Underwriting Guidelines

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2 AGE AND AMOUNT REQUIREMENTS FACE AMOUNT 0 25,000 ISSUE AGES JUVENILE ** 25,001 50,000 JUVENILE ** 50,001 99,999 JUVENILE ** 100, ,999 JUVENILE ** 250,000 1,000,000 ** 1,000,000+ ** Forester Legacy Ages 50-85, $5,000-$15,000: Application, Non-Med*, Rx Check, QuestCheck, MVR IMPORTANT NOTES: The amount being underwritten includes insurance applied for and placed in-force with COF within the past 12 months. Underwriting requirements are based on either the Proposed Insured s: 1. Age at nearest birthday for Term, Forester Heritage Single Premium Whole Life and Forester Legacy; or 2. Actual age for Genesis and Basic Value Whole Life and all Universal Life products. The Home Office is responsible for ordering the following requirements: Rx Check, QuestCheck, MVR and Tele-Interview. Exams (including Ht/Wt/Vitals, Paramed Exams and labs) will be ordered by the Home Office, unless instructed not to do so by the agent (via the Agent s Report is the preferred method of communication). * Non-Med cases require completion of all medical and personal history questions on either application. A focused telephone interview may also be ordered by the Home Office at the Underwriter s discrestion. ** MVR ordered for juveniles when applicable (remember to provide driver s license information for applicable juveniles).

3 SINGLE PREMIUM UNIVERSAL LIFE AGE AND AMOUNT REQUIREMENTS* NET AMOUNT AT RISK* 0 25,000 25,001 50,000 50,001 99, , , ,001 1,000,000 1,000,001+ ISSUE AGES * - Oral Fluid - Oral Fluid - Oral Fluid * * * IMPORTANT NOTES: * Requirements are based on the Net Amount at Risk (face amount less single premium amount = net amount at risk.) The amount being underwritten includes insurance applied for and placed in-force with COF within the past 12 months. Requirements listed above do not take into account prior coverage applied for in last 12 months. Contact COF Underwriting to determine total amount and requirements needed. Underwriting requirements are based on either the Proposed Insured's actual age. The Home Office is responsible for ordering the following requirements: Rx Check, QuestCheck, MVR and Tele-interview. Agent is responsible for obtaining oral fluid sample and mailing sample to the lab. Exams (including Ht/Wt/Vitals, paramed exams and labs) will be ordered by the Home Office, unless intructed not to do so by the agent (via the Agent's Report is the preferred method of communication). ** Non-Med cases require completion of all medical and personal history questions on either application. A focused telephone interview may also be ordered by the Home Office at the Underwriter's discretion.

4 PREFERRED CLASSES CRITERIA CRITERIA PREFERRED PLUS PREFERRED SELECT PLUS Tobacco and Nicotine Use None within 60 months None within 36 months. Smokeless tobacco ok if never a cigarette smoker. None within 12 months. Smokeless tobacco ok if never a cigarette smoker. Occasional cigar ok (1 or less weekly with nicotine negative on HOS/oral) Occasional cigar ok (1 or less weekly with nicotine negative on HOS/oral) BUILD SEE BUILD CHART Maximum Blood Pressure 135/85 and no more than 2 medications 135/85 140/90 Maximum Total Cholesterol And Cholesterol/HDL Ratio Mimimum Total Cholesterol And HDL (Untreated) 300 and and and and and and 25 A1c No greater than 6.0 with no history of diabetes No greater than 6.0 with no history of diabetes No greater than 6.0 with no history of diabetes Family History: Vascular No cardiovascular or cerebrovascular events or deaths in parents or siblings prior to age 65 for (father/brothers) and prior to age 70 for (mother/sisters) No cardiovascular or cerebrovascular events or deaths in parents or siblings prior to age 60 for (father/brothers) and prior to age 65 for (mother/sisters) No more than 1 cardiovascular or cerebrovascular event or death in parents or siblings prior to age 60 for (father/brothers) and prior to age 65 for (mother/sisters) Family History: Cancer And Diabetes No death or diagnosis of parents or siblings prior to age 60 (excluding basal cell and some squamous cell skin cancers) No more than 1 death of parents or siblings prior to age 55 (excluding basal cell and some squamous cell skin cancers) No restrictions Driving Impaired And Reckless Driving No DUI/DWI/OUI or reckless driving convictions within the past 10 years No DUI/DWI/OUI or reckless driving convictions within the past 7 years No DUI/DWI/OUI or reckless driving convictions within the past 5 years Not available with multiple violations regardless of age Not available with multiple violations regardless of age Not available with multiple violations regardless of age Moving Violations No more than 3 in the past 5 years No more than 3 in the past 3 years No restrictions Drug And Alcohol Abuse/Dependency No history of drug or alcohol abuse in past 10 years No history of drug or alcohol abuse in past 10 years No ratable history of drug or alcohol abuse Personal History Aviation, Hazardous Avocation, Occupation Foreign Travel And Residency Standard medical risk; no history of invasive cancer in the past 30 years (excluding basal cell and some squamous cell skin cancers) Not available with ratable aviation, hazardous avocation, or hazardous occupation Not available with ratable foreign travel or residency risks

5 PREFERRED PLUS (PP) HEIGHT AND WEIGHT REQUIREMENTS HEIGHT WEIGHT MALE WEIGHT FEMALE HEIGHT WEIGHT MALE WEIGHT FEMALE 5' 0" ' 11" ' 1" ' 0" ' 2" ' 1" ' 3" ' 2" ' 4" ' 3" ' 5" ' 4" ' 6" ' 5" 237 5' 7" ' 6" 245 5' 8" ' 7" 250 5' 9" ' 8" 258 5' 10" PREFERRED (P) HEIGHT AND WEIGHT REQUIREMENTS HEIGHT WEIGHT MALE WEIGHT FEMALE HEIGHT WEIGHT MALE WEIGHT FEMALE 5' 0" ' 11" ' 1" ' 0" ' 2" ' 1" ' 3" ' 2" ' 4" ' 3" ' 5" ' 4" ' 6" ' 5" 262 5' 7" ' 6" 270 5' 8" ' 7" 276 5' 9" ' 8" 284 5' 10" SELECT PLUS (SP) HEIGHT AND WEIGHT REQUIREMENTS HEIGHT WEIGHT MALE WEIGHT FEMALE HEIGHT WEIGHT MALE WEIGHT FEMALE 5' 0" ' 11" ' 1" ' 0" ' 2" ' 1" ' 3" ' 2" ' 4" ' 3" ' 5" ' 4" ' 6" ' 5" 275 5' 7" ' 6" 284 5' 8" ' 7" 290 5' 9" ' 8" 298 5' 10"

6 UNDERWRITING INFORMATION Approved Vendors TELE-MED EXAM ONE Interviews ordered by the Home Office Interview Call Center hours Monday Thursday: 7 a.m. to 11 p.m., Central Friday: 7 a.m. to 9 p.m. Saturday: 8 a.m. to 4 p.m. Sunday: Closed EXAMS EXAM ONE (preferred provider) Orders and status: Online at Orders only: Call (800) Monday Friday, 7:30 a.m. to 5:30 p.m., Central S Online Visit Click on Office Search Enter Zip code Call: (800) EMSI Call: (800) PORTAMEDIC Call: (866) Requirement Notes Please contact your underwriter with questions regarding underwriting requirements. Note: Significant health histories or complex financial situations may necessitate additional requirements. COF reserves the right to request any and all additional necessary information Valid 6 months from date of completion: Applications, lab results, EKGs and MVRs Valid 4 months from date of completion: Part II, Exams and Tele-med interviews. Note: May be used up to 6 months with a Good Health Statement Valid 12 months from statement date or date prepared: Inspection reports and financial documents