IC+
TERM LIFE INSURANCE FOR THE INTERNATIONAL MARKET

PRODUCT DESCRIPTION / GENERAL UNDERWRITING GUIDELINES

Products Description:

Basic Plan (Basic): Policy Limit Paid at Death

Terminal Illness (TI): ½ of Policy Limit Paid when Diagnosed with Terminal Illness and 12 Months or Less to Live

Double Indemnity (AD): 2x Policy Limit Paid when Death is Result of Covered Accidental Injury

Features of All Plans:

	Term Life Insurance – Up to 10 Year Term
	No Cash Value
	No Surrender Value
	No Conversion Option

Underwriting Requirements:

Complete an IC+ International Term Life Insurance Application, may be completed on-line
If the total amount of Life Insurance applied for (all companies) is greater than $350,000, a Financial Questionnaire is Required. There are two Financial Questionnaires; one 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. Financial Questionnaires will be provided upon receipt of your application.
A Medical Questionnaire, completed within 30 days of Application, by a licensed Physician, is required at the following amounts of insurance: ( A Medical Questionnaire will be provided upon receipt of your application)

Age Amount

Under 35     $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.