TERM & UNIVERSAL LIFE GUIDELINES

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1 DISEASE Aids HIV ALS Lou Gehrigs Disease Aneurysm Cancer Diabetes Hepatitis Kidney Failure Home Easy Term Easy U.L. Safe Shield Strong Smart U.L. Term last 7 treated in last 7 Diagonosed prior to 35 or using insulin: last Treated within 5 WITH PILLS: Ages 1829 & Ages 3039 more than 6 years & Ages 4049 more than 16 WITH INSULIN: Ages 1849 & Ages 5059 more than 6 years & Ages 6065 more than 2 last Cerebral, Aortic, or Orthoracic: Treated in last 10 Treated with insulin: See Diabetes Build Chart. Hep A Recovered: Diabetes prior to age 50 years old: 50 and older: last treated in last 5yrs: 2 or more separate occurences: Under age 30: Hep B or C If chronic: last Treated in last Using insulin in the last last Liver Disease last Lupus Discoid: Systemic: Diagnosed less than 5 years with meds: Discoid: Systemic: Discoid: Systemic: Discoid: Systemic: In the last 5 years for systemic: Organ Transplant

2 RESPRITORY Asthma Home Easy Term Easy U.L. If mild: If hospitalized, last 12 mos, steriod use, tobacco use: Black Lung If treated : Bronchitis Chronic: Safe Shield Mild: Smoker: If treated : Strong Smart U.L. Mild: Moderate if 50lbs lighter than weight chart: If treated : Chronic: If treated : Chronic: If hospitalized more than 10 days in last 12 mos: If treated : Term last C.O.P.D. If mild: If smoker or oral the steroids in last 12 mos: Cystic Fibrosis Emphesema Smoker: If mild:. If smoker or oral steroids in last 12 mos: the the Oxygen Smoker: Pneumonia Sleep Apnia

3 MENTAL Alzheimer's Anxiety BiPolar Depression Dementia Parkinson's Schizophrenia Stress Home Easy Term Easy U.L. 2 meds or more: 2 meds or more: 2 meds or more: Safe Shield Strong Smart U.L. last If mild and controlled: If hospitalized because of, last last If mild and controlled: If hodpitalized because of, 3 or more meds or hospitalized in last 2 3 or more meds or hospitalized in last 2 3 or more meds or hospitalized in last 2 last If mild: Severe: last If mild and controlled: If hodpitalized because of, 3 or more meds or hospitalized in last 2 Term the the the the

4 DIGESTIVE SYSTEM Home Easy Term Easy U.L. Safe Shield Strong Smart U.L. Term Acid Reflux Heart Burn Crohn's Gastric ByPass Diagnosed prior to 20 years old or last 1 year: Surgery in last 12 mos: If no flareup in last 3 More than 5 yrs in remission: Within 1 year: Surgery in last 6 mos: Sarcoidosis Ulcerative Colitis If pulmonary: Diagnosed prior to 20 years old or last 1 year: the last 10 years for Pulmonary: If no flareup in last 3 If pulmonary: If localized, nonpulmonary: Severe: Mild:

5 SKELETAL SYSTEM Arthritis Amputation Home Easy Term Easy Rheumatoid U.L. severe: Caused by disease: Safe Shield Rheumatoid severe: If due to diabetes: Strong Smart U.L. Rheumatoid severe: Caused by disease: Term Unless treated with: Enbrel, Remicade, or Humira: Last 2 Fibromyalgia Pain Medications No depression and working full time: Walker / Wheelchair / Cane Permanent use of walker / wheelchair or scooter: Permanent use If usage in last of walker / wheelchair or scooter: 12 months:

6 CIRCULATORY SYSTEM AFIB (Atrial Fibrillation) Angioplasty / Stent Blood Pressure Circulatory Surgery Congestive Heart Failure Home Easy Term Easy U.L. last 7 Safe Shield 3 or more medications to control: Strong Smart U.L. If weight is 50 lbs under limit on chart: Last 10 years if hospitalized: If diagnosed over 2 years ago & current age 50 years or older: 4 or more meds to control: Term Treatment or occurred last 5 Occurance or treated in Irregular Heart Beat Heart Attack Heart Surgery Pace Maker / Defibrillater If treated ever last 7 with meds: Stroke

7 LIFESTYLE ISSUES Page 1 of 2 Alcohol Treatment Home Easy Term Easy If in the U.L. last 4 Safe Shield Strong Smart U.L. Term Had treatment in the Aviation Commercial: Student Pilot: If minor: In last 2 years, if minor: Within last 2 years or in the next 2 If currently or plan to be: Citizenship Private Pilot more than 100 solo hours: See "Citizenship Questionnaire" for requirement Need: permanent U.S. resident card or holding permanent Visa & S.S. # See "Citizenship Questionnaire" for acceptance If not, must complete the "Foreign National Questionnaire" Permanent resident or green card holder: Declined for Life Insurance Disabled Receiving disability payments: If for maternity or for skeletal system: With explanation of status: If declined in last 2 Driving Record Drug Abuse Treatment D.U.I. (Driving Under Influence) 3 moving violations in last 3 4 If in last 3 3 or more moving violations in last 3 5 years used or been treated: If in last 3 Last 5 years, had 4 or more moving violations: One D.U.I. in last 12 mos or 2 D.U.I.s in last 5 Last 5 years, 4 or more moving violations or a wreckless driving conviction: Used or convicted of possesion in last If in last Drug use in last 12 months or drug treatment, If in

8 LIFESTYLE ISSUES Page 2 of 2 Extreme Sports Felony Home Easy Term If in last 3 Safe Shield If minor or frequent: If in Strong Smart U.L. In last 2 years, if minor: one year or in jail in last one year: If in the next 2yrs Motor sports racing, Boat racing, Sky diving, Hang gliding, Base jumping, Rock mountain climbing: If in last 10 Mountain climbing, Auto racing, Motor boat racing, Scuba more than 100ft or 10 dives per year: If in last Term If currently or plan to be: If in last License Suspended / Revoked Marijuana Currently suspended or revoked: If illegal in their state, see "Drug Abuse" License suspended or revoked in last 3 See D.U.I. driving record. Smoker rate Awaiting felony: If suspended or revoked for reckless driving or 4 or more moving violations in the If illegal in their state, see "Drug Abuse" If within last 5 If illegal in their state, see "Drug Abuse" Parole If in last 6 months: If in last 3 If in last 1 If currently: Currently on parole from felony: Probation If within the last 6 months: If in last 3 If in last 1 If currently:

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