Underwriting Limits Guide to our underwriting limits

1 Underwriting Limits Guide to our Underwriting Limits This Guide explains our medical evidence and financial Limits . This information may change in the future. This is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private customers or any other persons. Underwriting Limits Contents medical Evidence Limits Key 3. medical Evidence Limits Life 4. medical Evidence Limits CIC 6. medical Evidence Limits IPB 8. Financial Limits 9. 2. Underwriting Limits medical evidence Limits key KEY EVIDENCE REQUIREMENTS: PHR Patient Health report A medical report from your doctor Specific medical report for applications submitted through interactive OLPC.

2 SMR. PHR for applications submitted through standard OLPC or on paper. NSE Nurse Screening Examination (also known as a Health Check - Nurse'). medical Examination report (also known as a Health Check - Doctor'). May be performed by the GP or an independent examiner. Some GP surgeries do not have facilities for ECGs. MER Independent MERs can be arranged with Legal & General approved independent examiners, if own GP unwilling/unable to perform exam. If you use any other doctor, check their willingness to conduct the examination for our standard fee before the issue of papers. COT Cotinine test (If a non-smoker). HIV Human Immunodeficiency Virus Test ECG Ex (T) Exercise ECG (Treadmill). ECG Ex (T / B) Exercise ECG (Treadmill or Bicycle): If possible coronary disease is suspected a treadmill test must be requested MSU Microscopic Urinalysis NFBP Non-fasting profile (including Lipids / LFT / RFT / FBC).

3 LFT Liver Function Tests RFT Renal Function Tests FBC Full Blood Count HbA1c A test for blood sugar level ** HbA1c may also be requested Tele- medical interview. If a client has stated No' to TMI during the application process then a full NSE (with a cotinine test, TMI. if a non-smoker) would be required 3. Underwriting Limits medical evidence Limits Life AMOUNT OF COVER UP TO 35 75 AND OVER. 36-40 AGE NB 41-45 AGE NB 46-50 AGE NB 51-55 AGE NB 56-60 AGE NB 61-65 AGE NB 66-74 AGE NB. ( ) UP TO: AGE NB AGE NB. No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic Up to 25,000. evidence evidence evidence evidence evidence evidence evidence evidence evidence No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic 25,001 50,000 PHR.

4 Evidence evidence evidence evidence evidence evidence evidence evidence No automatic No automatic No automatic No automatic No automatic No automatic No automatic 50,001 75,000 PHR PHR. evidence evidence evidence evidence evidence evidence evidence No automatic No automatic No automatic No automatic No automatic No automatic No automatic PHR, MER**, 75,001 100,000 PHR. evidence evidence evidence evidence evidence evidence evidence COT. No automatic No automatic No automatic No automatic No automatic No automatic PHR, MER**, PHR, MER**, 100,001 200,000 PHR. evidence evidence evidence evidence evidence evidence COT COT. No automatic No automatic No automatic No automatic No automatic PHR, NSE**, PHR, MER**, PHR, MER**, 200,001 250,000 PHR.

5 Evidence evidence evidence evidence evidence COT COT COT. No automatic No automatic No automatic No automatic No automatic PHR, NSE**, PHR, NSE**, PHR, MER**, PHR, MER**, 250,001 300,000. evidence evidence evidence evidence evidence COT COT COT, NFBP COT, NFBP. No automatic No automatic No automatic No automatic PHR, NSE**, PHR, NSE**, PHR, MER**, PHR, MER**, 300,001 350,000 PHR. evidence evidence evidence evidence COT COT COT, NFBP COT, NFBP. No automatic No automatic No automatic No automatic PHR, NSE**, PHR, NSE**, PHR, MER**, PHR, MER**, 350,001 400,000 PHR. evidence evidence evidence evidence COT COT COT, NFBP COT, NFBP. No automatic No automatic No automatic SMR, NSE, PHR, NSE**, PHR, NSE**, PHR, MER**, PHR, MER**, PHR, MER**, 400,001 450,000.

6 Evidence evidence evidence COT COT COT COT, NFBP COT, NFBP COT, NFBP. No automatic No automatic No automatic SMR, NSE, PHR, NSE**, PHR, NSE**, PHR, MER**, PHR, MER**, PHR, MER**, 450,001 500,000. evidence evidence evidence COT COT COT COT, NFBP COT, NFBP COT, NFBP. No automatic No automatic NSE, SMR, NSE, PHR, NSE**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, 500,001 600,000. evidence evidence COT COT COT COT, NFBP COT, NFBP COT, NFBP COT, NFBP. 4. Underwriting Limits medical evidence Limits Life AMOUNT OF COVER UP TO 35 75 AND OVER. 36-40 AGE NB 41-45 AGE NB 46-50 AGE NB 51-55 AGE NB 56-60 AGE NB 61-65 AGE NB 66-74 AGE NB. ( ) UP TO: AGE NB AGE NB. No automatic NSE, NSE, SMR, NSE, PHR, NSE**, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, 600,001 700,000.

7 Evidence COT COT COT COT NFBP NFBP NFBP NFBP. No automatic NSE, NSE, SMR, NSE, PHR, NSE**, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, 700,001 750,000. evidence COT COT COT COT NFBP NFBP NFBP NFBP. NSE, NSE, SMR, NSE, SMR, NSE, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, 750,001 1,000,000. COT COT COT COT NFBP NFBP NFBP NFBP NFBP. PHR, MER**, PHR, MER**, PHR, MER**, COT, PHR, MER**, COT, SMR, NSE, SMR, NSE, SMR, NSE, PHR, MER, PHR, MER**, COT, 1,000,001 1,500,000 HIV (blood), COT, HIV (blood), COT, ECG Ex (T / B), ECG Ex (T), HIV (blood), COT HIV (blood), COT HIV (blood), COT HIV (blood), COT NFBP. NFBP NFBP NFBP NFBP. PHR, MER, PHR, MER**, PHR, MER**, PHR, MER**, COT, PHR, MER**, COT, PHR, MER**, COT, SMR, NSE, SMR, NSE, PHR, MER, 1,500,001 2,000,000 HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, ECG Ex (T / B), ECG Ex (T / B), ECG Ex (T), HIV (blood), COT HIV (blood), COT HIV (blood), COT.

8 NFBP NFBP NFBP NFBP NFBP NFBP. PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER, PHR, MER, PHR, MER, PHR, MER, PHR, MER**, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood) COT, 2,000,001 3,000,000 HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, ECG Ex (T / B), ECG Ex (T / B), ECG Ex (T), ECG Ex (T), NFBP NFBP NFBP NFBP NFBP, MSU. NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU. PHR, MER, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER, PHR, MER, PHR, MER, HIV (blood), COT, HIV (blood) COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, 3,000,001 5,000,000 HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, ECG Ex (T / B), ECG Ex (T / B), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), NFBP NFBP NFBP, MSU.

9 NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU. PHR, MER, PHR, MER, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER, PHR, MER, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, 5,000,001 7,500,000 HIV (blood), COT, HIV (blood), COT, ECG Ex (T / B), ECG Ex (T / B), ECG Ex (T / B), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), NFBP, MSU NFBP, MSU. NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU. PHR, MER, PHR, MER, PHR, MER, PHR, MER, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, PHR, MER**, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, HIV (blood), COT, Over million ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), ECG Ex (T), NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU NFBP, MSU.

10 5. Underwriting Limits medical evidence Limits Critical Illness Cover AMOUNT OF COVER UP TO 30. 31-35 AGE NB 36-40 AGE NB 41-45 AGE NB 46-50 AGE NB 51-55 AGE NB 56-60 AGE NB 61-65 AGE NB OVER 65 NB. ( ) UP TO: AGE NB. No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic Up to 30,000. evidence evidence evidence evidence evidence evidence evidence evidence evidence No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic 30,001 50,000. evidence evidence evidence evidence evidence evidence evidence evidence evidence No automatic No automatic No automatic No automatic No automatic No automatic No automatic No automatic 50,001 75,000 PHR.