Whole Life Insurance (Rapid Decision and Fully Underwritten)

Field Guide to Medical Risks

Whole Life Insurance (Rapid Decision and Fully Underwritten)

Note: These are general underwriting guidelines. Please submit an application for our Underwriting Department to assess properly. Gerber Life Insurance is a trademark. Used under license from Soci?t? des Produits Nestl? S.A. and Gerber Products Company

MRFG-WL (0919)

Prescreening Questions........................................................................................................... 1 Ineligible Employment Answers.............................................................................................. 1 Eligible Employment answers.................................................................................................. 1 Ineligible Medical Conditions for Coverage........................................................................... 1 Ineligible Drugs for Coverage...............................................................................................1-4 Required Information............................................................................................................... 4 Basic Selection Criteria............................................................................................................ 5 Types of Risk Evaluated........................................................................................................... 5 Approval/In Good Order Criteria............................................................................................ 5 Driving History ? Motor Vehicle Report (MVR)..................................................................... 5 Select Criteria for Preferred Class.......................................................................................... 6 Additional Underwriting Rules.............................................................................................6-8 Gerber Life's Underwriting-- Whole Life............................................................................... 8 Financial Justification.............................................................................................................. 9 Family Income..........................................................................................................................10

Prescreening Questions

Is there anything in your health history that I should be aware of such as:

? Cancer

? TIA

? Heart attack

? Alcohol or Drug Abuse

? Stroke

? Height & Weight

Do not write GLTL/WL if the applicant: ? Has or had a DUI/DWI within the last 24 months ? Has had a felony conviction, on parole or probation, incarcerated, or has current charges pending

High risk activities such as scuba diving, piloting, sky diving will not be considered.

Ineligible Employment Answers

The following list contains answers that will not be considered for eligible applications. ? Unemployed ? Disabled ? Receiving Public assistance ? Incarcerated

Eligible Employment answers

To be eligible to apply, you must be one of the below: ? Actively employed ? Retired ? Full time student ? Homemaker ? Stay at home parent

Ineligible Medical Conditions for Coverage

The following list contains conditions that are not covered under this plan. This is not an all-inclusive list. ? Alzheimer's ? Dementia ? Central Nervous System disease or disorder

Ineligible Drugs for Coverage

This list contains drugs, each independent of any other drug, that will cause a decline for an applicant's case if they are taking any of these drugs. Absence of any of these drugs does not guarantee an approval.

Note: These are general underwriting guidelines. Please submit an application for our Underwriting Department to assess properly. 1

Brand Name ACETYL L-CARNITINE ADEMPAS ADVATE ADYNOVATE AFSTYLA ALPROLIX AMPYRA ANAGRELIDE HYDROCHLORIDE ANORO ELLIPTA ATGAM AUBAGIO AURYXIA AUSTEDO AUTOPLEX T BENEFIX BENLYSTA BETASERON BEVESPI AEROSPHERE CALCIUM ACETATE CESAMET CLOZAPINE COAGADEX COGNEX COPAXONE CORIFACT CORLANOR CUROSURF CYSTAGON DALIRESP DONEPEZIL HCL DOPTELET DRONABINOL DROXIA ELOCTATE ENDARI ERGOLOID MESYLATES ESBRIET EXELON FIBRYGA FOSRENOL GALANTAMINE HYDROBROMIDE ER GILENYA GRANIX HECTOROL HEMLIBRA HEMOFIL M HUMATE-P HYATE:C ANTIHEMOPHILIC FA

Generic Drug Name Acetylcarnitine HCl Riociguat Antihemophilic Factor rAHF-PFM Antihemophilic Factor (Recombinant) Pegylated Antihemophilic Factor (Recombinant) Single Chain Coagulation Factor IX (Recomb) Fc Fusion Protein (rFIXFc) Dalfampridine Anagrelide HCl Umeclidinium-Vilanterol Lymphocyte Immune Globulin,Anti-Thymocyte Globulin (Equine) Teriflunomide Ferric Citrate Deutetrabenazine Antiinhibitor Coagulant Complex Coagulation Factor IX (Recombinant) Belimumab Interferon Beta-1b Glycopyrrolate-Formoterol Fumarate Calcium Acetate (Phosphate Binder) Nabilone Clozapine Coagulation Factor X (Human) Tacrine Hydrochloride Glatiramer Acetate Factor XIII Concentrate (Human) Ivabradine HCl Poractant Alfa Cysteamine Bitartrate Roflumilast Donepezil Hydrochloride Avatrombopag Maleate Dronabinol Hydroxyurea (Sickle Cell Anemia) Antihemophilic Factor (Recomb) Fc Fusion Protein (rFVIIIFc) Glutamine (Sickle Cell) Ergoloid Mesylates Pirfenidone Rivastigmine Fibrinogen Concentrate (Human) Lanthanum Carbonate Galantamine Hydrobromide Fingolimod HCl Tbo-Filgrastim Doxercalciferol Emicizumab-kxwh Antihemophilic Factor (Human) Antihemophilic Factor/von Willebrand Factor Complex (Human) Antihemophilic Factor (Porcine)

Note: These are general underwriting guidelines. Please submit an application for our Underwriting Department to assess properly. 2

Brand Name HYDROXYUREA IDELVION INFASURF INGREZZA KALYDECO KCENTRA KOGENATE FS LEMTRADA LETAIRIS LEUKINE METHADONE HCL MONONINE NAMENDA NAMZARIC NEULASTA NEUMEGA NEUPOGEN NOVOSEVEN RT NPLATE NUEDEXTA NUWIQ OBIZUR OCREVUS OFEV OPSUMIT ORENITRAM ORKAMBI ORTHOCLONE OKT3 PARSABIV PLEGRIDY PROFILNINE PROMACTA PULMOZYME RA VITAMIN B-1 RADICAVA RAPAMUNE RAYALDEE REBIF REBINYN REMODULIN RENAGEL RENVELA REVLIMID RILUZOLE RIVASTIGMINE TARTRATE SCLEROSOL INTRAPLEURAL SENSIPAR

Generic Drug Name Hydroxyurea Coagulation Factor IX Recomb Albumin Fusion Protein (rIX-FP) Calfactant in NaCl Valbenazine Tosylate Ivacaftor Prothrombin Complex Concentrate Human Antihemophilic Factor (Recombinant) Alemtuzumab (MS) Ambrisentan Sargramostim Methadone HCl Coagulation Factor IX Memantine HCl Memantine HCl-Donepezil HCl Pegfilgrastim Oprelvekin Filgrastim Coagulation Factor VIIa (Recombinant) Romiplostim Dextromethorphan HBr-Quinidine Sulfate Antihemophilic Factor (Recomb B-Domain Deleted) (BDD-rFVIII) Antihemophilic Factor (Recombinant Porcine) (rpFVIII) Ocrelizumab Nintedanib Esylate Macitentan Treprostinil Diolamine Lumacaftor-Ivacaftor Muromonab CD3 Etelcalcetide HCl Peginterferon Beta-1a Factor IX Complex Eltrombopag Olamine Dornase Alfa Thiamine Mononitrate Edaravone Sirolimus Calcifediol Interferon Beta-1a Coagulation Factor IX (Recombinant) Glycopegylated Treprostinil Sodium Sevelamer HCl Sevelamer Carbonate Lenalidomide Riluzole Rivastigmine Tartrate Talc (Intrapleural) Cinacalcet HCl

Note: These are general underwriting guidelines. Please submit an application for our Underwriting Department to assess properly. 3

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