Southwest Service Life Insurance Company

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Southwest Service Life Insurance Company UNDERWRITING GUIDE 2/2012 95587v1Proof.indd 1

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Acne A A A ADD A A A Addison s Disease D A D AIDS, ARC, HIV Infection D D D Alcoholism/Alcohol Abuse or Misuse D IC D Allergies (seasonal) A A A Alopecia A A A Alzheimer s Disease D D D Anal Fissure MR A A Anemia Aplastic D IC IC HeParamolytic D IC IC Iron Deficiency Mild, single occurrence within one year MR A A over one year A A A chronic or recurrent IC IC IC Pernicious D D D Sickle Cell D D D Aneurysm within one year D IC D *over one year and operated MR A IC 1 95587v1Proof.indd 4

Angina Pectoris MR A IC Aphasia MR IC D Arteriosclerosis MR A IC Arthritis Osteoarthritis MR A A Rheumatoid MR A A Asbestosis MR D IC Asthma MR A A Atheroma MR A IC Atrial Fibrillation MR A IC Atrial Septal Defect Unoperated D A D *Operated IC A IC Back Injury or Surgery Unoperated MR A IC *Operated IC A A Back Sprain/Strain Within 2 years MR A A Over 2 years IC A A Bell s Palsy IC IC IC 2 95587v1Proof.indd 5

Bipolar Disorder D A IC Breast Implants MR A A Bronchitis Acute A A A Chronic Mild to Moderate MR A A Severe D D D Buerger s Disease D A IC Cancer (Malignant) Internal Within 2 years D D D Over 2 years MR D IC Skin MR IC A Candidosis (Thrush) A A A Carotid Endarterectomy Within one year D A D *Over one year MR A IC Carpal Tunnel Syndrome Cataract *Operated Within one year MR A A Over one year A A A 3 95587v1Proof.indd 6

Cerebral Embolism, Hemorrhage, or Thrombosis Within one year D D D *Over one year MR A IC Cerebral Palsy D D D Cholecystitis & Cholelithiasis Chronic Fatigue Syndrome A A A Chronic Obstructive Pulmonary Disease... (see Emphysema) Chorea, Huntington s D D D Cirrhosis of Liver D D D Cleft Palate Club Foot Colitis Spastic MR A A Ulcerative D IC IC 4 95587v1Proof.indd 7

Crohn s Disease D IC IC Cystic Disease Breast MR IC A Kidney D D D Ovary MR IC A Cystic Fibrosis D D D Cystitis Acute A A A Chronic MR A A Interstitial MR A A Cystocele Detached Retina Within 3 years MR A A *Over 3 years A A A Deviated Septum Diabetes Mellitus Excellent control with diet or oral medication and no other health factors (TYPE 2) MR A A All others and/or insulin required (TYPE 1) D D D 5 95587v1Proof.indd 8

Disc Disease (Spinal) *Operated IC A A Diverticulitis & Diverticulosis MR A A Down s Syndrome D D D Drug Abuse or Addiction D IC D Duodenal Ulcer Single Episode Within 2 years MR A A Over 2 years IC A A Multiple Episodes Within 5 years MR A A Over 5 years IC A A Emphysema Mild to Moderate MR D IC Severe to Disabling (on Oxygen) D D D Endometriosis *Operated Within 2 years MR A A Over 2 years A A A Epilepsy MR A IC Esophageal Stricture/Spasm MR A A Fibrocystic Breast Disease A IC A 6 95587v1Proof.indd 9

Fibromyalgia A A A Gastric Ulcer (See Duodenal Ulcer)... GERD MR IC A Glaucoma MR A A Gout MR A A Grave s Disease MR IC A Hayfever Mild, Seasonal A A A Moderate A A A Chronic IC A A Heart Attack Within one year D A D *Over one year MR A IC Heart Bypass Surgery Within one year D A D *Over one year MR A IC Heart Murmur IC A IC Hemophilia D D D Hemorrhoids 7 95587v1Proof.indd 10

Hepatitis Acute, Infectious IC A IC Chronic or Recurrent (Hepatitis C) D A D Hernia (any type) *Operated Within one year MR A A Over one year A A A Herpes Zoster A A A Hydrocele Hydrocephalus D A IC Hypercholesterolemia / Hyperlipidemia MR A A Hyperglycemia (see Diabetes)... Hypertension (HBP) MR A A Hypoglycemia (see Diabetes)... Hypothyroidism / Hyperthryoidism A A A Impetigo A A A Incontinence IC A A Intestinal Obstruction MR A A Irritable Bowel Syndrome MR A A 8 95587v1Proof.indd 11

Kaposi s Sarcoma D D D Kidney Stone(s) Stone present IC A A Stone passed or removed Single attack Within 5 years IC A A Over 5 years IC A A Multiple attacks IC A A Knee, Cartilage Injury Right Knee Left Knee Both Knees Unoperated MR MR MR A A *Operated Within 2 years MR MR MR A A Over 2 years A A A A A Liver Abscess Within 5 years MR IC IC Over 5 years A A A Lupus Erythematosus Discoid MR A A Disseminated or Systemic D D IC Lyme disease MR IC IC Manic-Depression D A D Meniere s Disease or Syndrome MR A A Meningitis Within one year MR A A *Over one year A A A Mental or Nervous Disease or Disorder (all forms) D A IC 9 95587v1Proof.indd 12

Mental Retardation D D D Migraine Headaches Acute A A A Chronic MR A A Mitral Valve Prolapse MR A A Multiple Myeloma D D D Multiple Sclerosis D D D Muscular Dystrophy D D D Myasthenia Gravis MR A A Myocardial Infarction (see Heart Attack)... Narcolepsy MR A IC Osteomyletis Mild MR A A Severe or Recurrent MR A A Osteoporosis MR A A Otitis Media Acute A A A Chronic or Recurrent MR A A 10 95587v1Proof.indd 13

Pacemaker Implantation Within one year D A D *Over one year MR A D Pancreatic Cyst Unoperated D D D *Operated Within 5 years MR IC IC Over 5 years A A A Pancreatitis Acute Within 5 years MR A A Over 5 years A A A Chronic or Recurrent D D D Paralysis Hemiplegia D A D Paraplegia D A D Quadriplegia D A D *Poliomyelitis IC A IC Parkinson s Disease D D D Pelvic Inflammatory Disease Peptic Ulcer Disease (see Duodenal Ulcer)... 11 95587v1Proof.indd 14

Pericarditis Single Attack Within 2 years MR A IC Over 2 years IC A A Recurrent IC A D Peripheral Vascular Disease MR A IC Phlebitis MR A A Pleurisy A A A Pneumothorax Traumatic A A A Spontaneous Single Attack IC A A Multiple Attacks MR A IC Polycythemia D IC D Psoriasis A A A Polyp (Benign) Unoperated MR D A *Operated Within 3 years MR A A Over 3 years A A A 12 95587v1Proof.indd 15

Prostate Hypertrophy (Benign) Unoperated MR IC A *Operated Within 3 years MR A A Over 3 years A A A Prostatitis Acute A A A Chronic or Recurrent MR IC A Psychoneurosis, Psychosis D D D Pulmonary Embolism or Infarction Within one year D D D *Over one year MR A IC Pulmonary Fibrosis D D D Pyloric Stenosis *Operated Within one year MR A A Over one year A A A Raynaud s Disease or Syndrome D A IC Rectocele Renal Failure D D D 13 95587v1Proof.indd 16

Renal Insufficiency IC IC IC Sarcoidosis D D D Schizophrenia D D D Scoliosis MR A A Seizure Disorder MR A IC Skin Cancer All except Melanoma A D A Melanoma Within 2 years D D D Over 2 years MR D IC Sinusitis Mild A A A Chronic or Recurrent MR A A Spina Bifida Under age 18 D A A Over age 18 MR A A Strabismus Stroke (Cerebrovascular Accident) Within one year D D D *Over one year MR A D 14 95587v1Proof.indd 17

Tachycardia MR A IC Thyroid A A A Tuberculosis Active D D D *Arrested Within one year D IC IC One to five years MR IC IC Over five years (no treatment) A A A Tumor Benign Unoperated MR D IC *Operated IC IC IC Malignant (see Cancer) Urethral Stricture Varicose Veins Ventricular Septal Defect Unoperated D A IC *Operated IC A IC 15 95587v1Proof.indd 18

Southwest Service Life Insurance Company Height MALES Underweight Decline HEIGHT & WEIGHT GUIDLINES Overweight Decline 4 7 78 189 4 8 81 191 4 9 82 195 4 10 83 199 4 11 85 202 5 0 88 208 5 1 88 211 5 2 90 216 5 3 92 222 5 4 93 228 5 5 95 233 5 6 96 239 5 7 97 244 5 8 99 251 5 9 100 257 5 10 102 265 5 11 103 271 6 0 105 276 6 1 108 284 6 2 110 289 6 3 113 296 6 4 116 303 6 5 119 311 6 6 123 320 6 7 125 329 6 8 130 339 6 9 133 349 6 10 137 358 6 11 140 369 Height FEMALES Underweight Decline Overweight Decline 4 7 67 179 4 8 68 182 4 9 69 185 4 10 70 189 4 11 72 194 5 0 74 197 5 1 75 201 5 2 76 206 5 3 78 210 5 4 81 218 5 5 83 223 5 6 85 230 5 7 87 237 5 8 89 242 5 9 91 248 5 10 94 253 5 11 97 261 6 0 99 266 6 1 102 272 6 2 104 277 6 3 106 283 6 4 108 289 6 5 111 296 6 6 113 304 6 7 115 310 6 8 118 318 6 9 120 323 6 10 123 330 6 11 125 338 Our New Height & Weight Chart Effective Immediately February 1st. 2012 95587v1Proof.indd 19

Southwest Service Life Insurance Company Height MALES Underweight Decline HEIGHT & WEIGHT GUIDLINES Overweight Decline 4 7 78 189 4 8 81 191 4 9 82 195 4 10 83 199 4 11 85 202 5 0 88 208 5 1 88 211 5 2 90 216 5 3 92 222 5 4 93 228 5 5 95 233 5 6 96 239 5 7 97 244 5 8 99 251 5 9 100 257 5 10 102 265 5 11 103 271 6 0 105 276 6 1 108 284 6 2 110 289 6 3 113 296 6 4 116 303 6 5 119 311 6 6 123 320 6 7 125 329 6 8 130 339 6 9 133 349 6 10 137 358 6 11 140 369 Height FEMALES Underweight Decline Overweight Decline 4 7 67 179 4 8 68 182 4 9 69 185 4 10 70 189 4 11 72 194 5 0 74 197 5 1 75 201 5 2 76 206 5 3 78 210 5 4 81 218 5 5 83 223 5 6 85 230 5 7 87 237 5 8 89 242 5 9 91 248 5 10 94 253 5 11 97 261 6 0 99 266 6 1 102 272 6 2 104 277 6 3 106 283 6 4 108 289 6 5 111 296 6 6 113 304 6 7 115 310 6 8 118 318 6 9 120 323 6 10 123 330 6 11 125 338 Our New Height & Weight Chart Effective Immediately February 1st. 2012 95587v1Proof.indd 20

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