Occidental-American Amicable (AmAm)-Family Choice

Agent AI Hits: 102

Carrier: American-Amicable Life Insurance Company of Texas

Product: Family Choice

Product Types: Immediate Death Benefit, Return of Premium (ROP)

Issue Ages: 0–49 (Immediate), 18–49 (ROP)

Face Amounts: $10,000–$35,000 (Immediate), $10,000–$20,000 (ROP)

Target Market: Final Expense (younger market), simplified whole life

Carrier

American-Amicable Life Insurance Company of Texas (Family Choice Series)

Product Overview

The Family Choice Final Expense product provides permanent life insurance with simplified issue underwriting. Two plan types are available: Immediate Death Benefit, Return of Premium (ROP). All plans include a terminal illness rider and optional living benefits. The product is ideal for individuals seeking affordable, guaranteed coverage with living benefit options.

Issue Ages and Face Amounts

Immediate Plan: 0–49
Return of Premium (ROP) Plan: 18-49
Minimum Face Amount: $10,000
Maximum Immediate Face Amounts: $35,000
Maximum Return of Premium Face Amount: $20,000

Plan Types

Immediate Death Benefit
Return of Premium (ROP)

Underwriting Guidelines

Simplified issue underwriting includes a Yes/No application, MIB and RX checks, build chart validation, and potential telephone interview. No labs or exams are required. APS may be requested. Eligibility is assigned based on application responses and prescription match.

Adult Build Chart

Height	Immediate Max	ROP Max	Immediate Min	ROP Min
HT.	MAXIMUM WEIGHT FOR PLAN	MAXIMUM WEIGHT FOR PLAN	MINIMUM WEIGHT FOR PLAN	MINIMUM WEIGHT FOR PLAN
HT.	IMMEDIATE	RETURN OF PREMIUM*	IMMEDIATE	RETURN OF PREMIUM**
4’10"	211	212 - 230	92	87 - 91
4’11”	218	219 - 238	94	89 - 93
5’	225	226 - 246	96	91 - 95
5’1”	233	234 - 254	99	94 - 98
5’2”	241	242 - 262	101	96 - 100
5’3”	248	249 - 271	105	100 - 104
5’4”	256	257 - 280	107	102 - 106
5’5”	264	265 - 288	110	105 - 109
5’6”	273	274 - 297	112	107 - 111
5’7”	281	282 - 306	116	111 - 115
5’8”	289	290 - 316	119	114 - 118
5’9”	298	299 - 325	123	118 - 122
5’10”	307	308 - 335	126	121 - 125
5’11”	315	316 - 344	131	126 - 130
6’	324	325 - 354	135	130 - 134
6’1”	334	335 - 364	139	134 - 138
6’2”	343	344 - 374	142	137 - 141
6’3”	352	353 - 384	146	141 - 145
6’4”	361	362 - 394	149	144 - 148
* Above the weight on the high end of this range is a decline. ** Below the weight on low end of this range is a decline.	* Above the weight on the high end of this range is a decline. ** Below the weight on low end of this range is a decline.	* Above the weight on the high end of this range is a decline. ** Below the weight on low end of this range is a decline.	* Above the weight on the high end of this range is a decline. ** Below the weight on low end of this range is a decline.	* Above the weight on the high end of this range is a decline. ** Below the weight on low end of this range is a decline.

Juvenile Build Chart

Height	Minimum	Maximum
24″	8	23
26″	10	26
28″	13	31
30″	15	36
32″	18	40
34″	21	42
36″	23	45
38″	26	48
30″	18	40
34″	22	44
38″	26	54
42″	32	64
46″	38	78
50″	46	94
54″	56	111
58″	66	128
48″	44	92
52″	54	108
56″	63	126
60″	74	144
64″	87	166
68″	100	186
72″	113	206
76″	126	228

Medical Impairment Guide

Condition / Concern	Criteria	Plan to Apply For	Question on App
AIDS / ARC	Medically treated or diagnosed by a medical professional as having	No Coverage	1
Alcoholism / Alcohol Abuse	Within the past 24 months, abused alcohol or had, or been recommended to have, treatment or counseling for alcohol use	No Coverage	2
Amputation	Has ever had an amputation caused by disease	No Coverage	6b
Aneurysm	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Bi-Polar Disorder	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Blood Clot	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Cancer	Medically diagnosed, treated, or taken medication for internal cancer, lymphoma, melanoma or Hodgkin's Disease or history of metastatic cancer within the past 5 years	No Coverage	4
Cardiomyopathy	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Cerebral Palsy	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
Chronic Bronchitis	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Chronic Hepatitis	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
Chronic Pancreatitis	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
Chronic Obstructive Pulmonary Disease (COPD)	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Circulatory Disease	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Congestive Heart Failure (CHF)	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Connective Tissue	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Criminal Background	Convicted of any felony within the past 24 months	No Coverage	2
Crohn's Disease	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
Cystic Fibrosis	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Decline for Insurance	Declined for life insurance coverage within the past 12 months	Return of Premium	8
Diabetes	Medically diagnosed, treated, or taken medication for prior to age 21	No Coverage	5
Diagnostic Testing, Surgery, or Hospitalization	Recommended within the past 12 months by a medical professional which has not been completed or for which the results have not been received	Return of Premium	8
Disability	Prohibited from actively working full-time (30 hours or more per week) at your regular occupation due to any illness, injury, or health related problem within the past 12 months	No Coverage	3
Down Syndrome	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Driving Record	Driver's license suspended or revoked, or convicted of an alcohol/drug related infraction within the past 24 months	No Coverage	2
Drug Abuse / Addiction	Used illegal drugs or abused drugs or recommended to have treatment or counseling for drug abuse within the	No Coverage	2
Emphysema	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Heart Disease/Disorder	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Heart Valve Disease	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Hemophilia	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Hepatitis C	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
High Blood Pressure	Medically diagnosed, treated, or taken medication for prior to age 30	Return of Premium	7a
HIV	Tested positive for	No Coverage	1
Huntington's Disease	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Immune Deficiency Related Disorder	Medically treated or diagnosed by a medical professional as having	No Coverage	1
Irregular Heartbeat	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Kidney Dialysis	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Kidney Failure	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Leukemia	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Liver Disease	Medically diagnosed, treated or taken medication for	Return of Premium	7b
Liver Failure	Medically diagnosed, treated, or taken medication for liver failure	No Coverage	6b
Marfan Syndrome	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Mental Retardation	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Motor Neuron Disease	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Multiple Sclerosis (MS)	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
Muscular Dystrophy	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Neuro-Muscular Dis- ease	Medically diagnosed, treated, or taken medication for (including, but not limited to cerebral palsy, multiple sclerosis, or Parkin- son's disease)	Return of Premium	7b
Obesity	Has surgical treatment for morbid obesity within the past 12 months	Return of Premium	8
Organ Transplant	Has ever had or medically advised to have	No Coverage	6b
Paralysis	Medically diagnosed, treated, or taken medication for paralysis of 2 or more extremities	Return of Premium	7b
Renal Insufficiency	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Rheumatoid Arthritis	Medically diagnosed, treated, or taken medication for	Return of Premium	7b
Schizophrenia	Medically diagnosed, treated, or taken medication for	No Coverage	6b
Seizures	Medically diagnosed, treated, or taken medication for within the past 3 years	Return of Premium	9
Sickle Cell Anemia	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Stroke	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Systemic Lupus (SLE)	Medically diagnosed, treated, or taken medication for	No Coverage	6a
Ulcerative Colitis	Medically diagnosed, treated, or taken medication for	Return of Premium	7b

Prescription Medication Guide

Medication	Common Use	RX Fill Within	Plan Eligibility
Plan Eligibility	Abilify	Abilify	Abilify
Accupril	Accupril	Accupril	High Blood Pressure (HTN)
Accupril	CHF	CHF	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	No Coverage
See '*' Below	See '*' Below	No Coverage	No Coverage
Aceon	Aceon	Aceon	Aceon
Aceon	Aceon	CHF	CHF
Diabetes	Diabetes	N/A	N/A
N/A	N/A	See '#' Below	See '#' Below
Immediate	Immediate	Immediate	See '#' Below
Return of Premium	Aggrenox	Aggrenox	Aggrenox
Return of Premium	Aggrenox	Aggrenox	Stroke / Heart or Circulatory Disease or Disorder
Albuterol	Asthma	Asthma	N/A
COPD / Chronic Bronchitis / Emphysema	3 years	3 years	Return of Premium
N/A	See '*' Below	See '*' Below	See '*' Below
No Coverage	No Coverage	Aldactone	Aldactone
No Coverage	No Coverage	Aldactone	Aldactone
Allopurinol	Allopurinol	Gout	Gout
High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A	N/A
N/A	N/A	No Coverage	No Coverage
Return of Premium	Return of Premium	Return of Premium	Amaryl
See '#' Below	Ambisome	Ambisome	Ambisome
Amiloride HCL	Amiloride HCL	Amiloride HCL	High Blood Pressure (HTN)
Amiloride HCL	CHF	CHF	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	No Coverage
No Coverage	No Coverage	Antabuse	Antabuse
Apokyn	Apokyn	Apokyn	Apokyn
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Medication	Medication	Medication
Apresoline	Apresoline	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	CHF	CHF
AIDS	AIDS	N/A	N/A
N/A N/A N/A	N/A N/A N/A	No Coverage No Coverage No Coverage	No Coverage No Coverage No Coverage
No Coverage Immediate	No Coverage Immediate	Atacand	Atacand
No Coverage Immediate	No Coverage Immediate	Atacand	CHF
Atamet	Parkinson’s	Parkinson’s	Parkinson’s
High Blood Pressure (HTN)	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Atripla
No Coverage	Atrovent/Atrovent HFA Atrovent (Nasal)	Atrovent/Atrovent HFA Atrovent (Nasal)	Atrovent/Atrovent HFA Atrovent (Nasal)
No Coverage	Atrovent/Atrovent HFA Atrovent (Nasal)	COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema
High Blood Pressure (HTN)	High Blood Pressure (HTN)	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	See '#' Below	See '#' Below
See '*' Below	See '*' Below	See '#' Below	See '#' Below
Avonex	Avonex	Avonex	Multiple Sclerosis
Azasan	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)
Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)	N/A N/A N/A
Parkinson’s	N/A	N/A	Return of Premium
N/A	Immediate	Immediate	Return of Premium
Return of Premium	Azor	Azor	Azor
Return of Premium	Azor	CHF	CHF
Multiple Sclerosis	Multiple Sclerosis	Multiple Sclerosis	Multiple Sclerosis
Liver Disorder / Hepatitis Liver Failure	Liver Disorder / Hepatitis Liver Failure	N/A N/A	N/A N/A
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Common Uses	Common Uses	RX Fill Within
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Benicar
See '*' Below	No Coverage	No Coverage	Benicar
Benlysta	Benlysta	Benlysta	Benlysta
Benztropine Mesylate	Benztropine Mesylate	Parkinson’s Other Use	Parkinson’s Other Use
Irregular Heartbeat CHF	Irregular Heartbeat CHF	3 years N/A	3 years N/A
N/A	N/A	Return of Premium	Return of Premium
See '*' Below	See '*' Below	Return of Premium	Return of Premium
BiDil	BiDil	BiDil	BiDil
Bisoprolol Fumarate	Bisoprolol Fumarate	Bisoprolol Fumarate	High Blood Pressure (HTN)
Bisoprolol Fumarate	CHF	CHF	N/A
Parkinson’s	N/A	N/A	Return of Premium
N/A	See '*' Below	See '*' Below	Return of Premium
No Coverage	Bumex	Bumex	Bumex
No Coverage	Bumex	Bumex	Bumex
Buprenex	Buprenex	Alcohol / Drugs	Alcohol / Drugs
High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A	N/A
N/A	N/A	No Coverage	No Coverage
See '*' Below	See '*' Below	Calcium Acetate	Calcium Acetate
Campath	Campath	Campath	Campath
Campral	Campral	Campral	Alcohol / Drugs
Capoten	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
N/A	See '*' Below	See '*' Below	No Coverage
No Coverage	Captopril	Captopril	Captopril
No Coverage	Captopril	Captopril	Captopril
Carbamazepine	Carbamazepine	Seizures Diabetic Neuropathy	Seizures Diabetic Neuropathy
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Common Uses	Common Uses	Common Uses
Seizures Diabetic Neuropathy	Seizures Diabetic Neuropathy	Seizures Diabetic Neuropathy	3 years N/A
Parkinson’s	N/A	N/A	Return of Premium
N/A	See '*' Below	See '*' Below	Cardura
See '*' Below	Cartia	Cartia	Cartia
Carvedilol	Carvedilol	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	CHF	CHF
Cancer	Cancer	5 years > 5 years	5 years > 5 years
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Chlorpromazine	Chlorpromazine
Clopidogrel	Clopidogrel	Clopidogrel	Stroke / Heart or Circulatory Disease or Disorder
Cogentin	Parkinson’s Other Use	Parkinson’s Other Use	Parkinson’s Other Use
COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema	3 years
AIDS	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Copaxone
Return of Premium	Copegus	Copegus	Copegus
Cordarone	Cordarone	Irregular Heartbeat	Irregular Heartbeat
High Blood Pressure (HTN)	High Blood Pressure (HTN)	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Corzide	Corzide
No Coverage	No Coverage	Corzide	CHF
Coumadin	Blood Clot	Blood Clot	Blood Clot
Stroke / Heart or Circulatory Disease or Disorder	Stroke / Heart or Circulatory Disease or Disorder	Stroke / Heart or Circulatory Disease or Disorder	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Creon
Return of Premium	Cyclosporine	Cyclosporine	Cyclosporine
Cyclosporine Modified	Cyclosporine Modified	Organ / Tissue Transplant	Organ / Tissue Transplant
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Medication	Medication
Cytoxan	Cytoxan	Cytoxan	Cancer
Daliresp	COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema	3 years
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Depacon
Return of Premium No Coverage	Depade	Depade	Depade
Depakene	Depakene	Depakene	Depakene
Depakote	Depakote	Seizures	Seizures
Diabetes	Diabetes	N/A	N/A
N/A	N/A	See '#' Below	See '#' Below
Return of Premium No Coverage	Return of Premium No Coverage	Digoxin	Digoxin
Dilacor	Dilacor	Dilacor	Dilacor
Dilantin	Dilantin	Dilantin	Seizures
Dilatrate SR	Angina / CHF	Angina / CHF	N/A
Asthma	N/A	N/A	Immediate
3 years	Return of Premium	Return of Premium	Diovan
See '*' Below	Return of Premium	Return of Premium	Diovan
Disulfiram	Disulfiram	Disulfiram	Disulfiram
Dolophine	Dolophine	Opioid Dependence	Opioid Dependence
COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema	3 years	3 years
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Dynacirc	Dynacirc
Dyrenium	Dyrenium	Dyrenium	Dyrenium
Dyrenium	Dyrenium	Dyrenium	CHF
Edecrin	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Eldepryl
Return of Premium	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Plan Eligibility	Plan Eligibility	Emtriva	Emtriva
Enalapril Maleate	Enalapril Maleate	Enalapril Maleate	Enalapril Maleate
Enalapril Maleate	Enalapril Maleate	Enalapril Maleate	CHF
Enalaprilat	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
3 years N/A	Return of Premium No Coverage	Return of Premium No Coverage	Epivir
No Coverage	Eplerenone	Eplerenone	Eplerenone
Eskalith	Eskalith	Eskalith	Eskalith
Esmolol HCL	Esmolol HCL	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	No Coverage	No Coverage
No Coverage	No Coverage	Felodipine	Felodipine
Femara	Femara	Femara	Femara
Foscavir	Foscavir	Foscavir	AIDS
Fosinopril Sodium	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
N/A N/A N/A	No Coverage No Coverage No Coverage	No Coverage No Coverage No Coverage	Furosemide
See '*' Below	No Coverage No Coverage No Coverage	No Coverage No Coverage No Coverage	Furosemide
Gabapentin	Gabapentin	Gabapentin	Gabapentin
Gleevec	Gleevec	Cancer	Cancer
Diabetes	Diabetes	N/A	N/A
N/A	N/A	See '#' Below	See '#' Below
See '#' Below	See '#' Below	Glyburide	Glyburide
Glynase	Glynase	Glynase	Glynase
Haldol	Haldol	Haldol	Schizophrenia
Haloperidol	Schizophrenia	Schizophrenia	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
RX Fill Within	RX Fill Within	Plan Eligibility	Plan Eligibility
No Coverage No Coverage No Coverage	No Coverage No Coverage No Coverage	Heparin	Heparin
Hepsera	Hepsera	Hepsera	Hepsera
Humalog (Insulin)	Humalog (Insulin)	Humalog (Insulin)	Diabetes
Humulin (Insulin)	Diabetes	Diabetes	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Hydroxyurea
No Coverage Immediate	Hydroxychloroquine	Hydroxychloroquine	Hydroxychloroquine
Hytrin	Hytrin	Hytrin	Hytrin
Hyzaar	Hyzaar	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	No Coverage	No Coverage
No Coverage Return of Premium No Coverage	No Coverage Return of Premium No Coverage	Inamrinone	Inamrinone
Inderide	Inderide	Inderide	Inderide
Inderide	Inderide	Inderide	CHF
Inspra	CHF	CHF	N/A
Diabetes	N/A	N/A	No Coverage
5 years > 5 years	No Coverage Immediate	No Coverage Immediate	No Coverage
Return of Premium	Invirase	Invirase	Invirase
Ipratropium Bromide	Ipratropium Bromide	Ipratropium Bromide	Ipratropium Bromide
Ipratropium Bromide	Ipratropium Bromide	COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema
High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A	N/A
N/A	N/A	No Coverage	No Coverage
No Coverage	No Coverage	Janumet	Janumet
Januvia	Januvia	Januvia	Januvia
Kaletra	Kaletra	Kaletra	AIDS
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Medication	Medication
Hectoral	Hectoral	Kidney Dialysis Renal Insufficiency/Failure Diabetic Nephropathy	Kidney Dialysis Renal Insufficiency/Failure Diabetic Nephropathy
Blood Clot	Blood Clot	3 years	3 years
N/A	N/A	Return of Premium	Return of Premium
No Coverage	No Coverage	Humulin (Insulin)	Humulin (Insulin)
Hydralazine HCL	Hydralazine HCL	Hydralazine HCL	Hydralazine HCL
Hydralazine HCL	Hydralazine HCL	Hydralazine HCL	CHF
Hydroxyurea	Cancer	Cancer	5 years > 5 years
Systemic Lupus (SLE) Rheumatoid Arthritis	N/A N/A	N/A N/A	No Coverage Return of Premium
N/A	See '*' Below	See '*' Below	Hyzaar
See '*' Below	See '*' Below	See '*' Below	Hyzaar
Imdur	Imdur	Imdur	Imdur
Imuran	Imuran	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)	Organ / Tissue Transplant Rheumatoid Arthritis Systemic Lupus (SLE)
CHF	CHF	N/A	N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Inspra	Inspra
Insulin	Insulin	Insulin	Insulin
Intron-A	Intron-A	Intron-A	Cancer
Intron-A	Hepatitis C	Hepatitis C	N/A
AIDS	N/A	N/A	No Coverage
N/A	Immediate	Immediate	No Coverage
Return of Premium	Isoptin	Isoptin	Isoptin
Isordil	Isordil	Isordil	Isordil
Isosorbide Dinitrate/ Mononitrate	Isosorbide Dinitrate/ Mononitrate	Angina / CHF	Angina / CHF
Diabetes	Diabetes	N/A	N/A
N/A	N/A	See '#' Below	See '#' Below
No Coverage	No Coverage	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
RX Fill Within	Plan Eligibility	Plan Eligibility	Hectoral
No Coverage No Coverage No Coverage	Heparin	Heparin	Heparin
Hepsera	Hepsera	Hepsera	Hepsera
Humalog (Insulin)	Humalog (Insulin)	Diabetes	Diabetes
Diabetes	Diabetes	N/A	N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Hydroxyurea	Hydroxyurea
Hydroxychloroquine	Hydroxychloroquine	Hydroxychloroquine	Hydroxychloroquine
Hytrin	Hytrin	Hytrin	High Blood Pressure (HTN)
Hyzaar	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Imuran
No Coverage Return of Premium No Coverage	Inamrinone	Inamrinone	Inamrinone
Inderide	Inderide	Inderide	Inderide
Inderide	Inderide	CHF	CHF
CHF	CHF	N/A	N/A
N/A	N/A	No Coverage	No Coverage
No Coverage Immediate	No Coverage Immediate	No Coverage	No Coverage
Invirase	Invirase	Invirase	Invirase
Ipratropium Bromide	Ipratropium Bromide	Ipratropium Bromide	Allergies
Ipratropium Bromide	COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema	3 years
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Isosorbide Dinitrate/ Mononitrate
No Coverage	Janumet	Janumet	Janumet
Januvia	Januvia	Januvia	Januvia
Kaletra	Kaletra	AIDS	AIDS
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Medication	Common Uses
Nadolol	High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A
CHF	N/A	N/A	No Coverage
2 years	No Coverage	No Coverage	Naltrexone
No Coverage	Narcan	Narcan	Narcan
Natrecor	Natrecor	Natrecor	Natrecor
Navane	Navane	Schizophrenia	Schizophrenia
Seizures Diabetic Neuropathy	Seizures Diabetic Neuropathy	3 years N/A	3 years N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Nimotop	Nimotop
Nitrek	Nitrek	Nitrek	Nitrek
Nitro-bid	Nitro-bid	Nitro-bid	Angina / CHF
Nitro-dur	Angina / CHF	Angina / CHF	N/A
Angina / CHF	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Normodyne
See '*' Below	Norpace	Norpace	Norpace
Norvir	Norvir	Norvir	Norvir
Novolin (Insulin)	Novolin (Insulin)	Diabetes	Diabetes
Diabetes	Diabetes	N/A	N/A
3 years	3 years	Return of Premium	Return of Premium
Return of Premium	Return of Premium	Parcopa	Parcopa
Parlodel	Parlodel	Parlodel	Parlodel
Pegasys	Pegasys	Pegasys	Liver Disorder / Hepatitis C / Chron- ic Hepatitis
Peg-Intron	Liver Disorder / Hepatitis C / Chron- ic Hepatitis	Liver Disorder / Hepatitis C / Chron- ic Hepatitis	N/A
AIDS	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Pergolide Mesylate
Return of Premium	Permax	Permax	Permax
Phenobarbital	Phenobarbital	Phenobarbital	Phenobarbital
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Medication	Medication
Phoslo	Phoslo	Phoslo	Kidney Dialysis Renal Insufficiency/Failure Diabetic Nephropathy
Plaquenil	Systemic Lupus (SLE) Malaria Rheumatoid Arthritis	Systemic Lupus (SLE) Malaria Rheumatoid Arthritis	N/A N/A N/A
Stroke / Heart or Circulatory Disease or Disorder	N/A	N/A	No Coverage
N/A	See '*' Below	See '*' Below	Prandin
See '#' Below	Prazosin	Prazosin	Prazosin
Primacor	Primacor	Primacor	Primacor
Prinivil	Prinivil	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Procardia	Procardia
Prograf	Prograf	Prograf	Prograf
Proleukin	Proleukin	Proleukin	Cancer
Prolixin	Schizophrenia	Schizophrenia	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Proventil
Immediate	No Coverage	No Coverage	Proventil
Prozac	Prozac	Prozac	Prozac
Quinapril	Quinapril	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Ramipril	Ramipril
No Coverage	No Coverage	Ramipril	Ramipril
Ranexa	Ranexa	Ranexa	Angina / CHF
Rapamune	Organ / Tissue Transplant	Organ / Tissue Transplant	N/A
Liver Disorder / Hepatitis C / Chron- ic Hepatitis	N/A	N/A	Return of Premium
N/A	Return of Premium	Return of Premium	Rebif
Return of Premium	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Plan Eligibility	Plan Eligibility	Renagel	Renagel
Renvela	Renvela	Renvela	Renvela
Requip	Requip	Requip	Parkinson’s Restless Leg Syndrome
Ribavirin	Liver Disorder / Hepatitis C / Chron- ic Hepatitis	Liver Disorder / Hepatitis C / Chron- ic Hepatitis	N/A
ALS / Motor Neuron Disease	N/A	N/A	No Coverage
N/A	No Coverage	No Coverage	Risperidone
No Coverage	Rituxan	Rituxan	Rituxan
No Coverage	Rituxan	Rituxan	Rituxan
Ropinirole	Ropinirole	Parkinson’s Other Use	Parkinson’s Other Use
Irregular Heartbeat	Irregular Heartbeat	3 years	3 years
N/A	N/A	Immediate	Immediate
Return of Premium	Return of Premium	Seroquel	Seroquel
Sinemet/Sinemet CR	Sinemet/Sinemet CR	Sinemet/Sinemet CR	Sinemet/Sinemet CR
Sodium Edecrin	Sodium Edecrin	Sodium Edecrin	High Blood Pressure (HTN)
Sodium Edecrin	CHF	CHF	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Sotalol HCL
See '*' Below	No Coverage	No Coverage	Sotalol HCL
Spiriva	Spiriva	Spiriva	Spiriva
Spironolactone	Spironolactone	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
5 years > 5 years	5 years > 5 years	No Coverage Immediate	No Coverage Immediate
Return of Premium	Return of Premium	Starlix	Starlix
Suboxone	Suboxone	Suboxone	Suboxone
Subutex	Subutex	Subutex	Alcohol / Drugs
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Medication	Medication
Sustiva	Sustiva	AIDS	AIDS
Asthma	Asthma	N/A	N/A
3 years	3 years	Return of Premium	Return of Premium
Return of Premium	Return of Premium	Tambocor	Tambocor
Tamoxifen	Tamoxifen	Tamoxifen	Tamoxifen
Tarka	Tarka	Tarka	High Blood Pressure (HTN)
Tarka	CHF	CHF	N/A
Parkinson’s	N/A	N/A	Return of Premium
3 years N/A	Return of Premium No Coverage	Return of Premium No Coverage	Tenex
See '*' Below	Tenoretic	Tenoretic	Tenoretic
See '*' Below	Tenoretic	Tenoretic	Tenoretic
Tenormin	Tenormin	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	Immediate	Immediate
Return of Premium	Return of Premium	Theophylline	Theophylline
Return of Premium	Return of Premium	Theophylline	Theophylline
Thioridazine	Thioridazine	Thioridazine	Schizophrenia
Thiothixene	Schizophrenia	Schizophrenia	N/A
Schizophrenia	N/A	N/A	No Coverage
N/A	See '*' Below	See '*' Below	Tolazamide
See '#' Below	Tolbutamide	Tolbutamide	Tolbutamide
Tolinase	Tolinase	Tolinase	Tolinase
Toprol XL	Toprol XL	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	See '*' Below	See '*' Below
No Coverage	No Coverage	Trandate	Trandate
No Coverage	No Coverage	Trandate	Trandate
Triameterene	Triameterene	Triameterene	High Blood Pressure (HTN)
Triameterene	CHF	CHF	N/A
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Common Uses	Common Uses
High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A	N/A
N/A	N/A	No Coverage	No Coverage
Return of Premium Immediate	Return of Premium Immediate	Truvada	Truvada
Tyzeka	Tyzeka	Tyzeka	Tyzeka
Uniretic	Uniretic	Uniretic	High Blood Pressure (HTN)
Uniretic	CHF	CHF	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Valcyte
No Coverage	Valproic Acid	Valproic Acid	Valproic Acid
Valstar	Valstar	Valstar	Valstar
Valturna	Valturna	High Blood Pressure (HTN)	High Blood Pressure (HTN)
CHF	CHF	N/A	N/A
N/A	N/A	No Coverage	No Coverage
See '*' Below	See '*' Below	No Coverage	No Coverage
Vasotec	Vasotec	Vasotec	Vasotec
Vasotec	Vasotec	Vasotec	CHF
Ventolin	Asthma	Asthma	N/A
COPD / Chronic Bronchitis / Emphysema	3 years	3 years	Return of Premium
N/A	See '*' Below	See '*' Below	Viaspan
No Coverage	Viracept	Viracept	Viracept
Viramune	Viramune	Viramune	Viramune
Viread	Viread	AIDS	AIDS
High Blood Pressure (HTN)	High Blood Pressure (HTN)	N/A	N/A
N/A	N/A	No Coverage	No Coverage
No Coverage	No Coverage	Warfarin	Warfarin
No Coverage	No Coverage	Warfarin	Warfarin
Xeloda	Xeloda	Xeloda	Cancer
* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.
FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	FAMILY CHOICE PRESCRIPTION REFERENCE GUIDE (cont.)	Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.	Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If ‘N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
Medication	Medication	Medication	Medication
Xopenex	Xopenex	Asthma	Asthma
COPD / Chronic Bronchitis / Emphysema	COPD / Chronic Bronchitis / Emphysema	3 years	3 years
N/A	N/A	Return of Premium	Return of Premium
No Coverage No Coverage No Coverage	No Coverage No Coverage No Coverage	Zestoretic	Zestoretic
No Coverage No Coverage No Coverage	No Coverage No Coverage No Coverage	Zestoretic	Zestoretic
Zestril	Zestril	Zestril	High Blood Pressure (HTN)
Zestril	CHF	CHF	N/A
High Blood Pressure (HTN)	N/A	N/A	See '*' Below
N/A	No Coverage	No Coverage	Zyprexa
No Coverage	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.	* High Blood Pressure - If diagnosed, treated, or taken medication for prior to age 30 or if taking 3 or more medications for the condition, client should apply for the Return of Premium Death Benefit Plan. Otherwise, client should apply for the Immediate Death Benefit Plan.
# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.	# Diabetes - Refer to the 'Diabetes' impairment section of the Medical Impairment Guide.

Included Riders

Terminal Illness Accelerated Benefit Rider (included on all plans)

Optional Riders

Accidental Death Benefit
Children's Insurance Agreement
Grandchild Rider
Waiver of Premium for Disability

Conversion Options

This is a permanent final expense product. There is no conversion option available as the coverage is already lifetime-guaranteed.

Other Eligibility Requirements

Applicants must reside in the U.S. and have a valid Social Security Number
Third-party payors (other than spouse or parent) may be restricted
State-specific disclosures and replacement forms may be required

Application Notes

Use state-approved Family Choice application packet
Submit via mobile app, AppDrop, or fax
Point-of-sale decisions typically delivered instantly