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DISEASE/DISORDERAIDSCOLUMBIAN FINANCIALGROUP:FORESTERS:MUTUAL OF OMAHA:Safe ShieldSmart U.L. & StrongFoundationDECLINEDECLINEGPM:AMERICO:Term Life Express - G.U.L.ExpressEquity ProtectorHMS SeriesDECLINEDECLINEDECLINEAfter 5 years sincetreatment: Classic 1AlcoholismWithin past 5 years:DECLINEAfter 5 years, withoutrelapse, no current use:ACCEPTWithin past 10 years:DECLINETreatment within 2-5years:Classic 2 to DECLINEDECLINECurrent use, or within2 years of treatment:DECLINEAlzheimer’sAmputationIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEInjury: POSSIBLEACCEPTDisease: DECLINEAneurysmAngina (Chest Pain)DECLINEDECLINEDECLINEDECLINEInjury: ACCEPTInjury: ACCEPTDisease: DECLINEDisease: DECLINEDECLINEDECLINE1DECLINEDECLINEAccidental, fullyrecovered and workingInjury: CLASSIC 1 or 2full time:USUALLY ACCEPTDisease: DECLINEAll Others:DECLINEDECLINESurgically correctedover three years prior:Possible CLASSIC 1Otherwise CLASSIC 2or DECLINEDECLINEDECLINEOver age 60, nontobacco treated/stable via heartcatheterization,described as mild ormoderate:CLASSIC 2Unstable Angina,tobacco user, underage 60, or severe:DECLINEDECLINE

DISEASE/DISORDERCOLUMBIAN FINANCIALGROUP:Safe ShieldAngioplasty/StentImplantIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEFORESTERS:MUTUAL OF OMAHA:Smart U.L. & StrongFoundationDECLINEGPM:AMERICO:Term Life Express - G.U.L.ExpressEquity ProtectorHMS SeriesDECLINEOver age 60, nontobacco treated/stable via heartcatheterization,described as mild ormoderate:CLASSIC 1 or 2Unstable or ongoingAngina afterprocedure, tobaccouser, under age 60, orsevere:DECLINEDECLINEIf more than 10 years:POSSIBLE ACCEPTTreated with one ortwo medications andno impact on ADLs:CLASSIC 1AnxietyACCEPTMild, age 25, onsetmore than 1 year orlater, nohospitalizations or timeoff work: ACCEPTIf hospitalized within thepast 10 years due to:DECLINEOtherwise: ACCEPTThree mediationsand mild Anxiety:CLASSIC 2USUALLY ACCEPTModerate Anxiety:CLASSIC 2Severe, recentlyhospitalized,interferes with ADLs:DECLINEArrhythmiaIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINEDECLINEIf more than 10 years:POSSIBLE ACCEPT2*Call for RiskAssessmentDECLINE

DISEASE/DISORDERCOLUMBIAN FINANCIALGROUP:Safe ShieldFORESTERS:MUTUAL OF OMAHA:Smart U.L. & StrongFoundationTerm Life Express - G.U.L.ExpressOsteoarthritis: ACCEPTArthritisRheumatoid - requiredfollow-up ever:DECLINEOther: ACCEPTModerate/Severerheumatoid arthritistreated with Humira,Enbrel or Methotrexate:DECLINERheumatoid - minor nolimitations: ACCEPTSevere/Moderate (RXinclude Humira, Enbrel,Prednisone): DECLINEGPM:AMERICO:Equity ProtectorHMS SeriesMild or moderate,without use ofcorticosteroids, Gold,Sulphasalazine,chloroquine orMethotrexate and ableto perform all ADLs:CLASSIC 1Severe, use any drugsmentioned above orunable to performADLs:CLASSIC 2Psoriatic mild,working full time:USUALLY ACCEPTRheumatoid,Methotrexate orSteroid use:DECLINEOtherwise:DECLINEMild: ACCEPTAsthmaTobacco use ormoderate/severe orcomplications: DECLINEModerate if build is 50lbs lighter than thebuild chart: ACCEPTChronic or Severe:DECLINESevere orhospitalization:DECLINEAtrial Fibrillation(A-Fib)In the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINEDECLINEIf more than 10 years:POSSIBLE ACCEPTBipolar DisorderIf received diagnosis orrequired follow-upwithin the past 10years: DECLINEDECLINEDECLINE3Treated daily withmedication, inhaleronly as needed, nontobacco user:CLASSIC 1Continuous rescueinhaler use orsteroids:CLASSIC 2Recent hospitalizationor tobacco use:DECLINECorrected withsuccessful ablation:CLASSIC 1Ongoing treatment orcurrent symptoms:CLASSIC 2Accompanied bycoronary or cerebralvascular disease:DECLINEMild or moderate, wellcontrolled with fewerthan 3 medications,little impact on dailyliving:CLASSIC 2Otherwise:DECLINEWell controlled,seasonal withallergies:ACCEPTTobacco use:POSSIBLE ACCEPTSteroid use orhospitalized withinlast year:DECLINEWith RF ablation, nore-occurrence after 3months: POSSIBLEACCEPTOtherwise: DECLINEDECLINE

DISEASE/DISORDERCOLUMBIAN FINANCIALGROUP:Safe ShieldFORESTERS:MUTUAL OF OMAHA:Smart U.L. & StrongFoundationTerm Life Express - G.U.L.ExpressACCEPTBlood Pressure(Hypertension)ACCEPTIf controlled. MUST be50 lbs lighter thanTable 2 or higher build withrelative build chart:multiple impairments orACCEPThospitalizations withinpast 10 years: DECLINEGPM:AMERICO:Equity ProtectorHMS SeriesWell controlled (withor withoutmedication):CLASSIC 1Uncontrolled:minimum CLASSIC 2or DECLINEControlled and after 6months of treatment:ACCEPTACCEPTBronchitisBypass Surgery(CABG)If moderate to severe, ifa smoker or anycomplications:DECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEAcute: ACCEPTDECLINEChronic: DECLINEDECLINEDECLINECardiomyopathyMore than 5 years since Diagnosis and end oflast diagnosis andtreatment over 10 yearstreatment: POSSIBLEago or recurrence:ACCEPTACCEPTEVER Metastatic(spread), HodgkinsDisease, Leukemia,Lymphoma, Live, Lungor Pancreatic: DECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINE*Call for RiskAssessmentPOSSIBLE ACCEPT ifmore than 10 yearsCancerMelanoma/Skin/Basal/SquamousOxygen or Smoker:DECLINEDECLINEBasal Cell: ACCEPTAll others includingHodgkin’s Lymphoma:DECLINEOver age 60 nontobacco:CLASSIC 1Over age 60 tobacco:CLASSIC 2Under age 60 nontobacco:CLASSIC 2 to DECLINEUnder age 60 tobacco,ongoing angina afterprocedure:DECLINE*Call for RiskAssessment andrefer tounderwriting guideDECLINEDECLINE1-800-938-4765 Ext2299DECLINEDECLINEDECLINEIf more than 10 years:POSSIBLE ACCEPT4*Call for RiskAssessment andadditional detailson possibleexceptionsDECLINE

DISEASE/DISORDERCOLUMBIAN FINANCIALGROUP:Safe ShieldCrohn’sColitisCOPD (ChronicObstructivePulmonary Disease)If less than 3 yearssince last flare-upCrohn’s Disease:DECLINEFORESTERS:MUTUAL OF OMAHA:Smart U.L. & StrongFoundation 5 years in remission:ACCEPTModerate to severe UC:DECLINEUlcerative: DECLINEIf moderate to severe, ifa smoker or anycomplications: DECLINEStrong Foundation:Non Smoker, mildCOPD, no oxygen, nosteroids or seriousCOPD medications:ACCEPTOtherwise: POSSIBLEACCEPTGPM:AMERICO:Term Life Express - G.U.L.ExpressEquity ProtectorHMS SeriesACCEPT1 year since lastattack, no shortnessof breath, nonsmoker, occasionaltime off work:CLASSIC 2Current symptoms orwithin 1 year of lastattack:DECLINEDECLINEACCEPTIntermittent, mild ormoderate withoutcorticosteroid orimmunosuppressivetherapy:CLASSIC 1Otherwise:CLASSIC 2 or DECLINEChronic Bronchitis orEmphysema: DECLINESmart UL: COPD,Chronic Bronchitis orEmphysema: DECLINEMild or moderate, noshortness of breath,non-smoker and onlyoccasional time offwork:CLASSIC 2Severe, oxygen use orsmoker:DECLINEIBS:ACCEPTUlcerative Colitis:DECLINEDECLINEDECLINECHF (CongestiveHeart Failure)DECLINEDECLINEDECLINECystic FibrosisDECLINEDECLINEDECLINE5*Call for RiskAssessment andadditional detailson possibleexceptionsDECLINEDECLINEDECLINE

DISEASE/DISORDERCOLUMBIAN FINANCIALGROUP:Safe ShieldACCEPTDepressionDementiaModerate to severaldiagnosed within thepast 3 years: DECLINEDECLINEType I - Any tobaccouse, ratable table 2build or higher, diabeticcomplications orCoronary ArteryDisease: DECLINEDiabetes*Must be under table2 build. Refer todiabetic build chart.FORESTERS:MUTUAL OF OMAHA:Smart U.L. & StrongFoundationTerm Life Express - G.U.L.ExpressMild age 25, onsetmore than 1 year orlater, nohospitalizations or timeoff work: ACCEPTEquity ProtectorHMS SeriesACCEPTThree mediationsand mild depression:CLASSIC 2Moderate depression:CLASSIC 2Severe, recentlyhospitalized,interferes with ADLs:DECLINEDECLINEDECLINEDECLINEMild with nohospitalization within3 years, no more than1 medication:USUALLY ACCEPTOtherwise or withalcohol abuse and/ornarcotic painmedication: DECLINEDECLINEStrong Foundation:Treated with oral meds,Insulin or diet; andgood control; and nonsmoker or 1 pack/day.ACCEPT*REQUIRED: SeeForesters ProductGuide for criteria onage of diagnosis andduration sincediagnosis.Type 2, oral meds ordiet controlled after 6months of treatment:USUALLY ACCEPTType 2 - Any tobaccouse age 50 andyounger, ratable table 2build or higher, diabeticcomplications orSmart UL:Coronary ArteryTreated with oral meds,Disease: DECLINEor diet; and goodcontrol; and nonOtherwise: POSSIBLEsmoker or 1 pack/day:ACCEPTACCEPT*Refer to underwritingguide for completerestrictionsAMERICO:Treated with one ortwo medications andno impact on ADLs:CLASSIC 1Hospitalized within thepast 10 years, or severedepression: DECLINESevere, majordepression, bipolar,schizophrenia(Rxinclude Lithium,Seroquel, Abilify,Respidol) DECLINEGPM:Diagnosed age 50, table2 or higher build, tobaccouse or PVD:DECLINEOtherwise: ACCEPTTreated with insulin; orany treatment withbuild exceedingstandard build chart,poor control orcomplications:DECLINE6SEE UNDERWRITINGGUIDEType 2, onset underage 20: DECLINEType 1 or with insulin- onset under age 60:DECLINE

DISEASE/DISORDERCOLUMBIAN FINANCIALGROUP:Safe ShieldDisabled/DisabilityACCEPTFORESTERS:MUTUAL OF OMAHA:Smart U.L. & StrongFoundationTerm Life Express - G.U.L.ExpressIf maternity, fractures,spinal or back disorders,hip or knee replacements:ACCEPTACCEPTGPM:AMERICO:Equity ProtectorHMS SeriesDECLINEDue to arthritis:DECLINEOtherwise:DECLINEDriving Record(Including D.U.I.)Drug Abuse/AddictionEpilepsyAdverse drivingrecords underwrittenon individual basis,subject to motorvehicle report.License suspended orrevoked. Past 3 years:DWI, DUI, 3 or moredriving violations orcombination thereof:DECLINEPast 5 years: Licensesuspended or revoked,3 or more movingviolations or 1 or moreDUIs: POSSIBLEDECLINEIn the past 5 years,used or had beentreated foramphetamines,cocaine, narcotics,hallucinogens, orbarbiturates: DECLINEMinimum 5 yearsOccasional marijuanasince successfuluse: ACCEPTtreatment, no relapse:CLASSIC 1Used or convicted unlawfulCocaine,Other than occasionalHistory of attempteddrugs or prescription drugsAmphetamines withinmarijuana use (tobaccorelapse, minimum 5other than as prescribed5 years: DECLINErates apply):years since treatment:within the past 10 years:DECLINECLASSIC 2DECLINEPrescriptionWithin 5 years ofNarcotics, abuse/treatment or currentlong-term use:substance abuse:DECLINEDECLINEWith seizures in thepast year:DECLINELast 5 years: 4 or moremoving violations, DUI, orreckless drivingconvictions:DECLINEControlled on meds, noseizures for 2 years, nocomplications:POSSIBLE ACCEPTDECLINE7*Call for RiskAssessment. Callfor consideration.DUI/DWI: multiple orlast occurred underage 25: DECLINEAbsence or petit malseizures, or less than12 grand mal seizuresper year:CLASSIC 1Grand Mal or Petit Malattack over 6 months:More than 12 grandPOSSIBLE ACCEPTmal seizures per year:CLASSIC 2Grand Mal or Petit Malattack within 6History of Epilepticus,months:personality orDECLINEcognitive changes,progression ofunderlying disease:DECLINE