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UNDERWRITING CLASSIFICATIONS Preferred Plus NT Available at face amounts of $250,000 and over No tobacco use for previous 4 years Blood pressure, build, cholesterol and PSA levels within limits outlined in underwriting tables HDL/cholesterol ratio of 5.0 or less for ages 20-69; 6.0 or less for ages 70+ No family history of cardiovascular, cancer, diabetes or kidney disease deaths under age 60; for age 70 or older, at least one parent survived to age 70 No history of chronic or recurring mental illness or depression in past 10 years; and no history of drug or alcohol treatment No private aviation or ratable avocations/occupations No more than 1 moving vehicle violation or DWI/DUI in past 5 years No ratable medical impairments; no personal history of cancer (except non-melanoma skin cancer Preferred NT Available face amount of $100,000 and over No tobacco use for past 2 years Blood pressure 150/90 or less with no current treatment Build and PSA levels within limits outlined in the underwriting tables Cholesterol of 240 or less not treated for ages 20-54, cholesterol more than 100 and less than 260 for ages 55-69, with HDL/cholesterol ratio 6.0 or less; cholesterol more than 100 and less than 280 for age 70 or higher, with HDL/cholesterol ratio 6.5 or less No family history of cardiovascular, caner or diabetes occurrence or death prior to age 60 No history of chronic or recurring mental illness or depression in past 10 years and no history of drug or alcohol treatment No private aviation or ratable avocations/occupations No more than 2 moving vehicle violations or DWI/DUI in past 5 years Non-Smoker Available at all face amounts No cigarette use for past 1 year (other tobacco use is acceptable) Non-tobacco users who do not qualify for Preferred NT All applicants under age 20 Standard Available for all face amounts Cigarette smokers only "ESP" - Expanded Standard Program Return to Life Insurance Product List

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