Underwriting Requirements:
Other Requirements:

1. If the total amount of Life Insurance applied for (all companies) is greater than or equal to $350,000, a Financial Questionnaire is Required. There are two Financial Questionnaires; 1 is required when the purpose of purchasing the insurance is Personal Protection, Inheritance Tax or in connection with a Private Residential Loan; the other is required when the purpose of purchasing the insurance is Keyman, or in connection with a Commercial Loan.
2. A Medical Questionnaire, completed within 30 days of Application, by a licensed Physician, is required at the following amounts of insurance:

   Age Amount 35 or Under $225,000
   36 to 45 $187,500
   46 to 50 $150,000
   51 to 55 $112,500
   56 to 60 $ 75,000
   61 to 65 $ 37,500
   66+ Any amount.
   

   Note, these guidelines apply to "clean" Applications only. If there are disclosures, individual consideration will be given, and a Medical Questionnaire may be required.

3. This product is available only to individuals residing outside the US at time of Application. Premium surcharges will be made for individuals residing in "hot" areas of the world.