CReactive Protein and Information in CAD

1
The Legal General America Companies
2
Legal General America

• Underwriting Improvements

As of October 1, 2006
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Routine APS Requirements
Before
Now
All Ages - APS may be requested at the discretion
of the underwriter. Refer to page 11 (page 5 on
website version) of our Underwriting Guidelines
and Requirements Brochure for conditions that
always require an APS.
4
Routine APS Requirements
Before
Now
All Ages - APS may be requested at the discretion
of the underwriter. Refer to page 11 (page 5 on
website version) of our Underwriting Guidelines
and Requirements Brochure for conditions that
always require an APS.
5
Routine APS Requirements
Before
Now
All Ages - APS may be requested at the discretion
of the underwriter. Refer to page 11 (page 5 on
website version) of our Underwriting Guidelines
and Requirements Brochure for conditions that
always require an APS.
6
Routine APS Requirements
Before
Now
All Ages - APS may be requested at the discretion
of the underwriter. Refer to page 11 (page 5 on
website version) of our Underwriting Guidelines
and Requirements Brochure for conditions that
always require an APS.
7
Routine APS Requirements
Current
All Ages - APS may be requested at the discretion
of the underwriter. Refer to page 11 (page 5 on
website version) of our Underwriting Guidelines
and Requirements Brochure for conditions that
always require an APS.
8
Treadmill Electrocardiograms

• Before
• Required for face amounts of 2M-3M, ages61
  and older
• Required for face amounts of more than 3M, ages
  51 and older

• Now
• Only required for amounts exceeding 5M (all
  ages) or for cause at underwriters discretion

9
Asthma

• Before
• Not eligible for preferred plus non-tobacco
  class

• Now
• May be depending on date of onset, duration,
  severity and response to treatment

10
Elevated Liver Function Tests

• Before
• Not eligible for preferred plus non-tobacco class

• Now
• May be depending on date of onset, duration,
  severity and response to treatment

11
LGA Underwriting Improvements

• Additional APS ordering must have senior
  underwriting sign-off

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Legal General America

• Financial Underwriting

As of October 1, 2006
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Personal Insurance

• Before
• Ages Factor x Income
• 20-30 10-15
• 31-40 15-20
• 41-50 10-15
• 51-55 5-10
• 56-65 5-10
• 66-70 1-4
• 71 1-4

• Now
• Ages Factor x Income
• 20- 30 25
• 31-40 25
• 41-50 20
• 51-55 15
• 56-65 10
• 66-70 5
• 71 Individual Consideration

14
Dependent Spouse Coverage

• Before
• Data Required
• How the amount was determined
• Income of working spouse
• Amount of insurance in force and applied for on
  working spouse

• Now
• Factor
• Up to S1M, provided working spouse has at least
  same amount
• Over 1M individual consideration
• Data Required
• Income of working spouse
• Amount of insurance in force and applied for on
  working spouse

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Third-Party Verified Financials

• Before
• Required for amount 3M and over on personal and
  business applicants

• Now
• Required for amount over 5M on personal and
  business applicants

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Legal General America

• Underwriting Advantages

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Blood Pressure Criteria
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Tobacco Use Criteria
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Occasional Cigar Use

• No more than one per month
• Clean home office specimen

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Cholesterol Criteria
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Driving History Criteria

• No more than 2 moving violations in last 3 years.
  No DWI, DUI, reckless driving, license revocation
  or suspension in last 5 years

22
Favorable Underwriting

• CAD risk (overall excellent management of risk
  factors and cardiovascular follow-up at regular
  intervals)
• Type II diabetes (good to excellent control for
  at least 12-18 months judged by blood work and
  urinalysis and APS review)
• Depression (one medication, no adverse features
  including disability or hospitalization for
  psych reasons)
• Prostate cancer (subject to age at diagnosis,
  type of treatment and current PSA level)

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Quick Quotes

• Banner Life email address
• TeamQuickQuotes_at_LGAmerica.com
• William Penn email address QuickQuotesTeam_at_LGAme
  rica.com
• No more than 5 pages

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Underwriting Results

• Based on early results, weve seen
• Substantial reduction in APS orders
• Majority of rated cases are issued off Standard
  Plus underwriting class
• Significant time-service improvements

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Underwriting Philosophy

• Underwriters communication goal is to be more
  sales oriented
• Underwriters always look to offer best possible
  class