Quick reference underwriting guide

1 AIG Life Limited - Quick reference underwriting guide1 Quick reference underwriting guideIndividual ProtectionAIG Life Limited - Quick reference underwriting guide2 Care cover with Whole of Life is underwritten as Life cover unless specific guidance is updated: May 2020 Non-Medical Limits 3 Life cover 4 critical illness 6 Income Protection/Total Disability 7 Medical Conditions 8 Height and Weight Life benefit males and females 9 critical illness Total Permanent Disability benefit males and females 10 Income Protection.

2 Total Disability, Waiver of Premium males and females 11 Occupations and Driving 12 Financial underwriting 14 Personal financial underwriting 15 Relevant Life Insurance 16 Business financial underwriting 16 ContentsNon-Medical Limits3 Back to contentsNon- Medical Limits There are no automatic pre-issue GPRsMany companies obtain reports from doctors to check that the application answers are correct before they will issue the cover . We believe customers wish to give us complete information, and that we should not delay in providing them with their cover while we check this information.

3 Therefore, there are no GPRs within our non-medical limits. Information verificationTo help maintain and monitor the quality of the information that is provided on the application, we randomly select cases for checking. The person covered must give permission for us to contact their doctor, and use all reasonable endeavours to ensure we are able to complete the check. We will make every effort to obtain the information we need and the application will only be cancelled as a last resort if all our chase processes have failed to obtain any will not hold up the application and your client will still be able to start their cover when they wish, without waiting for the GPR to be returned.

4 The fact that an application is selected does not imply that we have an issue with the information your client has evidenceMedical evidence will never be requested solely to assess Waiver of tests will be performed on non-smokers only. Coronavirus updateOur ability to gather evidence and offer the maximum cover available may be impacted by the coronavirus pandemic. If your client is over the non-medical limits, please contact AIG to discuss the options Limits4 Back to contents Sum Assured*17-2930-3435-3940-4445-4950-5455 -5960-6465-7475+To 50,000n/an/an/an/an/an/an/an/an/an/a50,0 01 - 100,000n/an/an/an/an/an/an/an/an/aPARAME D, COT100,001 - 150,000n/an/an/an/an/an/an/an/aPARAMED, COTPARAMED, COT150,001 - 200,000n/an/an/an/an/an/an/aPARAMED, COT PARAMED, COT PARAMED, COT200,001 - 300,000n/an/an/an/an/an/an/a PARAMED, COTPARAMED, COT PARAMED, COT, FBP300,001 - 400.

5 000n/an/an/an/an/aPARAMED, COTPARAMED, COTPARAMED, COTPARAMED, COT PARAMED, COT, FBP400,001 - 500,000 n/an/an/an/an/a PARAMED, COT, BIOCHEMPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBP500,001 - 550,000n/an/an/an/aPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBP550,001-750,000n/an/an/aPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBP750,001-825,000n/an/aPARAMED, COT, BIOCHEM, PARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEM PARAMED, COT, BIOCHEMPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBPMED, COT, FBP, Ex ECG825,001-1,000,000n/aPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, FBPPARAMED, COT, FBPPARAMED, COT, FBPMED, COT, FBP, ExECG1,000,001 - 1,500,000 PARAMED, COT PARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEM PARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEMPARAMED, COT, BIOCHEM PARAMED, COT, FBPMED.

6 COT, FBP, ExECGMED, COT, FBP, ExECGMED, COT, FBP, ExECG1,500,001 - 2,000,000 PARAMED, COT, HIVPARAMED, COT, HIV BIOCHEMPARAMED, COT, HIV BIOCHEMPARAMED, COT, HIV BIOCHEM PARAMED, COT, HIV BIOCHEM PARAMED, COT, HIV, BIOCHEM PARAMED, COT, FBP, HIVMED, COT, FBP, ExECGMED, COT, FBP, ExECGMED, COT, FBP, ExECG2,000,001 - 2,500,000 PARAMED, COT, HIVPARAMED, COT, HIV BIOCHEMPARAMED, COT, HIV BIOCHEM PARAMED, COT, HIV BIOCHEMPARAMED, COT, HIV BIOCHEMMED, COT, BIOCHEM, HIV, ExECGMED, COT, FBP, HIV, ExECGMED, COT, FBP, ExECGMED, COT, FBP, ExECGMED, COT, FBP, ExECG2,500,001 - 3,000,000 PARAMED, COT, HIV BIOCHEM PARAMED, COT, HIV BIOCHEMPARAMED, COT, HIV BIOCHEM PARAMED, COT, HIV BIOCHEM MED, COT, BIOCHEM, HIVMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, FBP, MSU HIV, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECG3,000,001 - 4,000,000 MED, COT, BIOCHEM, HIVMED, COT, HIV BIOCHEMMED, COT, BIOCHEM, HIVMED, COT, BIOCHEM, HIVMED, COT, BIOCHEM, HIVMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, FBP, MSU, HIV, ExECGMED, COT, FBP, MSU.

7 ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECGLife CoverCoronavirus updateOur ability to gather evidence and offer the maximum cover available may be impacted by the coronavirus pandemic. If your client is over the non-medical limits, please contact AIG to discuss the options :PARAMED Nurse medicalCOT CotinineBIOCHEM Biochemistry (blood test)FBP Full Blood ProfileExECG Exercise ElectrocardiogramRe ECG Resting ECGHIV HIVMSU Microscopic UrinalysisMED Doctors medicalAll ages in the table below refer to current age at the time of the application.

8 Non-Medical Limits5 Back to contents* The sum assured for a family income benefit is calculated by multiplying the monthly benefit by 12 and then multiplying this figure by the policy term. In order to determine non-medical limits for family income benefit, only two thirds of the sum assured is taken into account. Sum Assured*17-2930-3435-3940-4445-4950-5455 -5960-6465-7475+4,000,001 - 5,000,000 MED, COT, BIOCHEM, HIVMED, COT, HIV BIOCHEMMED, COT, BIOCHEM, HIVMED, COT, BIOCHEM, HIVMED, COT, BIOCHEM, HIV, ExECGMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, FBP, MSU, HIV, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECG5,000,001 - 10,000,000 MED, COT, BIOCHEM, MSU, HIVMED,COT, BIOCHEM, MSU, HIVMED, COT, BIOCHEM, MSU, HIVMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, BIOCHEM, MSU, HIV, ExECGMED ,COT.

9 BIOCHEM, MSU, HIV, ExECGMED, COT, FBP, MSU, HIV, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECG10,000,001 and overMED, COT, BIOCHEM, MSU, HIV, Re ECGMED, COT, BIOCHEM, MSU, HIV, Re ECGMED, COT, BIOCHEM, MSU, HIV, Re ECGMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, BIOCHEM, MSU, HIV, ExECGMED, COT, FBP, MSU, HIV, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECGMED, COT, FBP, MSU, ExECGKey:PARAMED Nurse medicalCOT CotinineBIOCHEM Biochemistry (blood test)

10 FBP Full Blood ProfileExECG Exercise ElectrocardiogramRe ECG Resting ECGHIV HIVMSU Microscopic UrinalysisMED Doctors medicalNon-Medical Limits6 Back to contents Sum Assured17-2930-3940-4445-4950-5455-5960- 6465+To 50,000n/an/an/an/an/an/an/an/a50,001 - 75,000n/an/an/an/an/an/an/aPARAMED, COT, FBP, PSA75,001 - 100,000n/an/an/an/an/an/aPARAMED, COT, FBP, PSAPARAMED, COT, FBP, PSA100,001 - 150,000n/an/an/an/an/an/aPARAMED, COT, FBP, PSAPARAMED, COT, FBP, PSA150,001 - 200,000n/an/an/an/aPARAMED, COT, BIOCHEM PARAMED, COT, FBP PARAMED, COT, FBP, PSA MED, COT, FBP, PSA200,001 - 250,000n/an/an/an/aPARAMED, COT, BIOCHEM PARAMED, COT, FBP PARAMED, COT, FBP, PSAMED, COT, FBP, PSA250,001 - 300,000n/an/an/an/aPARAMED, COT, BIOCHEM PARAMED, COT, FBP PARAMED, COT, FBP, PSA MED, COT, FBP, PSA, MSU, ExECG300,001 - 400,000n/an/an/aPARAMED, COTPARAMED, COT, BIOCHEMPARAMED, COT, FBPPAR