$100,000 to $249,999. $60,000 to $99,999 UHIV (CA, NJ, NY, FL, TX, DC) EXAM, EXAM, IRP, MVR EXAM, EXAM, SPEC,UHIV (CA, NJ, NY, FL, TX, DC) EXAM,

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1 UNDERWRITING OVERVIEW Age and Amount Requirements The guidelines in the chart apply the amount applied for and any amount applied for in the past two For Survivorship coverage: Requirements are based on 50% of the face amount applied for along with 50% of the rider. The standard time limit for exam requirements is 12 months for ages 0 70 (6 months for age 71+) subject current (within 3 months) non-medical declarations. AGE $25,000 $25,001 $49,999 $50,000 $50,001 $59,999 $60,000 $99,999 $100,000 $249,999 $250,000 $499,999 $500,000 $999,999 $1,000,000 $2,500,000 $2,500,001 $4,999,999 $5,000,000 and up 0 14 NONE NONE NONE NONE NONE NONE NONE APS NONE NONE NONE NONE NONE NONE NONE APS,,, NONE NONE NONE UHIV NY, FL, TX, DC),, MVR,, MVR,, MVR,, MVR,,, MVR,, MVR NONE NONE NONE,,,,,,,,,,,,, NONE,,,,,,,,,,,,,,,,, 51 64,,,,,,,,,,,,,,,,, 65 70,,,,,,,,,,,,,,,, 71 75,,,,,,,,,, UHIV,,,,,,,,,,,, Mobility,,, Mobility,, Frailty,, Over 75 1,,,,,,,,, UHIV NY, FL, TX, DC) COG,,, MVR, COG,,, MVR, COG,,, MVR, COG,, Frailty,, MVR, COG,, Frailty,, MVR, COG,, Frailty,, MVR, NOTE: Please refer the Attending Physician Statement Requirements Guide ( ) for additional APS requirements. The age and amount requirements apply products with Preferred underwriting categories. Data verification reports and requirements and paramed exam limits and procedures apply all Life products. The minimum face amount for individuals over age 80 is $250,000. Exceptions the $200,000 face amount may be permitted call the underwriter. Minimum face for ages is $100,000. MD exams may be required based upon the underwriter s discretion. 1 Minimum face amounts: Ages 76 80: $100,000; Age >80: $250,000. (Face amounts of $200,000 may be considered as an exception contact Underwriting.) 11

2 CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS Age and Amount Requirements (Continued) REQUIREMENTS LEGEND The examiner is a paramed, not a Medical Docr. He or she weighs and measures the proposed insured and takes blood pressure and pulse. A Modified Exam is required for submissions via Express Worksheet. Tele-underwriting interviewer obtains the Part 2 Medical Declarations. Full Exams are required for submissions via paper application. The examiner obtains the Part 2 Medical Declarations. REQUIREMENTS APS Attending Physician Statement* COG Cognitive function testing, administered by examiner Electrocardiogram FRAILTY Senior supplement questionnaire, administered by examiner Insurance Risk Profile (Comprehensive Blood and Urine Panel) MVR Mor Vehicle Report MOBILITY Get Up & Go mobility test, administered by examiner Urine Specimen Pharmaceutical database check UHIV Urine HIV Testing Examiner-collected urine specimen for states listed in the Age and Amount Requirements for HIV testing In addition the lab slip, please submit any required state-specific HIV consent form. DATA REQUIREMENTS (PRUDENTIAL TO ORDER WHEN REQUIRED) X-ID Express Identification Face amount: $100,000 $500,000 (all ages) PADR (Prudential Aumated Database Report) Face amount: $500,001 $999,999 (for ages < 71) DVR (Data Verification Report) Face amount: $1,000,000 and over for ages < 71 Face amount: $500,001 and over for age 71 and over *Please refer the Attending Physician Statement Requirements Guide ( ) for additional APS requirements. 12

3 UNDERWRITING OVERVIEW PREFERRED UNDERWRITING CATEGORIES AND CRITERIA NON-SMOKER CATEGORIES Preferred Best Preferred Non-Tobacco Non-Smoker Plus Smoking No bacco or nicotine use within the last 5 No bacco or nicotine use within the last 3 No cigarettes within the last 12 months (may smoke cigars and/or pipe or chew bacco). Blood Pressure Up 130/80 for ages up 49 Up 135/85 for age 50 and over Without medication Up 135/85 for ages up 49 Up 140/90 for age 50 and over Up 140/90 for ages up 49 Up 145/90 for age 50 and over Cholesterol Cholesterol/HDL ratio 5 or less 2 Cholesterol/HDL ratio 6 or less 2 Cholesterol/HDL ratio 7 or less 2 Physical Measurements (Height and Weight) BMI must be within acceptable limits per Physical Measurements (Build Table). BMI must be within acceptable limits per Physical Measurements (Build Table). BMI must be within acceptable limits per Physical Measurements (Build Table). Family Hisry 1 No death of a parent or sibling prior age 60 due : No more than one death of a parent prior age 60 due : Not applicable. Personal Hisry No personal hisry of: (except skin cancer, excluding melanoma) Hepatitis C Glucose Inlerance No personal hisry 3 of: (except skin cancer, excluding melanoma) Glucose Inlerance Actual medical hisry will be evaluated determine qualification for this class. Personal hisry requiring a rating is not Alcohol/Drug No hisry of alcohol/drug abuse or treatment and no current drug use. No hisry of alcohol/drug abuse or treatment within the last 10 years and no current drug use. Actual alcohol/drug hisry will be evaluated determine qualification for this class. Personal hisry requiring a rating is not Driving Record No DWI, OUI, DUI, or reckless driving within the last 5 No license suspension within the last 3 No more than 2 citations for moving violation and/or mor vehicle accident within the last 3 No DWI, OUI, DUI, or reckless driving within the last 5 No license suspension within the last 3 No more than 3 citations for moving violation and/or mor vehicle accident within the last 3 Actual driving hisry will be evaluated determine qualification for this class. Driving record requiring a rating is not Occupation Avocation No hazardous activities (e.g., aumobile or morcycle racing, sky diving, scuba diving, bungee jumping). No ratable activities. No activities that preclude including the Accidental Death Benefit (ADB) (e.g., drag racing at speeds over 120 mph, scuba diving feet with Basic Open Water Certification). Aviation Minimum of 1,000 tal hours or 5-year aviation hisry as a certified pilot. Minimum of 100 hours of flight time in current aircraft. Valid medical certificate without restrictions or special issuance (other than requiring the use of corrective lenses). Fixed-wing, powered aircraft flights only. Minimum of 1,000 tal hours or 5-year aviation hisry as a certified pilot. No FAA violations for the past 5 Minimum of 100 hours of flight time in his or her current aircraft. No occupation-related ratable aviation activities. Minimum age is 25. Minimum of 600 tal hours or 3-year aviation hisry as a certificated pilot. No FAA violations for the past 3 Residence Full-time, permanent resident of the U.S., Canada, or A countries. Full-time, permanent resident of the U.S., Canada, or A countries. Available residents of A and B countries. Rating No Occupation, Aviation, or Temporary Extra. No substandard ratings of any kind. No Occupation, Aviation, or Temporary Extra. No substandard ratings of any kind. Occupational Extras may be permitted for travel or avocation only We disregard family hisry if the proposed insured is age 60 and older, or if adopted. For family hisry of cancer we only consider cancer of the breast, colon, ovaries, pancreas, prostate, smach, and melanoma.

4 CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS SMOKER CATEGORIES Non-Smoker Preferred Smoker Smoker No cigarettes within the last 12 months (may smoke cigars and/or pipe or chew bacco). Insurability and ratings depend on actual blood pressure readings and other medical conditions. Insurability and ratings depend on cholesterol levels and other medical conditions. Insurability and ratings depend on actual BMI and other medical conditions. Currently smokes cigarettes or smoked cigarettes within the last 12 months. Up 135/85 for ages up 49 Up 140/90 for age 50 and over Cholesterol/HDL ratio under 6 2 BMI must be within acceptable limits per Physical Measurements (Build Table). Currently smokes cigarettes or smoked cigarettes within the last 12 months. Insurability and ratings depend on actual blood pressure readings and other medical conditions. Insurability and ratings depend on cholesterol levels and other medical conditions. Insurability and ratings depend on actual BMI and other medical conditions. Not applicable. No more than one death of a parent prior age 60 due : Not applicable. Some medical conditions may be rated. Insurability and ratings depend on facrs such as the specific condition and severity of the condition. No personal hisry 3 of: (except skin cancer, excluding melanoma) Glucose Inlerance Some medical conditions may be rated. Insurability and ratings depend on facrs such as the specific condition and severity of the condition. Some drug/alcohol hisries may be rated. Insurability and ratings depend on facrs such as the substances used, the quantities used, and how recent the hisry was. May be rated depending on actual driving hisry. Insurability and ratings depend on the actual driving record. No hisry of alcohol/drug abuse or treatment within the last 10 years and no current drug use. No DWI, OUI, DUI, or reckless driving within the last 5 No license suspension within the last 3 No more than 3 citations for moving violation and/or mor vehicle accident within the last 3 Some drug/alcohol hisries may be rated. Insurability and ratings depend on facrs such as the substances used, the quantities used, and how recent the hisry was. May be rated depending on actual driving hisry. Insurability and ratings depend on the actual driving record. Hazardous duties may be acceptable with ratings. Insurability and ratings depend on actual occupations. No ratable activities. No activities that preclude including ADB (e.g., drag racing at speeds over 120 mph, scuba diving feet with Basic Open Water Certification). Hazardous duties may be acceptable with ratings. Insurability and ratings depend on actual occupations. Insurability and ratings depend on actual aviation activities. Minimum of 1,000 tal hours or 5-year aviation hisry as a certified pilot. No FAA violations for the past 5 Minimum of 100 hours of flight time in his or her current aircraft. Insurability and ratings depend on actual aviation activities. Available residents of A and B countries. Substandard Rating Classes A-H (A-S for survivorship), Occupation Extras, Aviation Extras, and Temporary Extras Full-time, permanent residents of the U.S., Canada, or A countries. Substandard Rating Classes A H (A S for survivorship), Occupation Extras, Aviation Extras, and Temporary Extras Available residents of A and B countries. Substandard Rating Classes A H (A S for survivorship), Occupation Extras, Aviation Extras, and Temporary Extras 2 Total cholesterol readings of 300 or higher may not be eligible for Preferred underwriting regardless of cholesterol/hdl ratio. 3 We may allow Preferred Non-Tobacco/Preferred Smoker with personal hisry of papillary thyroid cancer, prostate cancer, and stage 1 seminoma testicular cancer that meet specific parameters. 14

5 Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ), all located in Newark, NJ. This material is designed provide general information about the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client s own professional advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code Prudential Financial, Inc. and its related entities. Securities and Insurance Products: Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate.