Rapid Decision Lifefrom Fidelity Life Association

Agent Guide

Term...at the Speed of Life!

Product, Underwriting and Selling Guide

Issue LimitsBuild Chart

Prescription GuideMedical HistoryLifestyle HistoryForeign TravelDriving RecordPharmacy Guide

Financial JustificationApplication approvalsUnderwriting process

HEIGHT

TERM PERIOD ISSUE AGES

AGE

MIN TIER 1

NON-NICOTINE MINIMUM

EARNED INCOME

TIER 2

UNEARNED INCOME

TIER 3

NICOTINE MAXIMUM

4’ 8” 83 150 179 202

10 Year 18 - 6518 - 65 $50,00018 - 65 $1,000,000*†

20 - 30 30x 3x

5’ 8” 123 216 263 296

5’ 2” 102 180 219 246

STUDENT COVERAGE MAX

6’ 2” 146 256 312 351

4’ 11” 93 165 198 223

30 Year

*Issue limit - Age 50: $50K to $900K†Issue limits - Ages 18–44: $50K to $690K; Age 45: $50K to $640K

*Issue limits for Non-Nicotine user 30-year term - Age 50: $50K to $900K; Nicotine user 30-year term - Ages 18 – 44: $50K to $690K; Age 45: $50K to $640K.†The total combined amount of coverage available with all FLAproducts is $1,000,000

18 - 50* 18 - 45†

51 - 65 15x 3x

5’ 11” 134 236 287 323

5’ 5” 112 198 240 270

6’ 5” 158 277 337 380

6’ 8” 170 300 364 410

4’ 9” 86 155 185 208

15 Year 18 - 65 18 - 65

31 - 40 25x 3x

5’ 9” 127 223 271 305

5’ 3” 106 186 226 254

HS - $100K COLLEGE - $200K POST GRAD - $300K

6’ 3” 150 263 320 360

5’ 0” 96 170 205 230

UNEMPLOYED SPOUSES MAY HAVE 100% OF EMPLOYED SPOUSE UP TO $300K & 50% OF EMPLOYED SPOUSE OVER $300K

Unearned Income = SSI Benefits, Disability Benefits, Welfare, VA Disability

6’ 0” 138 243 295 332

5’ 6” 116 204 248 279

6’ 6” 162 285 346 389

6’ 9” 175 309 373 420

4’ 10” 90 160 191 215

20 Year 18 - 60 18 - 60

41 - 50 20x 3x

5’ 10” 130 229 279 314

5’ 4” 109 192 233 262

Earned Income = Employed Wages or Pension

6’ 4” 154 270 329 370

5’ 1” 99 175 212 238

6’ 1” 142 249 303 341

5’ 7” 119 210 255 287

6’ 7” 166 292 355 399

6’ 10” 179 318 383 430

BUILD CHART

RAPID DECISION LIFE - AGENT PRODUCT GUIDE

ISSUE AGES BY TERM PERIOD ISSUE LIMITS

FINANCIAL JUSTIFICATION

Term...at the Speed of Life!

MEDICATION TIER 1 TIER 2 TIER 3

2 BP & 1 Cholesterol N Y Y

1 Anxiety/Dep & 1 Sleep Aid

Blood Platelet (Plavix)

N

N

Y

N

Y

Y

2 BP & 2 Cholesterol N Y Y

2 Cholesterol & 1 BP N Y Y

2 Asthma (non steroid)

Narcotic Pain (Daily)

N

N

Y

Y

Y

Y

1 Anxiety/Dep, 1 BP, 1 Chol N Y Y

3 BP or Cholesterol N Y Y

Blood Thinner (Coumadin)

Methadone treatment

N

N

IC

IC

Y

IC

2 Anxiety/Dep (no anti psych) N Y Y

PRESCRIPTION UW GUIDE

NON VALID LICENSE FOR FOLLOWING REASONS ARE IC

The following states cannot have adverse actions taken for foreign travel

CHILD SUPPORT

CALIFORNIA

CONNECTICUT

COLORADO

FLORIDA

GEORGIA

ILLINOIS

MASSACHUSETTS

MARYLAND

MISSOURI

NEW JERSEY

NEW YORK

TENNESSEE

OKLAHOMA

WASHINGTON

NO INSURANCE

1. Approved As Applied For: Client will be issued new policy pages full coverage-no further documents needed by client2. Counteroffer: Client is approved pending premium tolerance & possible APS--delivery requirements involved must be accepted within 30 days of

medical decision3. Uninsurable: Due to medical exam/APS client will remain at split coverage--no further documents needed by client

NEVER HAD A LICENSE JUST MOVED

For applicants up to age 50, applying for up to $500K, approved preferred (Tier 1) there could be enough data for UW to waive the need for medical underwriting and offer 100% “all inclusive” death benefit in initial approval.

PARKING TICKETS EXPIRED TAG/LICENSE

COURT COSTS OUTSTANDING EMISSIONS TESTING

IF LICENSE FROM OTHER THAN RESIDENT STATE - NEED EXPLANATION

FOREIGN TRAVEL

LIFESTYLE HISTORY GUIDELINES

PENDING THE RESULTS OF THE EXAM - THERE ARE 3 POTENTIAL OUTCOMES

APPLICATION APPROVALS AND UW DECISIONS

When initially quoting, give the cost for the full amount of coverage they are requesting as offered by Fidelity Life Association – an “A” rated carrier that been around since 1896. For example: $500K/20 year term for a male age 35 at a preferred health rate class is $38 monthly.

Once interested/agreed upon, go into Rapid App and start filling out the application. Explain how Fidelity Life can provide coverage quickly (within 24-48 hours) with a convenient online application and UW process and once approved and covered, will follow up to schedule an exam and medically underwrite individuals to maximize their coverage.

Explain the initial coverage as a benefit in having protection right away, paying the full death benefit amount (i.e. $500K) in the event of accidental death and paying a specific portion (i.e. $150K) in the event of death by natural causes such as a Heart Attack, Stroke or any other health related cause.

Get affirmation from the customer that they are in good health and this type of coverage is statistically the most probable of happening prior to them taking their exam.

Be simple, clear, and brief when explaining what happens to their coverage after the exam. “If everything with your health is like we discussed then once Fidelity has the final approval, all of your insurance will be converted to “all-inclusive” which includes all medical and accidental death and the total amount of coverage (i.e. $500K) would be paid to their beneficiary.”

It is recommended to set the expectation of the exam immediately. The sooner they complete exam, sooner all cause coverage can be issued.

DRIVING HISTORY 0-2 YR 2-5 YR 5-8 YR 8-10 YR

DUI/DWI

Reckless Driving

License Suspended/Revoked

Ages 16 - 59 N/A Tier 3 Tier 2 Tier 2

Ages 16 - 59 Tier 3

Tier 2

Tier 2

Tier 1

Tier 2

OK

OK

OK

Ages 16 - 59 Tier 3 Tier 2 Tier 2 Tier 2

Ages 60+ N/A Tier 3 Tier 2 OK

Ages 60+

Ages 60+ Tier 2 Tier 2 Tier 2 Tier 2

DRIVING RECORD

MEDICAL HISTORY ADDITIONAL CLARIFICATIONADD & ADHD

DIABETES TYPE 1-INSULIN DEPENDENT

CAD- MILD INSUFFICIENCY/STENOSIS/ REGURG

ARTHRITIS-OSTEO

DISABILITY (PERMANENT)

HEPATITIS A (FULLY RECOVERED)

COLON POLYPS-BENIGN

ANXIETY/DEPRESSION MILD (NO TREATMENT W/IN 2 YR)

DIABETES TYPE 2 W/ TOBACCO

CANCER-BASAL CELL

ASTHMA W/ TOBACCO USE (MILD ONLY)

GERD

HYPERTENSION W/ PROTEINURIA

CROHN’S MILD/MOD 2 YRS NO SYMPTOMS

ANEMIA

DIABETES TYPE 2- W/ GOOD A1C 50+ YEARS

CAD-HEART MURMUR, GRADE 1-2 (TREATMENT)

ASHTMA (MILD NO HOSPITALIZATIONS)

FIBROMYALGIA/CHRONIC PAIN (MILD)

HERPES(GENITAL)

COPD-EMPHYSEMA MODERATE

ANXIETY/DEPRESSION MILD W/PSYCH OVER 5 YEARS

DIABETES-GESTATIONAL

CEREBRAL PALSY

ALCOHOL & DRUG ABUSE/DEPENDENCE

DIABETES TYPE 1-INSULIN DEPENDENT W/ TOBACCO

CAD-ANGIOPLASTY, STENT

ARTHRITIS-RHUMATOID OR PSORIATIC

FAMILY HISTORY (MORE THAN 1 DEATH)

HERPES (ORAL)

COPD-EMPHYSEMA MILD

ANXIETY/DEPRESSION MILD W/PSYCH W/IN 5 YEARS

DIABETES TYPE 2 W/ PROTEINURIA OR COMPLICATIONS

CANCER-SQUAMOUS CELL

ANXIETY/DEPRESSION MILD (W/IN 2 YEARS)

DIABETES TYPE 2- W/GOOD CONTROL BELOW AGE 40

CAD-MYOCARDIAL INFARCTION

ASHTMA(MODERATE & NO HOSPITALIZATIONS)

FIBROMYALGIA/CHRONIC PAIN (MODERATE)

HYPERTENSION W/ GOOD CONTROL

COPD-SARCOIDOSIS, LOCALIZED NON PULMONARY1YR+ RECOVERED

BPH OR PROSTATIS (AFTER 6 MO. OF TREATMENT)

DIVERTICULOSIS, DIVERTICULITIS & IBS

ANXIETY/DEPRESSION ANTI PSYCHOTIC MEDS

DIABETES & SLEEP APNEA, NEUROPATHY OR DI

GOUT-NO ALCOHOL OR LIVER PROBLEM

CHOLESTEROL-CURRENT TREATMENT

1-2 MEDICATIONS BY PCP

MUST ONLY BE DUE TO IRON DEFICIENCY

BASED ON A1C & OTHER IMPAIRMENTS

MUST ONLY BE DUE TO IRON DEFICIENCY

45+ YEARS OLD AFTER 6 MONTHS, MILD (1-3 VESSELS LESS THAN 40% BLOCKAGE) NO BYPASS, NO TOBACCO, NORMAL BP & CHOL & REGULAR CARDIAC FOLLOW UP WITH NO PROGRESSION OF CAD

LESS THAN WEEKLY, BRIEF EPISODES, INHALER

NO DISABILITY OR IMPAIRMENTS MILD MEDS

NO TREATMENT & NEGATIVE HIV

CAD, CANCER, DIABETES PRIOR TO AGE 60

CHECK FINANCIAL JUSTIFICATION

MILD-MOD DYSPNEA ON EXERTION W/O REST

NO STEROIDS PAST 2 YEARS

MILD/NO SYMPTOMS & NO TOBACCO

CURRENT USE OR ELEVATED LFT’S IS DECLINE

NO DISABILTY, HOSPITAL, ANTI PSYCH

SYMPTOMS MORE THAN 3X A WEEK, 2+ MEDS

MODERATE-SOME DISABILITY & NARCOTIC MEDS

NO PSYCH OR TRTMNT IN PAST 5 YEARS

Medical History GuidelinesTIER 1 TIER 3

NO

NO

YES

NO

NO

YES

YES

NO

YES

YES

NO

NO

NO

NO

NO

NO

YES

NO

YES

YES

IC

YES

YES

YES

YES

NO

NO

NO

NO

NO

YES

YES

YES

NO

NO

IC

YES

YES

YES

YES

NO

YES

NO

NO

YES

NO

YES

YES

YES

YES

YES

YES

YES

YES

NO

NO

YES

NO

YES

YES

YES

YES

YES

YES

YES

YES

YES

NO

NO

NO

NO

NO

YES

NO

YES

NO

NO

NO

YES

NO

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

NO

TIER 2YES

NO

NO

YES

YES

NO

YES

NO

NO

IC

YES

YES

YES

YES

NO

NO

NO

NO

YES

YES

YES

NO

YES

YES

YES

YES

NO

YES

IC

YES

YES

YES

YES

YES

NO

NO

YES

NO

IC

YES

NO

YES

YES

NO

YES

YES

YES

MEDICAL HISTORY ADDITIONAL CLARIFICATIONHYPOTHYROIDISM

SEIZURES-GRAND MAL/FOCAL/PARTIAL W/ CONTROL

MITRAL VALVE PROLAPSE W/TREATMENT

KIDNEY STONES

TIA

PARKINSONS

INSOMNIA W/ MILD TREATMENT

SLEEP APNEA MODERATE/SEVERE

NARCOLEPSY MILD NO TREATMENT

MEDICAL DECLINE BY ANOTHER CARRIER W/IN 5 YEARS

ULCERATIVE COLITIS

VASCULAR DISEASE + HTN OR CHOL

HYPERTHYROIDISM W/ TREATMENT

SLEEP APNEA MILD & UNDER CONTROL

MULTIPLE SCLEROSIS

LUPUS (SLE)

TOBACCO

VASCULAR DISEASE DVT NO SURGERY

WEIGHT LOSS SURGERY W/ NO COMPLICATIONS

KIDNEY DISEASE (CHRONIC)

SLEEP APNEA W/ TOBACCO & OR RATED BUILD

PANCREATITIS

SEIZURES-PETIT MAL

MITRAL VALVE PROLAPSE NO TREATMENT

NO RENAL FAILURE OR DIALYSIS--INCLUDES POLYCYS-TIC KIDNEY DISEASE, & NEPHROTIC SYNDROME

AI 21-40 & RDI 31-50

1 EPISODE, CAUSE UNKNOWN 2+ YEARS

NO USE WITHIN 12-24 MONTHS

6+ MONTHS NO TREATMENTS & NO COMPLICATION

AFTER 6 MONTHS

MILD NO DISTAL COLON/RECTAL 1+YEAR DIAGNOSE

MILD AI 5-20 & RDI 10-30

IF NO EPISODE, HOSPTAL W/IN 2 YEARS & CURRENT TREATMENT

NO TREAMENT OR EPISODES W/IN 3 YEARS

TIER 1 TIER 2 TIER 3YES

NO

NO

NO

NO

YES

YES

NO

YES

NO

YES

YES

NO

YES

YES

NO

NO

NO

NO

NO

NO

YES

YES

NO

NO

NO

NO

YES

YES

YES

YES

YES

YES

YES

NO

NO

YES

YES

YES

YES

YES

YES

YES

NO

NO

YES

NO

NO

YES

YES

NO

NO

NO

NO

NO

NO

NO

NO

NO

YES

YES

YES

NO

NO

YES

NO

YES

YES

YES

NO

NO

YES

DO NOT SUBMIT APPLICATION IF CLIENT TREATED OR MEDICATED FOR FOLLOWING CONDITIONS IN PAST 10 YEARS

ALCOHOL/DRUG TRTEATMENT (OK AFTR 5 YRS)

ALS/LOU GEHRIG’S

ALZHEIMERS/DEMENTIA

ANEURYSM

ANGINA/ATRIAL FIBRILATION

ARRHTYHMIA

AUTISM

CANCER

CARDIAC BYPASS/STENT

CARDIOMYOPATHY

CEREBRAL PALSY

CONGESTIVE HEART DISEASE

COPD/EMPHYSEMA (SEVERE)

CROHN’S DISEASE/ULCERATIVE COLITIS (LESS

THAN 2 YRS SINCE LAST SYMPTOMS)

CYSTIC FIBROSIS

DEFIBRILATOR/PACEMAKER

DIABETES+CARDIOVASCULAR

DOWN’S SYNDROME

HEPATITIS (OTHER THAN A)

HIV/AIDS

KIDNEY DISEASE

LEUKEMIA

LIVER DISEASE

LUPUS (SLE)

MALIGNANT NEOPLASM/LYMPHOMA

MENTAL ILLNESS/BIPOLAR

MITRAL VALVE PROLAPSE WITH TREATMENT

MUSCULAR SCLERORSIS

PARKINSON’S DISEASE

SEIZURES-GRAND MAL/PARTIAL/FOCAL (WITH ONLY

MODERATE CONTROL)

STROKE OR TIA’S

PANCREATITIS

ULCERATIVE COLITIS W/IN 2 YEARS

DRUG NAME DRUG NAMEKEY KEYIF PRESCRIBED FOR IF PRESCRIBED FORABILIFY COZAAR

ARIMIDEX EVISTA

BENZACLIN JUNEL FE

ALDARA DIOVAN/ HCT

AVANDAMET GLYCOLAX

CHANTIX LEVAQUIN

ACTOS DETROL LA

ASMANEX FOCALIN XR

CADUET LAMICTAL

AMBIEN/ AMBIEN CR ENDOCET

AVAIANE HYZAAR

COMBIVENT LEVOXYL

ACTONEL CYMBLATA

ARTHROTEC FLOVENT HFA

BUDEPRION SR/XL KEPPRA

ALPHAGAN P ELIDEL

AVAPRO HUMALOG

CIPRODEX OTIC LEVORA

ADVAIR DIGITEK

ATACAND GEODON

CELEBREX LANTUS

APRI ESTROSTEP FE

BACTROBAN JANTOVEN

COREG/COREG CR LIPITOR

COUMADIN TABS LOTREL

ACIPHEX CRESTOR

ARMOUR THYROID FLOMAX

BONIVA KARIVA

ALLEGRA-D EFFEXOR XR

AVANDIA GUAIFENEX PSE

CIALIS LEVITRA

ADDERALL XR DIFFERIN

ASTELIN FOSAMAX/ PLUS D

CATAPRES-TTS LANOXIN

ANDROGEL EPIPEN

AVODART IMITREX ORAL

CONCERTA LEXAPRO

ACTOPLUS MET DEPAKOTE/ER

ASACOL FLUZONE

BYETTA KLOR-CON

ALTACE ENABLEX

AVELOX HUMULIN

CLARINEX LEVOTHYROID

AGGRENOX DILANTIN

AVALIDE GLIPIZIDE XL

CERON-DM LESCOL XL

ARICEPT ETHEDENT

BENICAR/BENICAR HCT JANUVIA

COSOPT LOESTRIL 24 FE

SCHIZOPHRENIA/BI POLAR HTN

BREAST CANCER OSTEOPOROSIS

TOPICAL CREAM CONTRACEPTIVE

TOPICAL CREAM HTN

DIABETES CONSTIPATION

SMOKING CESSATION ANTIBIOTIC

DIABETES INCONTINENCE

ASTHMA ADHD-NOT BY A PSYCH

HTN, CHOLESTEROL SEIZURES

SLEEP AID PAIN

CONTRACEPTIVE HTN

COPD HYPOTHYROID

OSTEROARTHRITIS, PAGET’S DEPRESSION, ANXIETY, NEUROPATHY

ARTHRITIS ASTHMA

DEPRESSION SEIZURES

GLAUCOMA TOPICAL CREAM

HTN DIABETES

ANTIBIOTIC CONTRACEPTIVE

ASTHMA/ COPD CHF

HTN ANTI-PSYCH

OSTEROARTHRITIS DIABETES

CONTRACEPTIVE CONTRACEPTIVE

SINUS THROMBOSIS

HTN CHOLESTEROL

ANTICOAGULANT HTN

GERD CHOLESTEROL

HYPOTHYROID BPH

OSTEOPOROSIS CONTRACEPTIVE

ALLERGIES DEPRESSION/ANXIETY

DIABETES SINUS

ED ED

ADHD-NOT BY A PSYCH TOPICAL CREAM

SINUS OSTEOPOROSIS

HTN ABNORMAL RHYTHM

HORMONE ALLERGIES

BPH MIGRAINES

ADHD-NOT BY A PSYCH DEPRESSION/ANXIETY

DIABETES SEIZURES, MIGRAINES, BI POLAR

GASTRO FLU VACCINE

DIABETES HTN

HTN INCONTINENCE

ANTIBIOTIC DIABETES

ALLERGIES HYPOTHYROID

STROKE SEIZURE

HTN DIABETES

SINUS CHOLESTEROL

DEMENTIA/ALZHEIMERS DENTAL

HTN DIABETES

GLAUCOMA CONTRACEPTIVE

C A

C A

A A

A A

B A

A A

B A

B B

A B

A A

A A

B A

B B

A B

B B

A A

A B

A A

B C

A C

A B

A A

A B

A A

B A

A A

A A

A A

A B

B A

A A

B A

A A

A C

A A

A A

B B

B B

B A

B A

A A

A B

A A

C B

A B

A A

C A

C B

A A

PHARMACY GUIDELINES

DRUG NAME DRUG NAMEKEY KEY

KEY

PAIN MEDICATIONS

IF PRESCRIBED FOR IF PRESCRIBED FORLOVAZA VESICARE

A

TIER 1

NUVARING

SPIRIVA

MIRAPEX YASMIN 28

PROTONIX

TOPROL XL

LYRICA VYTORIN

PLAVIX

SULAR

NEXIUM ZYMAR

RESTASIS

TRINESSA

LUMIGAN VIGAMOX

C

TIER 3 to DECLINE

PATANOL

STRATTERA

NAMENDA ZOLOFT

RELPAX

TRICOR

METHYLIN XALATAN

PREVACID

TOBRADEX

NORVASC ZYRTEC

SEROQUEL

UROXATRAL

VALTREX

LOS-OGESTREL VIAGRA

B

TIER 2

OXYCONTIN

SPRINTEC

M-OXY ZETIA

PROVIGIL

TRAVATAN

METFORMIN WELLBUTRIN XL

PREMARIN

SYTHROID

NIASPAN ZYPREXA

RISPERDAL

ULTRAM ER

LUNESTA VIVELLE DOT

PAXIL CR

SUBOXONE

NASACORT/NASONEX ZOVIRAX TOPICAL

REQUIP

TRILETPAL

MICARDIS/HCT XOPENEX/HFA

PROAIR HFA

TOPAMAX

NOVOLOG

SINGULAIR

VAGIFEM

TRIGLYCERIDES INCONTINENCE

OKAY TIER 1 w/ DETAILS

Daily use of 1-2 non narc or 1 low dose narc

CONTRACEPTIVE

COPD

PARKINSONS CONTRACEPTIVE

GERD

HTN

NEUROPATHY/SEIZURES CHOLESTEROL

ANTI COAGULANT

HTN

GERD EYE INFECTION

EYE INFECTION

CONTRACEPTIVE

GLAUCOMA CONJUNCTIVITIS

NOT ACCEPTABLE FOR HYBRID

Daily use of 5+ non narc or 3+ narcotic

CONJUNCTIVITIS

ADHD-NO PSYCH

ALZHEIMERS/DEMENTIA DEPRESSION

MIGRAINES

CHOLESTEROL

ADD/NARCOLEPSY GLAUCOMA

GERD

GLAUCOMA

HTN ALLERGIES

SCHIZOPHRENIA/BI POLAR

BPH

ANTIVIRAL/HERPES

CONTRACEPTIVE ED

OKAY TIER 2 OR 3 w/ DETAILS

Daily use of 3-4 non narc or 2 narcotic

PAIN

CONTRACEPTIVE

PAIN CHOLESTEROL

NARCOLEPSY/SLEEP AID

GLAUCOMA

DIABETES DEPRESSION/SMOKING CESSATION

HORMONE

HYPOTHYROID

CHOLESTEROL SCHIZOPHRENIA/BI POLAR

SCHIZOPHRENIA/BI POLAR

PAIN

SLEEP AID HORMONE

ANXIETY

ADDICTION

ALLERGIES HERPES

PARKINSONS

SEIZURES

HTN ASTHMA

ASTHMA

SEIZURES/MIGRAINES

DIABETES

ASTHMA/ALLERGIES

ANTIBIOTIC

A A

A

B

C A

A

A

B A

B

A

A A

A

A

A A

A

B

C B

B

A

B A

A

A

A A

C

A

B

A A

A

A

A A

B

A

B B

A

A

A C

C

A

A A

B

C

A B

C

B

B B

B

B

B

A

A

New BusinessPhone: 877-704-6279Email: newbus@fidelitylife.comFax: 866-947-8735

Agent Support CenterPhone: 866-710-1013Email: sales@fidelitylife.com

Underwriting/Risk AssessmentsPhone: 866-947-8739 8am - 5pm CSTEmail: und@fidelitylife.comFax: 866-947-8734

Underwriting InterviewsPhone: 866-616-0712 8am - 4pm CSTPhone: 800-577-6011 12pm - 9pm CST