Underwriting Limits Guide to our underwriting limits

1 Underwriting LimitsGuide to our Underwriting limitsThis information may change in the is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private customers or any other Guide explains our medical evidence and financial Evidence Limits Key3 Medical Evidence Limits Life4 Medical Evidence Limits Critical illness6 Medical Evidence Limits Income protection8 Financial Limits9 Underwriting Limits2 Underwriting Limits3 Medical evidence Limits keyKEY EVIDENCE REQUIREMENTS.

2 PHRP atient Health Report A medical report from your doctorSMRS pecific Medical Report for applications submitted through interactive OLPC. PHR for applications submitted through standard OLPC or on Screening Examination (also known as a Health Check - Nurse )MERM edical 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 MERs can be arranged with Legal & General approved independent examiners, if own GP unwilling/unable to perform exam.

3 If you use any other doctor, check their willingness to conduct the examination for our standard fee before the issue of test (If a non-smoker)HIVH uman Immunodeficiency Virus TestECG Ex (T)Exercise ECG (Treadmill)MSUM icroscopic UrinalysisNFBPNon-fasting profile (including Lipids / LFT / RFT / FBC)NFBP1 Non-fasting profile (Lipids / LFT)NFBP2 Non-fasting profile (including Lipids / LFT / RFT)LFTL iver Function TestsRFTR enal Function TestsNT pro BNPA blood test for heart failureHbA1cA test for blood sugar levels**HbA1c may also be requestedTMI Tele-medical interview.

4 If a client has stated No to TMI during the application process then a full NSE (with a cotinine test, if a non-smoker) would be requiredUnderwriting Limits4 Medical evidence Limits LifeAMOUNT OF COVER ( ) UP TO:UP TO 35 AGE NB36-40 AGE NB41-45 AGE NB46-50 AGE NB51-55 AGE NB56-60 AGE NB61-65 AGE NB66-74 AGE NB75 AND OVER AGE NBUp to 25,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidence25,001 50,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHR50,001 75.

5 000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR75,001 100,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR, MER, COT100,001 200,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR, MER, COTPHR, MER, COT200,001 250,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR, NSE, COTPHR, MER, COTPHR, MER, COT250,001 300,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHR, NSE, COTPHR, NSE, COTPHR, MER, C OT, NFB P 2 PHR, MER, C OT, NFB P 2300,001 350,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR, NSE, COTPHR, NSE, COTPHR, MER, C OT, NFB P 2 PHR, MER, C OT, NFB P 2350,001 400.

6 000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR, NSE, COTPHR, NSE, COTPHR, MER, C OT, NFB P 2 PHR, MER, C OT, NFB P 2400,001 450,000No automatic evidenceNo automatic evidenceNo automatic evidenceSMR, NSE, COTPHR, NSE, COTPHR, NSE, COTPHR, NSE, C OT, NFB P 2 PHR, MER, C OT, NFB P 2 PHR, MER, C OT, NFB P 2450,001 500,000No automatic evidenceNo automatic evidenceNo automatic evidenceSMR, NSE, COTPHR, NSE, COTPHR, NSE, COTPHR, NSE, C OT, NFB P 2 PHR, MER, C OT, NFB P 2 PHR, MER, C OT, NFB P 2500,001 600,000No automatic evidenceNo automatic evidenceNSE, COTSMR, NSE, COTPHR, NSE, COTPHR, NSE, C OT, NFB P 2 PHR, NSE, C OT, NFB P 2 PHR, MER, C OT, NFB P 2 PHR, MER, C OT, NFB P 2 Underwriting Limits5 Medical evidence Limits LifeAMOUNT OF COVER ( ) UP TO.

7 UP TO 35 AGE NB36-40 AGE NB41-45 AGE NB46-50 AGE NB51-55 AGE NB56-60 AGE NB61-65 AGE NB66-74 AGE NB75 AND OVER AGE NB600,001 700,000No automatic evidenceNo automatic evidenceNSE, COTSMR, NSE, COTPHR, NSE, COTPHR, NSE, COT, NFBP2 PHR, NSE, COT, NFBP2 PHR, MER, COT, NFBP2 PHR, MER, COT, NFBP2700,001 750,000No automatic evidenceNo automatic evidenceNSE, COTSMR, NSE, COTPHR, NSE, COTPHR, NSE, COT, NFBP2 PHR, NSE, COT, NFBP2 PHR, MER, COT, NFBP2 PHR, MER, C OT, NFBP2750,001 1,000,000No automatic evidenceNSE, COTSMR, NSE, COTSMR, NSE, COTPHR, NSE, COT, NFBP1 PHR, NSE, COT, NFBP2 PHR, MER, COT, NFBP2 PHR, MER, COT, NFBP2 PHR, MER, COT, NFBP21,000,001 1,500,000 SMR, NSE, COTSMR, NSE, COTSMR, NSE, COTPHR, NSE, COTPHR, NSE, C OT, NFBP1 PHR, NSE, C OT, NFBP2 PHR, MER, COT, NFBP2 PHR, MER, COT, NT pro BNP, NFBP2 PHR, MER, COT, NT pro BNP, NFBP21,500,001 2,000,000 SMR, NSE, HIV (blood), COTSMR, NSE, HIV (blood), COTPHR, NSE, HIV (blood), COTPHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, MER, HIV (blood)

8 , COT, NFBP2 PHR, MER, COT, NT pro BNP, NFBP2 PHR, MER, COT, NT pro BNP, NFBP2 PHR, MER, COT, NT pro BNP, NFBP22,000,001 3,000,000 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, COT, NT pro BNP, NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP23,000,001 5,000,000 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NFBP1 PHR, NSE, HIV (blood), COT, NT pro BNP, NFBP1 PHR, NSE, HIV (blood) COT, NT pro BNP, NFBP1 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 5,000,001 7,500,000 PHR, MER, HIV (blood), COT, NFBP2 PHR, MER, HIV (blood), COT, NFBP2 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood)

9 , COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood), COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 Over millionPHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood), COT, NT pro BNP, NFBP2 PHR, MER, HIV (blood), COT, ECG Ex (T), NFBP2 PHR, MER, HIV (blood), COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 PHR, MER, COT, ECG Ex (T), NFBP2 Cover amounts over 10 million may be subject to additional evidence Limits Critical illnessUnderwriting Limits6 AMOUNT OF COVER ( ) UP TO.

10 UP TO 30 AGE NB31-35 AGE NB36-40 AGE NB41-45 AGE NB46-50 AGE NB51-55 AGE NB56-60 AGE NB61-65 AGE NBOVER 65 NBUp to 30,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidence30,001 50,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidence50,001 75,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHR75,001 100,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidencePHRPHR100,001 150,000No automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evidenceNo automatic evi