.com. If you do not have computer access, training can also be completed by calling Clinical Reference Laboratory'sCustomer Service number at 800.882.1922 and advising them that you are an Americo agent and do not havecomputer access. CRL will send you a fax packet, which is approximately 20 pages of instructions, training, andthe test.
The specimen is collected by the agent and forwarded to CRL (Clinical Reference Laboratory) in a special mailingenvelope provided in the saliva kit. The kits can be ordered at no cost to the agent. To order saliva kits call 800.882.1922.* Any questions regarding testing or collection call 800.882.1922 (CRL).
* CRL will set a limit on orders and track kits used for future replacement kits.
Substituting Medical Requirements
Medical requirements such as Examinations, Home Office Specimens, Blood Profiles, and ECGs from otherinsurance companies done within 180 days of the date of the application may be acceptable as substitutes,provided they are of good quality and readily available. Home Office Specimens and Blood Profiles completed bya laboratory other than Clinical Reference Laboratory may need to be repeated depending on the date and extentof testing. Tests that do not meet minimum requirements under Americo guidelines may also need to be repeated.
It is Americo's position not to retest for abnormal or positive laboratory values such as positive nicotine screensand other positive tests with the exception of some abnormal or insufficient amount of Home Office Specimens.
Health questions on the Americo application must be answered when submitting medical requirements that arenot current.
FIELD UNDERWRITING GUIDELINES Inspection reports may be ordered at the discretion of the underwriter. In general, they are ordered by the HomeOffice if the amount applied for and in force with Americo exceeds $1,000,000 for Term and Universal Lifeproducts. The writing agent should inform the proposed insured when an inspection report is required so thathe/she will expect a phone call or personal interview. Phone interviews are conducted for amounts through $3,000,000 and in-person interviews are conducted foramounts in excess of $3,000,000. Our inspection company is LabOne, in Lee's Summit, MO.
Health Changes During Underwriting
Any change in the health of a person to be insured which occurs after the original application date, but beforecoverage becomes effective, must be reported to the Americo Underwriting Department. Contact theUnderwriting Department and provide detailed information regarding the health change.
It is Americo's position not to retest for abnormal or positive laboratory values such as positive nicotine screens
and other positive tests with the exception of some abnormal or insufficient amount Home Office Specimens.
Some abnormal urinalysis (HOS) screens that indicate the possibility of underlying renal pathology may be
repeated depending on the abnormality with the possibility the application can be considered rather than
postponed pending a urinary work up.
Whether the medical check-up is for periodic wellness exams or symptomatic in nature, it is important to providecomplete details on the application. The agent should list the reason for the exam, date, and results of the check-up for all proposed insureds. Always provide the name, address, and telephone number of the attending physicianor medical facility. If there is a patient identification number such as a Kaiser Permanente number, please includethat information on the application as well.
Medical Information Bureau (MIB)
The standard industry notification must be delivered to every proposed insured (or owner, if the proposed insuredis a minor) at the time the application is taken. The Military/Sports Activity Questionnaire (Series 8335) should be completed if the proposed insured participatesin the following sports:• Mountain or rock climbing Racing, performance testing, or stunt driving (automobile, motorcycle, motorboat) Skydiving or parachuting Spelunking (Cave exploration) Complete and submit Aviation Questionnaire (Series 8334) if the proposed insured has flown or contemplatesflying other than as a fare-paying passenger. Commercial pilots and flight attendants flying regularly scheduledpassenger planes are offered coverage at standard rates.
FIELD UNDERWRITING GUIDELINES The first aspect of assessing life insurance risks is the establishment of insurable interest,which must be determined before the life insurance policy is issued. An insurable interestexists when the policyowner is likely to suffer some financial loss or detriment if theinsured dies.
Personal relationships that have insurable interest include:• Parent (of minor children) Financial relationships considered to have insurable interest include:• Creditor (The amount of insurance must not exceed the indebtedness.) Key Person (The general rule for the amount of insurance is no more than five timesthe proposed insured's annual income. Refer to page 8 for additional information.) Principal stockholders Employer to key employee Business partnerships Active military personnel must complete a Military Questionnaire (Series 8335) and submit it with the applicationfor insurance. If deployment orders are pending, or have been received (verbal or written), please indicate thelocation of the next duty site for underwriting consideration. Both universal life and term insurance will beconsidered with a minimum face amount of $25,000. Attending Physician Statements will be requested as neededfor medical history.
Domestic Military Guidelines (Stationed in United States) For pay grades E-3 and above: Age Nearest Birthday Non-Medical Limit Guidelines apply to active military personnel and national guard members called to active duty. For amounts inexcess of the above non-medical limits, regular guidelines will apply. Spouses and children will be consideredunder our regular underwriting rules. Pay grades E-1 and E-2 will be considered on an individual basis for amaximum of $100,000.
In the event of any future military conflict, these guidelines may be discontinued.
Foreign Nationals and Foreign Travel
Foreign Nationals - Coverage is not available for foreign nationals visiting or temporarily residing in the United
States. Some consideration may be given to noncitizens who have established legal permanent residency in the U.S.
and are applying for citizenship. Any applicant who is not a United States citizen must reside in the United States
for a minimum of one continuous year prior to the application and have no significant medical history that would
require medical records from a foreign country. For non-U.S. citizens without a social security number, some
form of identification must be submitted with the application. Please submit a copy of one of the
following documents with the application. No exceptions.
Copy of the applicant's Driver's License Copy of the applicant's government-issued Photo ID, Green Card, or VISA Copy of U.S. Citizenship and Immigration Services Form I-551 ("Green Card") or Visa. Copy of Mexican Consulate Matricula Foreign Residence and Travel - United States citizens making short trips (4 weeks or less) out of the country
for business, pleasure, or educational purposes are usually acceptable risks, depending on their destination. Please
complete a Residency and Foreign Travel Questionnaire (Series 03-171-1) for applicants who anticipate future
foreign travel and submit it at the time of application. The Foreign Travel Questionnaire is not required in
all states. Consult underwriting with questions.
FIELD UNDERWRITING GUIDELINES Type of Coverage
PERSONAL COVERAGE AND
Maximum Coverage Applied-For and In Force *With more individuals working past age 65, individual consideration should be used and the maximum income factor should not exceed 3 to 4 times.
BUY / SELL
NEW ORGANIZATION
Initial Capitalization Per Partner
ESTABLISHED ORGANIZATION
Financial Statement Analysis
% of Ownership
ESTATE TAX NEEDS
TAXABLE ESTATE AND TAX RATE
Amount of insurance on a child should bereasonable in relation to the coverage carried by the parents and his/her siblings. All children should be covered for a similar amount. It is strongly recommended that you contact an underwriter to discuss the need for a face amount in excess of $100,000 for an applicant under the age of 18.
KEY PERSON
NEW ORGANIZATION
2 to 5 X Annual Salary plus Bonus
ESTABLISHED ORGANIZATION
5 to 10 X Annual Salary plus Bonus
FIELD UNDERWRITING GUIDELINES Prequalify for Preferred
It is recommended that the agent prequalify the proposed insured prior to quoting
preferred rates. A preferred risk involves meeting the standard guidelines plus the
following criteria that should be reviewed with the proposed insured to determine if
he/she qualifies:
•
Height and weight (see Build Charts, page 11)
Nicotine use
Be certain to review the proposed underwriting class and its requirements prior topresenting the sales illustration. If the applicant does not qualify for preferred, the policywill be amended and will result in an increase in the premium proposed, or a reduction in cash value accumulationif premium is not increased.
Preferred underwriting is a means to offer the insured with better than average health a lower than average cost of
insurance. A minimum face amount of $100,000 is required to be eligible for preferred underwriting for
LifeCrest Index, LifeCrest, LifeCrest LT, and LifeTerm Series. A minimum face amount of $150,000 is
required for preferred underwriting for SecuriTerm. Qualifying as a preferred risk involves meeting the
standard underwriting guidelines found in the preferred underwriting criteria section of this Guideline. The
applicant must be an acceptable risk and meet all requirements in each criterion to qualify for preferred.
Applicants with medical histories involving diabetes, internal cancer or melanoma, coronary artery disease or
alcohol/drug abuse, as well as borderline rateable risks are ineligible. Driving history, family history, height and
weight, as well as occupation and avocations (including flying) must be identified on the application. The ultra
preferred rate is available on a non-nicotine classification only for the LifeTerm Series product.
Definition of Non-Nicotine
Non-nicotine means no use of cigarettes, cigars, pipe or chewing tobacco, nicotine gum, nicotine patches, or otherproducts containing nicotine in the past year. For ultra preferred, there must have been no nicotine usage in thethree years prior to the date of the application. For preferred, there must have been no nicotine usage in the yearprior to the date of the application.
Minimum Medical Requirements
The minimum medical requirements for preferred or ultra preferred rates include a Long Form Exam (paramed),
HOS, and Blood Profile.
FIELD UNDERWRITING GUIDELINES Preferred Products: LifeCrest Index - LifeCrest LT - LifeCrest - LifeTerm Series - SecuriTerm
Prequalify for Preferred. It is recommended that you prequalify the Proposed Insured prior
to quoting Preferred rates. A Preferred risk involves meeting the following criteria that should
be reviewed with the Proposed Insured to determine if he/she qualifies. Avoid reselling and
policy amendments at the time of delivery by using this checklist. Apply for Standard
Non-Nicotine or Standard Nicotine if disqualified from any of the following criteria:
Ultra-Preferred
LifeTerm Series plan. Non-Nicotine only.
Non-Nicotine and Nicotine Non-Nicotine and Nicotine
(Non-Nicotine means no usage
NICOTINE USE
(Non-Nicotine means no usage
in the past 3 years)
in the past 1 year)
No substandard for any reason No substandard for any reason No DUI or reckless driving in the No DUI or reckless driving in the No more than 2 moving violations
No more than 3 moving
in the past 5 years
violations in the past 3 years
No death of parent/sibling prior to age 60 No death of parent/sibling prior to age due to cardiovascular or cerebrovascular 60 due to cardiovascular or disease or diabetes cerebrovascular disease or diabetes No history of diabetes, internal cancer or No history of diabetes, internal cancer melanoma, coronary artery disease, or melanoma, coronary artery disease, alcohol/drug abuse, or any rateable alcohol/drug abuse, or any rateable No history or treatment History of treatment* Age 18-75 225
Age 18-75 250
Controlled cholesterol whose
No history or treatment
controlled average for the past
12 months is 250 or less
Less than or equal to 5.0
HDL CHOLESTEROL
Less than or equal to 6.5
Laboratory test results may deviate within Laboratory test results may deviate 10% of normal ranges within 10% of normal ranges No hazardous occupation/avocation
No rateable occupation/avocation
No flying - except commercial No flying - except commercial passenger/crew. Private aviation will be passenger/crew. Private aviation will considered with an Aviation Exclusion Rider. be considered with an Aviation Military personnel are not eligible.
Exclusion Rider. Military personnel are not eligible.
See Ultra-Preferred Build Chart
See Preferred Build Chart
he diff enc
een the Ultr
een the Ultr
eria and the P
eria and the P ef
e highlight
ed in bold
e highlight
ed in bold
*Individuals being treat
*Individuals being tr
tension whose blood pr
ension whose blood pr
v age the past 12 months does not ex
age the past 12 months does not ex eed
140/80 ages 18-40 and 140/85 ages 41-75 are eligible f
140/80 ages 18-40 and 140/85 ages 41-75 ar
e eligible f
his f rm is not int
rm is not int nded t
nded t be part of the application, ho
t of the application,
r it may be fax
ed with the application t
ed with the application t (877) 475-0447.
FIELD UNDERWRITING GUIDELINES AMERICO PREFERRED GUIDELINES - BUILD CHART
Ultra Preferred (LifeTerm Series) and Non- Nicotine only Height and Weight limits for men Height and Weight limits for men and women If all other underwriting standards are met, add 20 pounds to the maximum weight limit for Preferred rates, but not Ultra Preferred.
FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Typical Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the Protector - Standard Legacy - Standard
Action - HMS
final determination based on all factors of to Table 4
to Table 4
Standard to
Recovered within 2 years Recovered within 2-5 years Recovered after 5 years With relapse within 4 years With relapse 4-6 years With relapse over 6 years Standard to Table 2 History of abuse and currently drinking Decline ALS (Lou Gehrig's Disease)
Traumatic (one limb) Associated with diabetes Loss of bladder/bowel control Abdominal Aorta (no surgery < 5cm) Thoracic Aorta (no surgery) With surgical correction within 6 months (abdominal and thoracic) With surgical correction after 6 months Table 4-6 to 3 years (abdominal and thoracic) With surgical correction after 3 years (abdominal and thoracic) Angina Pectoris (stable)
Angina Pectoris (unstable)
Aortic Insufficiency (see Heart Murmur)
FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the Protector -
Legacy - Standard to Action - HMS
final determination based on all factors of Standard to Table 4 Table 4
Standard to
Treated medically (acute) Standard - Table 3 Treated medically (chronic) Table 2 - Table 5 Arthritis, Rheumatoid (See Rheumatoid
Arthritis)
Smoker-well controlled One eye with opposite eye normal Breast Cancer (see Cancer)
Acute (mild to moderate) Chronic (see COPD) Gastric within 3 years Table 3 and Build rating Usually standard Gastric over 3 years Heart (see Coronary Artery Disease) Breast < 2 cm within 2 years Breast < 2 cm over 2 years Breast 2-5 cm within 3 years Breast 2-5 cm over 3 years Breast > 5 cm within 5 years Breast > 5 cm over 5 years Colon within 3 years $12.50 per thousand Colon over 8 years Kidney within 2 years Kidney over 8 years Melanoma within 2 years Melanoma 2-6 years FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the final Underwritten
Protector - Standard
Legacy - Standard
Action - HMS
determination based on all factors of the risk.
to Table 4
to Table 4
Standard to
Table 6
Melanoma over 6 years Lung within 3 years Lung over 8 years Prostate within 2 years Prostate 2-6 years Prostate over 6 years Skin (Basal or Squamous Cell) Carotid Artery Disease (see Stroke)
Cerebral Vascular Accident (CVA-see Stroke)
Chronic Fatigue Syndrome
Chronic Obstructive Pulmonary Disease
(COPD):
Chronic Bronchitis, Emphysema-mild Chronic Bronchitis, Emphysema- Smoker -mild to moderate only Cirrhosis of the Liver
Colitis, Spastic or Irritable Bowel Syndrome
Colon Cancer (see Cancer)
Over 6 months, fully recovered With residual deficits Rate for residuals to Congestive Heart Failure
Convulsions (see Epilepsy)
Coronary Artery Disease:
Bypass (CABG) angioplasty (PTCA) or Table 4 and up Onset before age 40 FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the Protector - Standard Legacy - Standard
Action - HMS
final determination based on all factors of to Table 4
to Table 4
Standard to
With surgery after 6 months Without surgery after 1 year D&C (benign pathology):
After 1 year, fully recovered Psychosis over 6 months Schizophrenia < 2 years Schizophrenia over 2 years Suicide attempt-one (over 1 year) Suicide attempt-multiple Hospitalized within 3 years With alcohol abuse Type I treated with insulin Table 4 (minimum, diagnosed under age Graded Benefit Diagnosis over age Type II treated with oral meds or diet Onset under age 20 Onset age 20-29 Type I Onset age 20-29 Type II Onset age 30-39 Type I Onset age 30-39 Type II Onset age 40-60 Type I Onset age 40-60 Type II Onset over age 60 Type I FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the Protector - Standard
Legacy - Standard
Action - HMS
final determination based on all factors of to Table 4
to Table 4
Standard to
Onset over age 60 Type II Adverse driving records will be underwritten on an individual application basis subject to a motor vehicle report.
Drug Abuse:
Cocaine within 5 years Cocaine over 5 years Multiple drug use Other street drugs within 3 years Other street drugs within 3-6 years $7.50 per thousand Other street drugs over 6 years Prescription narcotics With alcohol abuse Emphysema (see COPD)
Endocarditis (see Heart, other)
Grand Mal attack within 6 months Grand Mal attack over 6 months Petit Mal attack within 6 months Petit Mal attack over 6 months Heart Attack (see Coronary Artery
Disease)
Heart Bypass (see Coronary Artery
Disease)
Aortic Insufficiency Mitral Regurgitation Mitral Valve Prolapse Decline 1 year then Table 4 plus flatextra to be determined Pericarditis over 6 months FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the Protector -
Legacy - Standard
Action - HMS
final determination based on all factors of Standard to Table 4 to Table 4
Standard to
Heart Valve Replacement:
Table 4 plus flat extra Alcoholic Decline B with full recovery C with full recovery High Blood Pressure:
Less than adequate control elevated readings Hodgkin's Disease within 3 years
Hodgkin's Disease over 3 years
Table 2 plus flat extra Shunt insertion within 3 years Shunt insertion more than 3 years No shunt, over 1 year Postpone minimum 3 Indigestion (see GERD)
Kidney Failure, Dialysis
Lou Gehrig's disease (see ALS)
FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the final Protector -
Legacy - Standard
Action - HMS
determination based on all factors of the risk.
Standard to Table 4 to Table 4
Standard to
Table 6
Systemic over 1 year Systemic off steroids 2 years or more Major or Manic Depression (see Depression)
Memory Loss/Problems (see Alzheimer's)
Mitral Insufficiency/Stenosis (see Heart
Murmur)
Mitral Valve Prolapse (see Heart Murmur)
Possible standard Severe or progressing Table 4 plus flat extra Myocarditis (see Heart, Other)
Myositis, Fibrositis (see Fibrositis)
Mild no progression Nephrectomy (kidney removal)
Moderate with normal kidney tests Severe and/or abnormal kidney tests Neurosis (see Depression)
Organic Brain Syndrome
Maintenance Therapy no symptoms, With fracture history FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the Protector - Standard Legacy - Standard to Action - HMS
final determination based on all factors of to Table 4
Standard to
Acute within 1 year Acute over 1 year Normal bowel functions Bowel/bladder impairment Pericarditis (see Heart, Other)
Peripheral Vascular Disease:
Onset over age 40, mild Moderate or with complications Polycystic kidney disease
Past complicated pregnancies Present complications Prostate Cancer (see Cancer)
Psychosis (see Depression)
Mild, working full time Lung within 1 year Other organs over 1 year $2.50 per thousand Schizophrenia (see Depression)
Sleep Apnea:
Surgery, symptoms resolved FIELD UNDERWRITING GUIDELINES *Fully underwritten products include: Classic Life, LifeCrest Index, LifeCrest, LifeCrest LT, LifeTerm Series, Quality 25, andSecuriTerm. Typical Underwriting Typical Underwriting Typical Underwriting Action - Fully
Action - Ultra
Action - Lifetime
Underwriting reserves the right to make the final Protector - Standard Legacy - Standard
Action - HMS
determination based on all factors of the risk.
to Table 4
to Table 4
Standard to
Table 6
No residuals over 1 year Table 4 plus flat extra Multiple strokes or residuals Transient Ischemic Attack (TIA) Table 3 plus $5 per Multiple TIA's over 1 year Table 4 plus $5 per Carotid Artery Disease without stroke, no surgery Carotid Artery Disease without stroke, with surgery Suicide attempt (see Depression)
Systemic Lupus Erythematosis
Standard to table 3 Hypothyroid treated and controlled Hypothyroid others Transient Ischemic Attack (TIA-see Stroke)
Full blown disease within 1 year Full blown disease after 1 year Standard to Table 4 Positive skin test Tumors (see Cancer)
Ulcerative Colitis (see Crohns)
Moderate with edema Operated, recovered FIELD UNDERWRITING GUIDELINES In Combination With
Typical Underwriting Typical to Table 4
Driving Criticism consideration to risk consideration to History of rehab with Combined with drug use or history of drug use Rateable Avocations Dementia in all forms, Arrest or Felony
Still on probation ends. Individual ends. Individual ends. Individual consideration after criminal activity.
criminal activity.
criminal activity.
Obstructive Pulmonary Status Asthmaticus above, depending acceptable on severity andnumber of attacks With internal organ (Damage caused by the
body's immune
system)
FIELD UNDERWRITING GUIDELINES In Combination With
Typical Underwriting Typical Underwriting Typical Underwriting Typical Protector Standard Legacy
to Table 4
Abnormal body scans or Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Multiple Cancer sites Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable classification to risk not acceptable.
Attack, or Stent)
Under age 40 at time of Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Cerebrovascular Disease Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Congestive heart Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable consideration, depending onduration and extentof depression.
Peripheral vascular Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk indicates high Risk not acceptable Risk not acceptable Risk not acceptable mortality risk or risknot acceptablebased on extent ofsmoking andwhether COPD oremphysema hasbeen diagnosed.
Risk not acceptable Risk indicates high Risk not acceptable Risk not acceptable Risk not acceptable mortality risk or risk Angioplasty, Bypass, not acceptable.
Heart Attack or Stent) Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Complications such as Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable stroke, eye problems(retinopathy), Kidneyproblems (nephropathy) Risk not acceptable higher mortality risk higher mortality risk consideration FIELD UNDERWRITING GUIDELINES Typical Underwriting Typical Underwriting Typical Underwriting Typical Underwriting to Table 4
Alcohol abuse or Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Peripheral vascular Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable if Risk not acceptable if Risk not acceptable if Risk not acceptable if weight is Table 4 or weight is Table 2 or weight is Table 2 or weight is Table 4 or Emphysema or
Treated with oxygen Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable High blood
High Blood pressure Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable ratable Table 4 andabove with diabetes Risk indicates higher Risk indicates higher Risk not acceptable higher mortality risk assessment or risk assessment or risk assessment or risk not acceptable.
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable chronic renal disease Hepatitis C - chronic Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable or treated with interferon Alcohol abuse or Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable consideration to risknot acceptable.
Kidney transplant Within one year - Risk not acceptable Within one year - Risk not acceptable recipient, no other postpone. Thereafter, postpone. Thereafter, donor was a cadaver donor was a cadaver or living donor.
or living donor.
Chronic renal failure Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable or insufficiency.
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable bladder dysfunction FIELD UNDERWRITING GUIDELINES Typical Underwriting Typical Underwriting Typical Underwriting Typical Underwriting to Table 4
Peripheral
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Vascular
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable if Risk not acceptable Risk not acceptable Risk not acceptable overweight debitsexceeds Table 4 Higher mortality risk Risk not acceptable Risk not acceptable Risk not acceptable classification or risknot acceptable,depending on extentof PVD and smokinghistory to includewhether there isCOPD or emphysema.
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Within one year - Risk not acceptable Risk not acceptable Risk not acceptable postpone. Thereafter, individual consideration depending on age andwhether the donorwas a cadaver or living donor. Contactan underwriter.
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Seizures (also see
Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable consideration or risknot acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable FIELD UNDERWRITING GUIDELINES Typical Underwriting Typical Underwriting Typical Underwriting Typical Protector Standard Legacy
to Table 4
Risk not acceptable. Risk not acceptable. Risk not acceptable Table 2 or lower willbe considered.
Blood pressure inexcess of Table 2risk not acceptable.
Multiple strokes or Risk not acceptable Risk not acceptable Risk not acceptable Risk not acceptable TIA's with stroke Risk not acceptable Risk not acceptable Risk not acceptable classification or risknot acceptable.
FIELD UNDERWRITING GUIDELINES When applying for the Disability Income Rider (Rider Series 2145/2115), the appropriate DIR Supplement must be fullycompleted and submitted with the application. This document provides vital information, which will be used to qualifyyour applicant for coverage. The Disability Income Rider will be allowed at the time of initial underwriting only, and not asa policy change at a later date.  The maximum monthly benefit on the HMS product is equal to the monthly mortgage payment (PITI) or 2% of the face amount of the death benefit, whichever is less, subject to percentage of income limitations. Fully underwritten products use the percentages only and do not have the mortgage loan amount cap.
 The benefit cannot exceed $2,000 per month for all policies in force with Americo.
 Maximum benefit amounts for all in force individual disability income products are calculated on a percentage  60% of applicant's earned income or 40% in CA.
 Self-employed individuals are considered based on their net income (gross income less expenses) from Schedule C of
their Federal tax return or their 1099 totals. The Disability Income Rider is not offered to self-employed individuals working from their home.  60% for eligible government occupations (maximum $1,500).
 2145 Rider - choose 1 or 2-year benefit period.  2115 Rider - two-year benefit period available.
Full time Employment
 Applicant must be employed FULL TIME (at least 30 hours per week) year round. No seasonal, temporary, or
part-time occupations will be considered.
 Stable employment is of primary importance for qualification.  Applicant should be employed in the same occupation (industry and employer) for at least 12 months.
 If self-employed, applicant must have prior experience in that industry.
 Details of frequent occupation and employer changes must be provided.
 Periods of unemployment for the previous 5 years must be provided. (Reason, duration, and frequency or periods of unemployment.)  Unemployed at time of application: not eligible for the Disability Income Rider. The Disability Income Rider is not offered to individuals who have been given notice of layoff or termination, either verbal or written.
Annual Earned Income
 Earned income from the applicant's primary occupation only is considered when calculating the benefit amount.
 Unearned or passive income (rents, royalties, interest, dividends, and trusts) is not considered.
 Refer to the OCCUPATION GUIDE on Pages 35 to 38.
 Detailed description of duties is necessary. Job titles only are not sufficient.
 Obtain the percentage of time actually spent performing trade, service, or manual labor duties vs. supervisory or  Eligibility will be determined for the most hazardous occupation if the applicant has multiple jobs.
FIELD UNDERWRITING GUIDELINES  Full name, address, and phone number of the employer must be provided.
 Provide details as to the type of industry of the employer if not readily apparent, including identification of
Other Disability Insurance in Force
 In-force individual and group disability coverages ARE subtracted from the total monthly eligibility for LifeTerm Series.
 Employer paid group disability coverage and state funded programs are NOT subtracted from the total monthly eligibility for Home Mortgage Series, but individual disability coverage with another carrier is subtracted.  In-force individual disability coverage, to include group coverage paid for by the applicant, IS subtracted from the total monthly eligibility for other fully underwritten products.
 Previous periods of disability due to health or injury will be a factor in considering eligibility and may disqualify the applicant.
 If previous periods of disability exist, provide the date, duration, and reason for the disability.
Income Verification
 In some instances, income verification may be required during the underwriting process.  Individual wage earners should provide a copy of their most recent W-2 or pay stub.
 Self-employed individuals should provide a copy of their most recent Schedule C, if sole proprietors, Form 1120S with Schedule K1 if owners of an S Corporation, Form 1065 and Schedule K1 if a partner in a Partnership, or Form 1120 if an owner of a C Corporation.
 Refer to the Disability Income Impairment Guide (Pages 28-34).
 Answer all medical questions on the Application and the DIR Supplemental application.
 Provide full details of all medical history. Include dates, duration, medications, other treatment, and current status. Also include specific identification of affected areas such as right or left arm, leg, ankle, knee, shoulder, etc.
 Use QUESTIONNAIRES freely and often. Additional and specific information may make the difference in approving the DIR. (The Questionnaires can be used for all plans.)  Questionnaires are available on Agent Café and may be used for the Disability Income Rider or Life Insurance
Applications. Some questionnaires are state specific and may have another form number.
Alcohol Usage Questionnaire (Series 8336) Arthritis Questionnaire (Series 04-006-1) Aviation Questionnaire (Series 8334) Back Disorders Questionnaire (Series 04-006-2) Diabetes Questionnaire (CL9704) Drug Usage Questionnaire (Series 8337) Epilepsy Disorder Questionnaire (04-006-6) High Blood Pressure Questionnaire (04-006-3) Military & Sports Activities Questionnaire (Series 8335) Nervous Disorder Questionnaire (Series 04-006-4) Residence & Foreign Travel Questionnaire (Series 03-179-1) (not required in all states) Respiratory Questionnaire (Series 04-006-5)  Occupational duties are of primary importance in determining qualification with regard to past or current medical conditions.  History of repetitive motion injury or disease, in conjunction with occupations requiring manual labor, will be underwritten with caution and may be ineligible.
FIELD UNDERWRITING GUIDELINES This list is intended as a guide in field underwriting and is designed to help you prequalify the applicant for the
Disability Income Rider. It is essential for you to ask each question on the DIR Supplemental Application and
record the answer as provided by the Proposed Insured. Conditions such as back disorders, carpal tunnel
syndrome, or shoulder rotator cuff disorders may not impact life insurance mortality; however, they are
important in disability income underwriting and very important for certain labor intensive or repetitive
motion occupations. Many pre-existing conditions can be considered with an exclusion rider; however, certain
medical conditions or combinations of medical conditions are not insurable. For those impairments not listed in
this table, please contact an Americo underwriter through the Agent Contact Center.
Underwriting reserves the right to make the final determination based on all factors of the risk.
Acid Reflux
Alcoholism or Alcohol Abuse*
(use form Series 8336)
Alzheimer's / Dementia
Significant heart murmur (use form Series 04-006-1)
Rheumatoid or Psoriatic Mild, occasional brief episodes. No (use form Series 04-006-5)
tobacco, frequent/chronic symptoms, or steroid use Tobacco use or with ER or hospital Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Underwriting reserves the right to make the final determination based on all factors of the risk.
Attention Deficit Disorder*
Diagnosed as an adult, requiring (use form Series 04-006-4)
Aviation* (use form Series 8334)
History of strains/sprains or prior surgery Rider to Decline (use form Series 04-006-2)
with full recovery Current treatment, no surgery Bell's Palsy
Diabetic or both eyes impaired One eye impaired - congenital or trauma IC Controlled with Medication (use form Series 04-006-3)
Need full details on application depending on circumstances andoccupation Acute treated and recovered (not Chronic or ongoing; chronic obstructive lung disease or COPD See Build Chart on Page 4 Acute episode, fully recovered Chronic or recurrent Bypass surgery (heart)
Cancer - internal
>10 years, no recurrence Cancer - Skin
Basal Cell Carcinoma Melanoma < 5 years Squamous Cell Carcinoma Any form of cardiac or heart disease Carpal Tunnel Syndrome
Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Underwriting reserves the right to make the final determination based on all factors of the risk.
Mild, full recovery, no residuals Recurrent or residuals Chronic Fatigue Syndrome
Chronic Obstructive Lung Disease
Congestive Heart Failure
Coronary Artery Disease
History of Interstitial or recurrent DUI within previous 3 years, 2 or more ** supply license number and issuing state
accidents within previous 3 years, or 3moving violations within 3 years orcurrently suspended Drug Abuse
Epilepsy* (no occupational hazard)
Petit Mal - no seizures within 2 years (use form Series 04-006-6)
Grand Mal - no seizures within 5 years Barrett's Esophagus Eye Disorder
Need type, eye involved, and details Eye Surgery (Corrective)
Lasik or RK over one year Fatty Liver
Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Underwriting reserves the right to make the final determination based on all factors of the risk.
Fibrocystic Breast Disease
Definite Diagnosis Biopsy recommended, not done Simple or full recovery Residuals or complications No surgery recommended > 5 years, no complications, acceptable build Hearing Loss
Heart Disease or Disorder
Includes angina pectoris, heart attack, coronary artery disease, congestiveheart failure, and heart valve impairment Heart Murmur
Heard as a child, Innocent, no symptoms (See also Mitral Valve Prolapse) No symptoms /Surgically corrected Hernia, Inguinal (groin)
Surgically corrected > 1 year Hip Disorder
Controlled with Medication (use form Series 04-006-3)
Irritable Bowel Syndrome
Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Underwriting reserves the right to make the final determination based on all factors of the risk.
Donor > 6 months Infection - fully recovered Transplant recipient Liver Function Tests Elevated
Minimally elevated. No evidence of liver disease or alcoholism Abscess, cirrhosis, enlarged, hepatitis Discoid < 2 years Lyme Disease
Mitral Insufficiency or Stenosis
Mitral Valve Prolapse
No medication/No symptoms Symptoms or chronic medication Consider after recovery Myocardial Infarction/Heart Attack
Over age 50, present, not symptomatic Ovarian Cyst
Surgically removed, benign, full recovery Accept Over the counter drugs and prescription Narcotic pain medication Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Underwriting reserves the right to make the final determination based on all factors of the risk.
Pelvic Inflammatory Disease
Current treatment of within one year Fully recovered over one year Peripheral Vascular Disease
Single episode, full recovery Recurrent episode Single episode, full recovery Recurrent episodes Polycystic Kidney Disease
Pregnancy (need estimated delivery date)
1st or 2nd trimester, No complications (No prior complicated pregnancies)
Single Episode, Full Recovery Others or with Arthritis PTSD (Post Traumatic Stress Disorder)
Pulmonary Stenosis or Regurgitation
Present, not corrected Surgically corrected over one year Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Underwriting reserves the right to make the final determination based on all factors of the risk.
Rotator Cuff, tendonitis, bursitis, etc.
Sleep Apnea
Spinal Disorders* (use form Series 04-006-2)
treated successfully for more than 6months Surgery Contemplated or Cancer Urinary tract infection, Urethritis, Urethral Stricture See Build Chart on Page 4 Accept – DIR offered as applied
Rider – Exclusion rider placed on policy
IC – Individual consideration
Decline – DIR deleted from policy
*Medical Conditions highlighted in red require questionnaires* FIELD UNDERWRITING GUIDELINES Occupation List for
Disability Income Rider
Bookkeeper
"Yes" means eligible for the Disability Income Rider.
"No" means not eligible. Railroad employees and military
members are not eligible. Please contact underwriting for
unpublished occupations.
Bridge Foreman or Laborer
Accountant
Bus Driver (public, private, or individually owned)
Business Owner (Individual Consideration)
Aerobics instructor (owner/operator)
Aide (Health Care)
Cable TV (installer/repairman)
Air Hammer Operator
Cafe Worker
Air Traffic Controller
Cable TV (office only)
Car Sales (new car dealership)
Airport Security (TSA Passenger Screeners)
Car Sales (independent, used dealership)
Anesthetist
Cashier (first shift only)
Cement Truck Driver
Certified Medical Assistant
Armored Car Driver
Certified Nursing Assistant
Check Cashing Establishment
Childcare (not in residence)
Attorney (private practice or corporate)
Cleaning Services (owner operator only, not cleaning) YES
Auto body Painter/Repair
Auto Sales (Independent/Used Car Dealerships)
Clerical
Auto Sales (New Car Dealerships)
Coal Miner
Back hoe/Bulldozer Operator
Concrete & Cement Handler/Finisher
Conductor (Subway/Light Rail)
Bar Manager
Consultant (Self employed minimum 1 year with prior
same industry experience) FIELD UNDERWRITING GUIDELINES Consultant working out of the home
Estimator
Convenience Store Employee
Convenience Store Manager
Cook (Fine Dining Only)
Fast Food Employee
Floor Tile Installer
Countertop (fabricator and installer)(Corian and
Cosmetics (store employee only)
Fisherman
Counselor (office only)
Countertop (fabricator and installer)(Cement, Granite,
Floor Trader (Stock/Bonds)
Court Reporter
Custodian (School only)
Dance Instructor (owner/operator)
Delivery Driver (UPS/Fed EX, etc.)
Daycare (Director Administrator/Manager) not in
Delivery Driver (Beverage)
Game Warden
Garbage Collector (including driver)
Gas Station Employee (full service/full time)
Dietician
Director (Entertainment Industry)
Geologist
Dog Groomer (Not self-employed or working from home)
Glass Installer (not over 2 stories)
Golf Course Maintenance
Dock Worker
Government Officials (Elected or Appointed)
Government Employee (60% of income, maximum of
Dog Catcher/Humane Shelter Worker
Domestic Service Worker
Door-to-Door or Party Salespeople
Heavy Equipment Operators
Dresser, rendering plant worker
Guard (Evenings or Armed)
Guard (unarmed daytime security)
Dry cleaner
Hazardous Material Hauler or Handler
Dump Truck Driver
Health Club (owner/operator)
Health Club, Spa & Reducing Salon Employee
Home Health Care Provider
Home Schooling Teacher
EMT/Paramed
Exterminator and Pest Control
Hospital Administrator
Executive Director for non-profit organizations
Hotel Desk Clerk (daytime only)
Hotel Manager - living on premises
FIELD UNDERWRITING GUIDELINES Housekeeping Staff (Janitor)
Hunting & Fishing Guides
Moving Company (Drivers and Packers)
Mutual Fund Sales
Nurse - RN, LPN only
Interior Decorator (working from home)
Nurse - Private Duty
Nursing Home Employee other than RNs or LPNs
IRS Employee (no field duties)
Jockey, Trainer, Stableman
Occupational Therapist
Journalist (freelance or foreign correspondent)
Owner/Operator of business (not working from home)
Junk Dealer
Painter (not over 2 stories)
Landscape/Lawn Service - full time year round - no
labor or installation Pest Control and Exterminator
Pawn Broker
Pet Supply Store Employee
Photographer (In studio/Portrait)
Physical therapist
Long Haul Trucker
Lumber Yard Employee (Office only)
Pipe fitter
Mail Service Delivery Driver (UPS, FED EX, DHL,
Maintenance Men (Apartment complexes, etc)
Pole Setter
Manufacturing - see specific occupation
Marine Diver
Prison Guard
Massage Parlor Employee
Private Duty Nurse
Private School Employee
Medical Assistant (Hospital or Clinic)
Mental Health Care Employee
Public School Employee (60% of income, maximum
Migrant or Seasonal Worker
FIELD UNDERWRITING GUIDELINES Railroad Employee (Including subway and light rail)
Real Estate
Vending Machine Route Men
Vet (Small Animal/Office only)
Self Employed (Refer to introduction to DIR under
benefit amount heading, page 26) Warden - fire, fish, game or prison
Retail (in store)
Welfare Worker (office only) (60% of income,
maximum of $1,500) Route driver (local) (snack/bread/produce)
Welfare Worker (field duties)
Sales (no door-to-door or party sales)
Window Washer (Cleaners over 2 stories)
X-ray tech
Security Guard (Evenings or Armed)
Zoo - office only
Security System Installer or Responder
Zoo Employee (other than office)
Sheet Metal Employee
Sky Marshal
Slaughter House (workers around live animals)
Social Worker (office only) (60% of income, maximum YES
of $1,500)
Social Worker/Welfare Worker/Case Worker any
field duties
Structural Metal/Iron worker of any kind
Teacher (60% of income, maximum of $1,500)
Tile Setter (other than floor)
Tow Truck Driver
Travel Agent
Underground Mine Workers
FIELD UNDERWRITING GUIDELINES If taking for heart condition, may be substandard standard to substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard standard to substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard usually substandard If taking for heart condition, may be substandard FIELD UNDERWRITING GUIDELINES If taking for heart condition, may be substandard usually substandard usually substandard If taking for heart condition, may be substandard usually substandard If taking for heart condition, may be substandard usually substandard FIELD UNDERWRITING GUIDELINES If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard usually substandard If taking for rheumatoid arthritis, usually up to table 6 If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard If taking for heart condition, may be substandard FIELD UNDERWRITING GUIDELINES If taking for heart condition, may be substandard usually substandard standard to substandard If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. usually substandard usually substandard usually substandard FIELD UNDERWRITING GUIDELINES If taking for heart condition, may be substandard. usually substandard usually substandard If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. usually substandard usually substandard If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. If taking for heart condition, may be substandard. Vinblastine Sulfate Vincristine Sulfate If taking for heart condition, may be substandard. usually substandard FIELD UNDERWRITING GUIDELINES This information is intended to be a guide to assist you in understanding the underwriting process for the Critical IllnessRider of the Home Mortgage Series product from Americo. Although this policy is a simplified issue policy, an underwriterwill utilize several tools in order to properly assess the insurability of your clients. These tools include an application,medical information bureau (MIB), and possibly an attending physician statement (APS). Remember that this life insurancepolicy has up to four substandard tables acceptable as a standard policy, but the Critical Illness Rider is underwrittenseparately and requires a different set of parameters for evaluation. The first thing you will want to evaluate is the history of the individual. Has the individual had any history of heart attack,stroke, or cancer, etc.? If so, then you will not want to consider them for coverage. Then you will want to look at thequestions on the application to see if the applicant answered "yes" to any of the questions. If they answer "yes" to any ofthe questions, it does not automatically lead to a declination. It simply means that they will be given individualconsideration from an underwriter to evaluate the situation further. If the individual is a diabetic, the underwriters will typically lean towards a decline, but will consider the severity of thediabetes. The reason for this is simply the result of uncontrolled diabetes and its effects that could lead to heart attack,stroke, cancer, blindness, and other issues that would be a trigger for a payout under this policy. Underwriters are taking a much harder look at family history today than ever before. This is due to the geneticpredisposition of individuals from their parents. Underwriters are looking for cancer and heart problems prior to age 60. Ifboth parents suffered from an illness such as heart attack, stroke, or cancer prior to age 60, then the likelihood ofoccurrence in the individual is extremely high, and therefore would result in tighter scrutiny by the underwriter. If you have a client that you feel is borderline with the underwriting criteria, we encourage you to call the underwritingdepartment at Americo for a risk appraisal. The underwriting department will be able to give you an educated answer basedon the information you are able to supply to them. The number you need to call for a risk appraisal is 800.231.0801.
FIELD UNDERWRITING GUIDELINES Agent Collected Saliva . . . . . . . . . . 3/5 Agent Contact Center . . . . . . Inside Cover Mailing Address . . . . . . . . . Inside Cover Application Submission . . . . . Inside Cover/2 Maine Residents Medical Requirements . . . . 3 Aviation Questionnaire . . . . . . . . . . . 6 Medical Impairment Guidelines Aviation Risks - Preferred. . . . . . . . . 10 Combination Impairments . . . . . . 21-25 Disability Income Rider Impairments . . 28-34 Beneficiaries/Insurable Interest . . . . . . . 7 Single Impairments . . . . . . . . 12-20 Medical Information Bureau (MIB) . . . . . . 6 Medical Requirements . . . . . . . . . . . 3 New Business Processing . . . . . . . . . 2 Claims information . . . . . . . . Inside Cover Occupational Guidelines . . . . . . . . 35-38 Combination Impairment Guide . . . . . 21-25 Paramedical Facilities . . . . . . . . . . . 4 CRL-Clinical Reference Lab. . . . . . . . . 4 Personal Income Limits . . . . . . . . . . 8 Critical Illness Rider Guidelines . . . . . . . 44 Customer Service Information . . . Inside Cover Preferred Underwriting . . . . . . . . . 9-11 Disability Income Rider . . . . . . . . . 26-33 Annual Earned Income . . . . . . . . 26 General Criteria/Information. . . . . . 9-10 Minimum Medical Requirements . . . . 3/9 Non-nicotine Definition . . . . . . . . . 9 Prequalify for Preferred . . . . . . . . . 9 Employment History . . . . . . . . . 26 Prescription Drug Guide . . . . . . . . 39-43 Fulltime Employment. . . . . . . . . 26 Impairment Guide. . . . . . . . . 28-34 Quick Underwriting Guide . . . . . . . . . 3-4 Income Verification . . . . . . . . . . 27 Sales Support. . . . . . . . . . Inside Cover Saliva Testing Information . . . . . . . . . 4-5 Occupation Guide . . . . . . . . . 35-39 Other Disability Income in force . . . . . 27 Previous Disability . . . . . . . . . . 27 Single Medical Impairment Guide . . . . . 12-20 Fully Underwritten Life HMS (Regular Mortgage) Fax Numbers . . . . . . . . . . Inside cover Sport Activity Questionnaire . . . . . . . . . 6 Submitting the Application . . . . . . . . . 2 Financial Underwriting Guidelines . . . . . . 7 Substitiuting Medical Requirements . . . . . . 5 Foreign Nationals/Foreign Travel . . . . . . . 7 Supply Orders . . . . . . . . . Inside Cover Foreign Residence and Travel . . . . . . . . 7 Health Changes during Underwriting . . . . . 6 Teleunderwriting Companies . . . . . . . . 4 Impairment Guide - Life. . . . . . . . . 12-20 Underwriting the Application . . . . . . . . 6-7 Underwriting Questions . . . . . . Inside Cover Insurable interest/Beneficiaries . . . . . . . 7 Underwriting Questionnaires . . . . . . . . 27 Introduction to Disability Income Rider . . . 26-27 Underwriting Quick Guides . . . . . . . . 3-4 Juvenile Insurance Limits . . . . . . . . . . 8 FIELD UNDERWRITING GUIDELINES AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY For Americo Agent Use Only

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