Important Notice PAGEREF _Toc171933066 \h 2
Employer Underwriting Guidelines 4
Eligible Employers (for all Group products) 4
Eligible Employees and Dependents 4
Guaranteed Issue Underwriting 5
Simplified Issue Underwriting 5
Guaranteed Issue Underwriting Parameters 7
Simplified Issue Underwriting Parameters 8
Replacement and Takeover Case Guidelines 8
Revisions to this Underwriting Guide 9