HERMANN SONS LIFE MEDICAL UNDERWRITING REQUIREMENTS

KEY:

A: Prescription Check

B: Prescription Check & Attending Physician Statement

C: Prescription Check, APS, Paramedical Exam, Urine & Blood

D: Prescription Check, APS, Paramedical Exam, Urine, Blood & Telephone Interview

E: Prescription Check, APS, Paramedical Exam, Urine, Blood, Telephone Interview, EKG & MVR

(*): NT-proBNP included in Blood

(**C): Required if PREFERRED RATES are requested -- Prescription Check, APS, Paramedical Exam, Urine & Blood

IMPORTANT NOTES:

UNDERWRITER MAY REQUEST ANY REQUIREMENTS DEEMED NECESSARY REGARDLESS OF AGE OR FACE AMOUNT. REQUIREMENTS ARE BASED ON THE TOTAL AMOUNT OF INSURANCE IN FORCE PLUS AMOUNTS APPLIED FOR.

NEWBORN PLANS CANNOT BE WRITTEN UNTIL AFTER THE CHILD HAS BEEN RELEASED FROM THE HOSPITAL.

Effective: 09/15/2020

Products Not Available For Conversion

RT-99 ........ Renewable Term To Age 99 (Premium goes up every 4 years. At age 83 premium goes up every year. Coverage ends at age 99.)

RT-120 ...... Renewable Term To Age 120 (Premium goes up every 4 years. At age 80 premium goes up every year. Coverage ends at age 120.)

The reason these products do not have the term conversion privilege is because of the length of their term, which provides coverage throughout the life of the insured. Conversion to Whole Life therefore may not be necessary.

** Can convert to Whole Life until the Anniversary Date of the certificate before the insured turns age _____ . **