Employer Underwriting Basis

Employer Size	Health Product Underwriting Basis
Employer Size	Accident Expense	Critical Illness	Hospital Indemnity	Short-Term Disability Income
3-9 Eligible Employees	Guaranteed Issue (Employee/Spouse/Child)	Simplified Issue (Employee/Spouse/Child)	Simplified Issue (Employee/Spouse/Child)	Simplified Issue (Employee Only)
10 or More Eligible Employees	Guaranteed Issue (Employee/Spouse/Child)	Guaranteed Issue (Employee/Spouse/Child)	Guaranteed Issue (Employee/Spouse/Child)	Guaranteed Issue (Employee Only)
10 or More Eligible Employees	Guaranteed Issue (Employee/Spouse/Child)	Maximum GI Coverage Limit • Employee: $30,000 • Spouse: 50% of employee amount; maximum of $15,000 • Child: 25% of employee amount; maximum of $7,500	Guaranteed Issue (Employee/Spouse/Child)	Maximum GI Coverage Limit • Lesser of 60% of gross weekly income or $1,000 per week

Group Whole Life Employee Issue Limits

(maximum allowable for certificate and term rider combined)

Volume Purchase

Employer Size

Issue Ages

Underwriting Basis

Guaranteed Issue

Simplified Issue

3 – 9 eligible employees

18-60

N/A

$30,000

61+

N/A

$10,000

10 – 49 eligible employees

18-60

$25,000

$50,000

61+

$10,000

$20,000

50 – 99 eligible employees

18-60

$50,000

$100,000

61+

$15,000

$30,000

100 – 999 eligible employees

18-60

$75,000

$150,000

61+

$20,000

$50,000

1,000+ eligible employees

18-60

$100,000

$200,000

61+

$25,000

$75,000

Money Purchase

Employer Size

Underwriting Basis

Guaranteed Issue

Simplified Issue

3 – 9 eligible employees

N/A

$10/week up to $50,000

10 – 49 eligible employees

$10/week up to $50,000

$15/week up to $75,000

50 – 99 eligible employees

$15/week up to $75,000

$18/week up to $100,000

100 – 999 eligible employees

$18/week up to $100,000

$22/week up to $150,000

1,000+ eligible employees

$22/week up to $150,000

$30/week up to $200,000

Group Whole Life Eligible Dependent Issue Limits

(for spouse, maximum allowable for certificate and term rider combined)

Volume Purchase

Employer Size

Underwriting Basis

Insured

Conditional
Guaranteed Issue

Simplified Issue

3 – 9 eligible employees

Spouse*

N/A

$30,000

Child / Grandchild*

$10,000

N/A

10+ eligible employees

Spouse*

$25,000

$50,000

Child / Grandchild*

$25,000

N/A

Money Purchase

Employer Size

Underwriting Basis

Insured

Conditional
Guaranteed Issue

Simplified Issue

3 – 9 eligible employees

Spouse*

N/A

$10/week up to $30,000

Child / Grandchild*

$2.50/week up to $10,000

N/A

10+ eligible employees

Spouse*

$10/week up to $25,000

$10/week up to $50,000

Child / Grandchild*

$2.50/week up to $25,000

N/A

*Not to exceed employee benefit amount selected

Group Term Life Employee Issue Limits

Volume Purchase

Employer Size

Issue Ages

Underwriting Basis

Guaranteed Issue

Simplified Issue

3 – 9 eligible employees

18-60

N/A

$50,000

61+

N/A

$25,000

10 – 99 eligible employees

18-60

$100,000

$150,000

61+

$50,000

$75,000

100+ eligible employees

18-60

$150,000

$250,000

61+

$75,000

$125,000