LIFE UNDERWRITING GUIDELINES

AETNA

ANTHEM BLUE CROSS

Guaranteed

Issue Amount 2–9 employees: $20,000_{10–50 employees: $200,000} 2–9 enrolled: $30,000_{10–24 enrolled: $50,000} 25–50 enrolled: $100,000 Flat 2–9 Employees: $10,000, $15,000, $20,000 or $50,000 10–50 Employees: $10,000, $15,000, $20,000, $25,000, $30,000, $50,000, $75,000, $100,000, $125,000, $150,000, $175,000, or $200,000. 2–9 Employees: $25,000, $30,000 or $50,000 10–19 Employees: $25,000, $30,000, $50,000 or $100,000 20–50 Employees: $25,000 to $300,000

Salary 2–9 Employees: Not available.

10–50 Employees: 1 times or 2 times salary (rounded to next higher $1,000)

2–9 Employees: 1 times annual salary. Minimum benefit of $25,000 & maximum benefit up to $100,000.

10–50 Employees: 1 or 2 times annual salary; all employees must have the same schedule. Minimum benefit of $25,000 & maximum benefit of:

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10–50 Employees: Up to 3 classes allowed with a minimum of 3 enrolled in each class. Benefit amount of the highest class cannot be more than 5 times the amount of the lowest class.

2–19 Employees: Not available.

20–50 Employees: Up to 2 classes allowed. $25,000 to $300,000 available; select amounts in increments of $1,000. Must have at least one employee in each class. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class. Dependent

Life 2–9 Employees: Not available._{10–50 Employees: $5,000 spouse, $2,000 child.} $10,000 Option_{$10,000 spouse & each child, $1,000 for child under 6 months.} $5,000 Option

$5,000 spouse & each child, $500 for child under 6 months. Age Reduction

Schedule 65% at age 65._{40% at age 70.} 25% at age 75.

Other options available for groups of 10-50.

35% at age 65. 50% at age 70.

ELIGIBILITY

Group Size 2–50. 2–50.

Stand-Alone 2–25: Must be sold alongside medical or dental. 26-50: Available standalone.

Yes.

Admin Fee None. None.

Contribution 2–9 Employees: 100%

10–50 Employees: Minimum 50% (excluding optional dependent life)

Minimum 25%.

Participation 2–9 Employees: 100% and a minimum of 2 enrolled.

10–50 Employees: 75% of eligible. If 100% employer paid, then 100% participation required.

Minimum 75%. If 100% employer paid, then 100% participation required.

CALIFORNIACHOICE

_{CHOICE BUILDER}

_{HEALTH NET}

Guaranteed

Issue Amount 2–10 employees: $25,000_{11–25 employees: $50,000} 26–50 employees: $75,000 2–10 employees: $25,000 11–25 employees: $50,000 26–199 employees: $75,000 2–14 eligible: $15,000 15–24 eligible: $25,000 25–50 eligible: $50,000 Effective January 2016: 2–14 eligible: $15,000 15–24 eligible: $25,000 25–100 eligible: $50,000 Flat From $10,000 up to $75,000 in $5,000

increments based on group size. From $10,000 up to $75,000 in $5,000 increments based on group size. 2–14 eligible: $15,00015–24 eligible: $15,000 or $25,000 25–50 eligible: $15,000, $25,000 or $50,000 Effective January 2016: 2–14 eligible: $15,000 15–24 eligible: $15,000 or $25,000 25–100 eligible: $15,000, $25,000 or $50,000

Salary Not available Not available Not available.

Job Class Up to 4 classes allowed. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class.

Up to 4 classes allowed. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class.

Not available.

Dependent

Life Not available. Not available. Not available.

Age Reduction

Schedule 30% at age 70._{60% at age 75.} 30% at age 70._{60% at age 75.} 65% at age 65. 50% at age 70. ELIGIBILITY

Group Size 2–50. 2–199. DE-9C not required. 2–50. Some industries are ineligible.

2–9 eligible: no more than 25% of employees may be 60 or older.

Effective January 2016: 2–100 eligible and enrolled, based on FTE count (full-time equivalents).

Stand-Alone No. No, must be offered alongside dental. 2–9 eligible: Must be alongside medical.

10+ eligible: Yes.

Admin Fee None. Fee based on group size:

2-8 employees: $20 per month. 9-20 employees: $25 per month. 21+ employees: $30 per month.

If group is enrolling alongside CalChoice, the CalChoice admin fee will be waived.

None.

Contribution Minimum 100%. Minimum 100%. 2–9 eligible: 100%

10+ eligible: Minimum 50% Participation 100% participation required. 100% participation required. 2–9 eligible: 100%.

10+ eligible: Minimum 75%. If 100% employer paid, then 100% participation required.

METLIFE 2–50

METLIFE 51–499

Guaranteed

Issue Amount Basic: $50,000_{Supplemental: $50,000 employee.} Groups with Prior Coverage_{Amount varies} Groups with No Prior Coverage 50+ employees: $100,000 Flat Basic: $10,000, $20,000, $15,000, $25,000 or $50,000

Supplemental: Available in increments of $10,000 to a $500,000 maximum.

Basic Term Life

Employer Sponsored: Minimum $5,000 in increments of $5,000. Voluntary: Minimum $10,000 in increments of $5,000.

Core Buy-Up Life

Minimum $20,000. Increments of $1,000. Employee Buy-Up minimum $10,000

Salary 10–14 lives: 1x Salary up to $50,000, $75,000, or $100,000. 15–24 lives: 1x Salary up to $50,000, $75,000, or $100,000, or $150,000. 2x Salary up to $150,000.

25–50 lives: 1x Salary up to $50,000, $75,000, or $100,000, or $150,000. 2x Salary up to $150,000 or $250,000.

Basic Term Life

1x, 1.5x, 2x, 2.5x, 3x, 3.5x, 4x and 5x Salary. 8x Salary available when combined with Supplemental Term Life.

Core Buy-Up Life

1x, 1.5x, 2x, 2.5x, 3x Salary to $500,000

Job Class Not available. Available.

Dependent

Life Spouse: 50% of the employee amounts up to $100,000 (in increments of $5,000) Child: 50% of the employee amount up to $10,000 maximum. Available in amounts of $1,000, $2,000, $4,000, $5,000, and $10,000.

Dependent Term Life is only available with Basic Term Life. Retirees are not eligible. Spouse benefit cannot exceed 50% of the employee’s Basic Term Life benefit. Child benefit cannot exceed spouse’s benefit.

Age Reduction

Schedule 35% at age 65._{50% at age 70.} 65% of original coverage amount at age 65, 50% of original coverage amount at age 70. Other options available.

ELIGIBILITY

Group Size Basic Life/AD&D: 2–50.

Supplemental Life/AD&D (includes Dependent life): 10–50 eligible. Must be in business at least 1 year prior to the effective date of the coverage.

Groups with < 10 EEs, no more than 75% of the group can be family members (spouses, siblings, children, and parents). DE-9C will be required groups with > 50% family members.

Groups with < 25 EEs will be declined if any employee age is 75+. Industries that must be quoted direct: 4512-4581

Excluded Industries: 8811, 9999.

Excluded Employees: retirees, part-time, temporary, seasonal, leased, independent contractors (1099s), pilots and elected officials.

51–499. All products must be custom quoted.

Stand-Alone Basic: 2–9 must be sold alongside dental.

Supplemental (includes Dependent life): Available with 10+ eligible and must be sold alongside Basic Life. Groups of 5–9 enrolled must also be sold alongside dental.

Yes.

Admin Fee None. None.

Contribution Basic: 100% Employer contribution. Basic Term Life

Minimum 25%. Core Buy-Up Life

100% non-contributory only. Employee Buy-up plans are 100% employee paid.

Participation Basic: 100% of eligible.

Supplemental: 25% with a minimum of 5 enrolled.

Basic Term Life & Dependent Life

Minimum 75%. If 100% employer paid, then 100% participation required.

Core Buy-Up Life

100% non-contributory only. Employee Buy-up plans have no participation requirement.

All information published herein is gathered from sources which are thought to be reliable, but the reader should not assume

that the information is official or final. Reliance on this information received from LISI shall be at your sole risk, and LISI assumes

no responsibility for any errors, omissions, or damages arising. Users of this information are encouraged to confirm with other

sources, and to seek qualified advice if embarking on any actions that could carry personal or organizational liabilities.

PRINCIPAL LIFE

RELIANCE STANDARD

PRODUCT OFFERINGS Guaranteed

Issue Amount 3–9 employees: $50,000 when submitting Field Underwriting questions and accepted by underwriting. 10–19 employees: $100,000 20–29 employees: $125,000 30–99 employees: $100,000 2–5 enrolled: $50,000 6–9 enrolled: $75,000 10–19 enrolled: $100,000

Flat From $15,000 to $750,000 in $1,000 increments for all employees. From $10,000 to $200,000 in $1,000 increments.

Salary Up to 5 times salary up to $750,000. 1x or 2x salary up to $200,000.

Job Class Will do legitimate job classes. Can do salary/hourly or management/

non-management, etc. Must have 2 employees enrolled in each class.

Dependent

Life Spouse Voluntary Life_{Employer option of $1,000, $5,000, $10,000 or $25,000. Not to} exceed 50% or 100% of employee benefit.

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Based on group size, employer may select between 1-5 options ranging from $2,000–$25,000. Not to exceed 50% or 100% of employee benefits; must be same % elected for spouse benefit). $1,000 benefit for children < 14 days

Not available.

Age Reduction Schedule

35% at age 70. 20% at age 75.

Additional options available.

50% at age 70.

ELIGIBILITY

Group Size 3–99. Must be in business at least 1 year to qualify for Life coverage. SmartChoice 2–19. Firms with employees residing on employer’s premises are ineligible. Some industries are ineligible.

Stand-Alone 3–4 enrolling: Must be written alongside another Principal Life product.

5+ enrolling: Yes.

Yes.

Admin Fee None. $5 per month for electronic billing, or $12 per month for paper billing.

(Groups enrolling in dental must elect paper billing)

Contribution Minimum of 50% Employer may contribute from 0-100% of the premium.

Participation Minimum 75%. If 100% employer paid, then 100% participation

required. 2 eligible: 100% of eligible._{3–5 eligible: All but one must enroll.} 6–9 eligible: All but two must enroll. 10–19 eligible: 75% must enroll.

Part-time EEs working 20-30 hours/week may be included if less than 25% of total eligible.

If employer contributes 100% then 100% participation is required. Carve-outs permitted, must have 2 employees enrolled within a class.

UNITEDHEALTHCARE

UNUM THROUGH COPOWER

Guaranteed

Issue Amount 2–5 employees: $25,000 _{6–19 employees: $50,000} 20–50 employees: $100,000 51–99 employees: $175,000 Supplemental Employee Life & AD&D: 10–50 employees: $30,000 51–99 employees: $80,000

Basic Life and AD&D 2–9 lives: $25,000 10+ lives: $150,000

Employee Voluntary Life and AD&D 2–9 lives: $10,000

10–49 lives: $30,000 50–249 lives: $80,000

Voluntary Life and AD&D: Spouse: $10,000. Child: $6,000 Flat 2–5 eligible: $15,000–$50,000 in $5,000 increments

6–19 eligible: $15,000–$175,000 in $5,000 increments 20–50 eligible: $15,000–$250,000 in $5,000 increments 51–99 eligible: $15,000–$350,000 in $5,000 increments Supplemental Employee Life & AD&D

Flat increments of $25,000, not to exceed plan maximums

Basic Life and AD&D

2–9 lives: $10,000, $15,000 $20,000 or $25,000 as determined by the Employer.

10+ lives: $10,000, $15,000, $20,000, $25,000, $50,000, $100,000 or $150,000 as determined by the Employer. Employee Voluntary Life and AD&D

Available in increments of $10,000. Maximum amount is the lesser of $250,000 or 5x earnings.

Salary 2–5 eligible: 1x or 2x salary up to $50,000

6–19 eligible: 1x or 2x salary up to $50,000, $100,000 or $175,000 20–50 eligible: 1x or 2x salary up to $50,000, $100,000, $175,000 or $250,000

51–99 eligible: 1x or 2x salary up to $50,000, $100,000, $175,000, $250,000 or $350,000

Supplemental Employee Life & AD&D 1x or 2x salary not to exceed plan maximums: • 10–19 eligible: $100,000

• 20–50 eligible: $200,000 • 51–99 eligible: $300,000

Not available.

Job Class Not available. Allowed for group of 10+ employees. Classes include hourly, salaried,

management, non-management, etc.

Limit of 5 classes with a minimum of 3 employees per class

The highest class will have no more than 2x’s the benefit of the lowest class +$10K with a maximum of $100,000.

Dependent Life Basic Dependent Life

• Spouse $2,000, Child $1,000 • Spouse $4,000, Child $2,000 • Spouse $7,500, Child $3,750 Supplemental Dependent Life • Spouse $10,000 or $20,000 • Child $5,000 or $10,000

Guarantee Issue: Spouse $20,000, Child $10,000

Spouse Voluntary Life and AD&D

Available in increments of $5,000. Maximum amount is the lesser of $250,000 or 100% of employees voluntary life amount.

Child Voluntary Life and AD&D $6,000 option. Birth to age 26.

Age Reduction

Schedule 65% at age 65._{50% at age 70.} 65% at age 70._{50% at age 75.} ELIGIBILITY

Group Size 6–99. Supplemental Life available for groups with 10+ eligible

employees. 2–249. Groups currently enrolled with Unum Life are not eligible for coverage through CoPower. Stand-Alone Groups of 2–5 must be sold alongside medical.

Supplemental Life must be sold alongside Basic Life.

Yes.

Admin Fee None. $10 admin fee per month per group.

Contribution Non-contributory: 100% Contributory: Minimum 25%

Basic Life and AD&D: 100% Employer Paid Voluntary Life and AD&D: 100% EE Paid Participation Non-contributory: 100%

Contributory: Minimum 75%

Supplemental EE Life & AD&D: Min 25%

Basic Life and AD&D: 100% Voluntary Life and AD&D: 0%