The tools to survive . . . Rapid Decision Express Rapid Decision Mortgage Term Rapid Decision Universal Life N O N M E D Rapid Decision Senior Life Term Rapid Decision Senior Life Whole Life Accidental Death Benefit . . .with the Speed to thrive! Policy approval in as little as 24 hours! Cutting-edge non-med products, technology and service Innovation Is Our Policy ® www.FidelityLife.com For Agent Use Only. Not for Distribution to the Public M1100 01/2013 For Producer Use Only, Not for Distribution to the General Public. Rapid Decision Express Issue Limits (Age last birthday) Product Features • Level death benefit term life insurance renewable to age 95 • Expires on the policy anniversary following the insured’s 95th birthday • Choice of 10, 15, 20 or 30 year initial guaranteed level premium term periods • Guaranteed annual renewable term (ART) rates after initial level term until expiry Premium classes available • Male/Female • Standard Non-Nicotine • Standard Nicotine Term Issue Age Minimum Maximum 10-year 18–65 $25,000 $250,000 15-year 18–60 $25,000 $250,000 20-year 18–55 $25,000 $250,000 30-year 18–45 $25,000 $250,000 Underwriting Approach • Rapid Decision Express will be underwritten on a simplified issue, accept/reject basis. • All medical questions must be answered “NO”. • Answers to the questions will be independently verified through MIB, Rx and MVR database checks. Additional Product Features Does your Customer Qualify? • Dependent Child Rider—up to $25,000 for eligible dependents. Expires at child’s age 23 or Insured’s age 65, whichever is earlier. • Accidental Death Benefit Rider: Issued ages 20–65. Benefit amounts between $25,000 and $250,000 available. Rider expires at age 80. Rapid Decision Express Build Chart Height 4’8 4’ 9 4’ 10 4’ 11 5’ 0 5’ 1 5’ 2 5’ 3 5’ 4 5’ 5 5’ 6 5’ 7 5’ 8 5’ 9 5’ 10 5’ 11 6’ 0 6’ 1 6’ 2 6’ 3 6’ 4 6’ 5 6’ 6 6’ 7 6’ 8 6’9 6’10 6’11 Inches 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 Min 81 84 87 90 93 96 99 102 105 109 112 115 119 122 126 130 133 137 141 145 148 152 156 160 164 168 173 177 Max 169 175 181 188 194 201 207 214 221 228 235 242 249 257 264 272 280 288 295 304 312 320 328 337 345 354 363 372 Answering the below questions, does not guarantee a policy will be approved. Customer must answer “YES to these questions. ❍ Are you a legal U.S. resident and have you resided in the U.S. for more than 2 years? ❍ Do you have a valid U.S. Driver’s License? Customer must answer this question. ❍ In the past 12 months have you used any form of tobacco, nicotine or nicotine products? If YES, Standard Nicotine rates apply. If NO, Standard Non-Nicotine rates apply. Customer must answer “NO” to these questions. ❍ Have you been diagnosed as having AIDS (Acquired Immunodeficiency Syndrome) or ARC (AIDS Related Complex) or tested positive for HIV (Human Immunodeficiency Virus)? ❍ Are you waiting for a diagnosis or have you been advised to have a surgical operation, diagnostic test or medical or mental evaluation that has not yet been completed? ❍ Have you requested or received any Worker’s Compensation or Social Security disability benefits? ❍ Do you currently take more than 2 prescription medications for pain; or do you consume, on average, more than 3 alcoholic beverages per day? ❍ In the past 10 years, have you received any treatment, medical advice or consultation for; been diagnosed with or required follow-up for: diabetes or elevated blood sugar; cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke, transient ischemic attack (TIA or mini-stroke); emphysema; chronic bronchitis or chronic lung disease; major depression or anxiety that required psychiatric treatment; bipolar disease or mood disorder; schizophrenia, Alzheimer’s disease, dementia, rheumatoid arthritis, paralysis; any degenerative muscle or nerve disease or disorder; alcohol or drug abuse; OR any disease or disorder of the following: heart, aorta, coronary arteries, peripheral vascular system, blood, liver pancreas, kidney (other than kidney stones), brain or connective tissue? ❍ In the past 2 years, have you been hospitalized or evaluated in an emergency room or immediate care center for a chronic illness requiring ongoing treatment or care by a physician; OR have you participated in any hazardous activities or extreme sports? ❍ Have you, within the past 5 years, been convicted of or pled guilty or no contest to a felony, misdemeanor, reckless driving, DUI or DWI; or been incarcerated or served in a probation or parole program or do you have criminal charges pending? For Producer Use Only, Not for Distribution to the General Public. Rapid Decision Universal Life At-a-Glance Product Features • Flexible premium universal life insurance with competitive cash value accumulation • Featuring the industry-leading Rapid Decision underwriting protocol, Rapid Decision Universal Life (UL) offers unparalleled convenience and ease of process. • Rapid Decision UL is an ideal product for those who seek solid life insurance protection, flexibility, and sustainable cash value accumulation—all on a non-med platform. Premium classes available • Select non-nicotine • Standard non-nicotine • Standard nicotine • Ratings through Table D for non-nicotine and nicotine Issue Limits (Age nearest birthday) Issue Age Minimum Maximum 16–45 $50,000 $300,000 46–55 $50,000 $200,000 56–65 $25,000 $100,000 66–75 $10,000 $25,000 Additional Product Features • Death benefit options: Option 1 (level) and Option 2 (increasing) • Guaranteed minimum interest rate: 2.50% • Minimum Premium: Provides a 20-year no lapse guarantee • Monthly Premium Charge: 10% • Monthly Policy Fee: $5 • Monthly Per $1,000 Charge: $0.75 ($1.00 guaranteed maximum) • Surrender Charge Period: Level for 10 years grading to zero in year 20 • Policy Loan Interest Rate: 8.0% • Minimum Partial Withdrawal Amount: $100 Optional Riders* (*not available in all states) • Accidental Death Benefit Rider: Issued ages 20–65 • Dependent Child Rider: Issued based on Insured’s age 20–60 • Waiver of Premium Rider: Issued ages 20–55 Does your client qualify for Rapid Decision Universal Life? Answer these simple questions to find out. 1. ❒ My client is a U.S. citizen or has permanent resident status (a green card). 2. ❒ My client has a valid, active U.S. driver’s license and a good driving record. 3. ❒ My client lives and, if employed, works in the United States. 4. ❒ My client (if ages 56 and up) has seen a U.S. primary care physician within the past 5 years. 5. ❒ My client is not disabled or receiving disability benefits. 6. ❒ My client has not been denied coverage by another life company within the last five years. 7. ❒ My client has no medical history which would require an APS or Blood/Urine samples (See Rate Class Criteria). 8. ❒ My client has a valid Social Security number. We do not offer medical ratings above Table D (IV) on Rapid Decision UL. Rapid Decision UL Height and Weight Limits Height 4' 9 4' 10 4' 11 5' 0 5' 1 5' 2 5' 3 5' 4 5' 5 5' 6 5' 7 5' 8 5' 9 5' 10 5' 11 6' 0 6' 1 6' 2 6' 3 6' 4 6' 5 6' 6 6' 7 6' 8 Min. 76 79 82 84 87 90 93 96 99 102 105 109 112 115 118 122 125 129 132 136 139 143 146 150 Note: Answering the above questions, does not guarantee a policy will be approved. Select Standard Table B 188 155 193 195 160 200 202 165 207 208 170 214 216 175 221 223 180 228 230 186 236 237 192 243 245 198 251 252 204 259 260 210 267 268 216 275 276 223 283 284 229 291 292 236 300 301 243 308 309 249 317 318 256 325 326 263 334 335 270 343 344 277 352 353 285 362 362 292 371 371 300 381 Table D 202 209 216 224 231 239 247 255 263 271 279 288 296 305 314 323 332 341 350 360 369 379 389 399 For Producer Use Only, Not for Distribution to the General Public. Rapid Decision Mortgage Term At-a-Glance Product Features • Level death benefit non-participating term life to age 95 in amounts up to $500,000 • Guaranteed level premium periods of 15, 20, 30 and 40 years • After the level premium period, policies renew on an annual renewable term premium schedule through age 95. • Policies may be converted to a permanent plan of insurance designated for conversions any time up to one year prior to the expiration of the initial term period or prior to the policy anniversary on which the insured is aged 65, whichever is earlier. • Annual commissionable policy fee of $95.00 Premium classes available Unisex premium classes • Select non-nicotine • Standard non-nicotine • Standard nicotine Issue Limits Issue Age Minimum Maximum 20-45 $50,000 $500,000 46-55 $50,000 $200,000 56-65 $25,000 $100,000 66-70 $10,000 $25,000 Issue Ages Term Period Non-Nicotine Nicotine 15 year 20–70 20–65 20 year 20–65 20–60 30 year 20–50 20–45 40 year 20–40 20–35 Eligibility • Maximum face amount can go to 125% of mortgage amount • 13-month look back first mortgage and refinance only Optional Riders* (*not available in all states) • Accidental Death Benefit Rider • Accident Disability Income Rider • Dependent Child Rider • Return of Premium Rider • Waiver of Premium Rider • Waiver of Premium Rider on Involuntary Unemployment Rider Does your client qualify for Rapid Decision Mortgage Term? Answer these simple questions to find out. 1. ❒ My client is a U.S. citizen or has permanent resident status (a green card). 2. ❒ My client has a valid, active U.S. driver’s license and a good driving record. 3. ❒ My client lives and, if employed, works in the United States. 4. ❒ My client (if ages 56 and up) has seen a U.S. primary care physician within the past 5 years. 5. ❒ My client is not disabled or receiving disability benefits. 6. ❒ My client has not been rated or denied coverage by another life company. 7. ❒ My client has no medical history which would require an APS or Blood/Urine samples. 8. ❒ My client has a valid Social Security number. We do not offer table ratings on Rapid Decision Mortgage Term. RD Mortgage Term Height and Weight Limits Height Inches Minimum Weight 4' 9 4' 10 4' 11 5' 0 5' 1 5' 2 5' 3 5' 4 5' 5 5' 6 5' 7 5' 8 5' 9 5' 10 5' 11 6' 0 6' 1 6' 2 6' 3 6' 4 6' 5 6' 6 6' 7 6' 8 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 Note: Answering the above questions, does not guarantee a policy will be approved. 76 79 82 84 87 90 93 96 99 102 105 109 112 115 118 122 125 129 132 136 139 143 146 150 Max. Select Max. Standard Weight Weight 155 160 165 170 175 180 186 192 198 204 210 216 223 229 236 243 249 256 263 270 277 285 292 300 193 197 201 205 210 214 219 225 231 237 243 250 257 264 271 279 287 295 303 311 319 326 334 342 For Producer Use Only, Not for Distribution to the General Public. Rapid Decision Underwriting Criteria At-a-Glance ➤ Rapid Decision Universal Life Premium Rate Classes Select non-nicotine Standard non-nicotine Standard nicotine Ratings though Table D for non-nicotine and nicotine ➤ Rapid Decision Mortgage Term Premium Rate Classes (unisex premium classes) Select non-nicotine Standard non-nicotine Standard nicotine (Table Ratings are currently NOT available for this product) Fidelity Life Rapid Decision Premium Class Criteria: Standard or Better, Table B, Table D Select Standard Table B Table D Non-Nicotine Nicotine use Cholesterol Blood Pressure Family History Moving violations DUI US Residency No nicotine use within the last 24 months. Not available 1 Single medication 2 medications 2 2 Available 2 4 medications2 2 4 medications2 3 medications 2 medications or not stable for six months or more. More than one death from cancer or heart disease prior to 60. 3 medications No more than 3 in the past 5 years3 None in past 5 years. No more than 3 in the past No more than 3 in the 3 years3 past 2 years3 None in past 3 years. None in the past 2 years No more than 3 in the past 2 years3 None in the past 2 years Must have permanent resident status. Available Must have permanent resident status. Available Must have permanent resident status. Available Available Available Available More than one death from More than one death from cancer or heart disease cancer or heart disease prior prior to 60. to 60. Combinations of impairments may result in a different rate class or adverse action See Pharmacy Guidelines below. 3 No extra debits per MVR guide 4 No underdeveloped, unstable or hazardous countries Flat extras are allowed on Aviation, Avocation, Driving History, Foreign Travel & Occupations 2 Yes Single medication and stable for six months or more. Up to one death of cancer or heart disease prior to 60. Must have permanent resident status. Hazardous Occupation/ None in the past 2 years and Avocation none planned. Foreign Travel4 None 1 No nicotine use within the Yes last 12 months Available Available For Producer Use Only, Not for Distribution to the General Public. Fidelity Life Rapid Decision Rate Class Criteria: Standard or Better, Table B, Table D Impairment Criteria Addison's Disease Acute Single Episode, over 2 years, no tmnt Chronic AIDS Alcoholism After 5 years dry, age 30 years and above Less than 5 years dry Alzheimer's/Dementia Amputation Anemia Ankylosing Spondylitis Anxiety Aortic Insuffciency or Stenosis Arteriosclerosis Arthritis Asthma - Caused by injury, no complications or underlying cause Caused by disease Iron Deficiency, B12 deficiency or Folic Acid Others Mild, no treatment for over 1 year See Depression Osteoarthritis, mild with no disability Rheumatoid/Psoriatic - Mild Other Mild or Moderate - Non-Smoker, no hospitalization in past 3 years Smoker or Severe Mild—less than weekly, brief exacerbations Moderate—daily symptoms, exacerbations 2x a week Aviation (Private) Recreation Blood Pressure Bronchitis Buerger's Disease By-Pass Surgery (Cardiac) Cancer See Hypertension Acute, 1 attack with no history of asthma Chronic 1-3 attacks per year, no history of asthma (Mild/Moderate) No history of gangrene after 2 years See Heart Disease Basal Cell Carcinoma - skin Squamous Cell Carcinoma- Stage I or II Internal, less than or at 10 years Internal, more than 10 years Malignant Melanoma, less than or at 10 years Malignant Melanoma, more than 10 years Cerebral Palsy Chronic Obstructive Lung Disease - COLD Cirrhosis of Liver Colitis—Ulcerative 5 years after last attack Less than 5 years since last attack Congestive Heart Failure Crohn's Disease Mild/Moderate -2 years since last symptoms and current age at or above 25 Mild/Moderate - Less than 2 years since last symptoms or age at onset less than 25 or current age less than 25 Severe - all ages Eligible for Eligible for Eligible for Standard Table B Table D NO NO NO NO YES YES NO YES NO NO YES NO YES NO NO YES YES NO YES @ 50 yrs+ NO NO YES NO YES NO YES NO NO YES NO NO YES NO NO YES YES NO YES NO NO YES YES NO YES NO NO NO YES YES YES (up to & including $5/$1,000) YES YES Individual YES if Mild Consideration NO NO YES YES NO YES NO YES NO NO NO NO NO NO NO NO NO YES NO YES NO YES YES YES @ 45 yrs+ NO YES YES NO YES NO YES NO NO NO YES NO NO YES NO YES YES NO YES NO YES NO NO NO YES NO NO YES if Mild 45 yrs+ NO NO NO NO NO For Producer Use Only, Not for Distribution to the General Public. Fidelity Life Rapid Decision Rate Class Criteria: Standard or Better, Table B, Table D Impairment Criteria CVA - Stroke Cystic Fibrosis Depression, Post Traumatic Stress Disorder Situational/Mild not treated by Psychiatrist, no antipsychotic meds Mild—2 symptoms for minimum of 2 weeks, Moderate low dose single medication Moderate—1 or more episodes, never required Major or treated by Psychiatrist inpatient care, not disabling or antipsychotics Anxiety Situational/Mild not treated by Psychiatrist, no antipsychotic meds Mild—2 symptoms for minimum of 2 weeks, Moderate low dose single medication Moderate—1 or more episodes, never required Major or treated by Psychiatrist inpatient care, not disabling or antipsychotics Diabetes-Non Insulin (Type II) Oral meds or diet controlled ages 30–49, diagnosed less than 20 years ago, good control Good—A1C 7-9, FBS 111-125 Ages 30–49 with tobacco use Ages 50+ and under good control Ages 50+ and under good control with tobacco use Ages less than 30 Diabetes - Insulin (Type I) Driving Hx Valid, in force, DL with no DWI/DUI w/in 2 years. No more than 2 moving violations w/in 2 years Valid, in force, DL with no DWI/DUI w/in 3 years. No more than 3 moving violations w/in 3 years (unless due to disability that prevents obtaining or ages 16-18 going through Driver’s Education) Duodenitis Drug Use After 5 years without use, age 30 yrs and above Use within last 5 years Emphysema Epilepsy Fibrillation Fibromyalgia Gall Bladder Disorders Gastric Bypass/Lap Band Gastritis Glomerulosclerosis Gout Petite Mal - partial, absence, focal more than 1 year from onset. Grand Mal Mild/Moderate-no significant treatment in over 1 year and no impairments or disability. Mild medications Severe or current significant treatment After 24 months, weight stablized, no complications Other gastric surgeries Acute, after 1 year, no current medication or complications Others No underlying alcohol or liver problems Eligible for Eligible for Eligible for Standard Table B Table D NO NO YES NO NO YES NO NO YES NO YES YES NO NO NO YES YES YES NO YES YES NO NO NO NO NO YES NO NO NO NO NO YES NO YES NO NO NO YES NO YES YES NO NO YES YES YES YES NO NO YES Individual Consideration NO NO YES YES YES NO NO NO NO NO NO YES NO YES Individual Consideration NO YES YES NO YES NO YES YES NO YES NO NO YES YES YES YES NO NO YES YES YES YES YES if Mild NO YES NO YES NO YES For Producer Use Only, Not for Distribution to the General Public. Fidelity Life Rapid Decision Rate Class Criteria: Standard or Better, Table B, Table D Impairment Criteria Heart Attack/Myocardial Infarction 45+ years, after 12 months mild (1-3 vessels, less than 40% blockage), no bypass, tobacco and normal blood pressure and cholesterol Coronary Artery Disease, Angina, Aneurysm, Irregular Heart Beat or Rhythm Mild-Grade I or II (Innocent) above age 34 Below age 35 - all murmurs Moderate/Severe -Grade III or IV Heart Disease Heart Murmur Hemophilia Hepatitis Hepatomegaly Hodgkin's Disease Hypertension - controlled Hysterectomy (No Cancer) Kidney Disease Leukemia Liver Impairments Lupus Erythematosus Marfan's Syndrome Meniere's Disease Mitral Insufficiency Mitral Stenosis Mitral Valve Prolapse - no regurgitation/ insufficiency or treatment Multiple Sclerosis Muscular Dystrophy Narcolepsy Nervous Disorder Pacemaker Pancreatitis Paralysis Peripheral Vascular Disease Prostate Disorder Rheumatic Fever Sarcoidosis Sleep Apnea A or Non A/B -recovered more than 6 months B or C No more than 2 medications, controlled More than 2 medications, controlled No history of Cancer Kidney Stones or Infection All others Eligible for Eligible for Standard Table B Eligible for Table D NO NO Individual Consideration NO NO NO NO NO NO NO YES NO NO NO YES NO YES YES NO NO NO NO NO YES NO NO NO YES NO NO NO YES NO NO NO YES YES YES YES NO NO NO NO NO YES NO NO YES YES NO NO NO YES NO NO NO YES YES YES YES NO NO NO NO NO YES NO NO YES NO NO NO NO NO NO NO NO NO NO NO NO NO YES YES NO NO NO NO NO NO YES YES NO Individual Consideration YES (NO Tobacco) NO NO NO NO NO YES YES YES YES See Depression Prostatitis (Infection) Recovered 6+ months BPH, biopsies negative One attack more than 6 months ago - fully recovered Localized -non-pulmonary more than 1 year ago - fully recovered Mild/Moderate age 50 or greater Mild—AI 5-20 and RDI 10-30; Severe or less than age 50 Moderate —AI 21-40 and RDI 31-50 AI (Apnea Index) - number of episodes of apnea per hour of sleep. RDI (Respiratory Disturbance Index) - total number of episodes of both NO NO YES NO For Producer Use Only, Not for Distribution to the General Public. Fidelity Life Rapid Decision Rate Class Criteria: Standard or Better, Table B, Table D Impairment Criteria Eligible for Eligible for Eligible for Standard Table B Table D Spina Bifida Spina Bifida Occulta Splenectomy Stroke Suicide Attempt Thyroid Disorder (not including Hypothyroid) TIA -Transient Ischemic Attack NO NO Trauma Induced only Disease Induced 1 attempt over 5 years ago All others Recovered more than 6 months Single episode over 24 months ago, no complications All others Turberculosis Pulmonary - Resolved, no treatment, no residual Non-Pulmonary - Diagnosis over 1 year ago. Resolved, no treatment, no residuals Atypical Ulcer (Peptic, Duodenal, Gastric–Benign only) No bleeding for 6 months All others Vascular Impairments Fidelity Life Rapid Decision Universal Life Pharmacy Guidelines Medications 2 BP and 1 Cholesterol 2 Cholesterol and 1 BP 3 BP or 3 Cholesterol 2 BP & 2 Cholesterol 1 Anx/Dep., 1 BP & 1 Chol. 2 Anx/Dep. (no antipsychotic) 1 Anx/Dep. & Sleeping Aide 2 Asthma (non-steriod) Blood Thinner (Coumadin, Warafin, etc.) Blood Platelet (Plavix) Narcotic (significant/daily/long term) Table B Table D Yes Yes Yes No Yes Yes Yes Yes No No No Yes Yes Yes Yes Yes Yes Yes Yes IC IC IC Not Acceptable: medications prescribed by a Psychiatrist Significant Narcotics include: Fentanyl, Hydrocodone, Methadone, Morphine, Oxycontin, Oxycodone, Percocet, Vicodin, etc. Short term use of Darvocet, Tramadol, Ultracet, NSAIDs are acceptable Once you have approximately 4 medications for certain impairments (i.e. HTN, Cholesterol, Anxiety, Depression, Asthma, Pain, etc.) we should look at Table D. YES NO NO NO NO NO NO Individual Consideration YES NO NO NO NO YES NO YES YES NO NO YES NO YES NO NO NO NO NO NO YES YES YES NO YES YES NO NO NO NO NO YES NO NO NO YES NO NO For Producer Use Only, Not for Distribution to the General Public. Rapid Decision Senior Life Term and Whole Life At-a-Glance Product Features • Each provides customers ages 50–85 with partial coverage immediately. • Each provides full coverage starting in year 4. • Each offers a variety of payment options and carries a $50 commissionable policy fee. • Premium classes—standard. • Convertibility—not applicable. Optional Rider* • Accidental Death Benefit Rider Term* • Premiums are level for the life of the policy which for the 10-year term is to age 80 or for 20 years whichever is longer, for the 20-year term is to age 80 or 25 years whichever is longer and for the 30-year term is for 35 years. • At the end of the level term, in year 11, 21 or 31 whichever is applicable, there is a one-time reduction in the death benefit by 50%. 10-Year Term Issue Limits Issue Age Face Amounts 50–55 $10,000–$150,000 56–65 $10,000–$100,000 66–70 $10,000–$50,000 20-Year Term Issue Limits Issue Age Face Amounts 50–55 $10,000–$150,000 56–65 $10,000–$100,000 30-Year Term Issue Limits Issue Age Face Amounts 50–55 $10,000–$150,000 56–60 $10,000–$100,000 Whole Life* • Issued from ages 50 through 85. • Level premiums for the life of the policy. • Cash value accumulation. Whole Life Issue Limits Issue Age Face Amounts 50–55 $10,000–$150,000 56–65 $10,000–$100,000 66–75 $10,000–$50,000 76–85 $10,000–$25,000 If your client can answer "NO" to all of these questions... Have you been diagnosed as having or been treated by a physician for: AIDS, ARC or HIV Alzheimer’s Disease or Dementia Amyotrophic Lateral Sclerosis (ALS) Mental Retardation or Down's Syndrome Or do you... Require the assistance of another person for dressing, bathing, toileting or mobility or use an oxygen tank And answer NO to all of these questions. Have you, within the past 2 years: Had a heart attack or stroke Had or are now awaiting an organ or bone marrow transplant (except as a donor) Been diagnosed with cancer or received or been prescribed radiation, chemo or dialysis Been confined to or advised by a licensed medical professional to be admitted to, a nursing home, hospice, extended care or special treatment facility or are you now hospitalized Used controlled substances except as prescribed by a physician Been treated for or been advised by a licensed medical professional to seek treatment for drug or alcohol use Been advised by a licensed medical professional that your life expectancy is less than 24 months Had more than one DUI (DWI) violation, been convicted of a felony or are you now on probation RD Senior Life Term & Whole Life Height and Weight Limit Height Min. Max. >$100K Max. <$100K 4' 8 4' 9 4' 10 4' 11 5' 0 5' 1 5' 2 5' 3 5' 4 5' 5 5' 6 5' 7 5' 8 5' 9 5' 10 5' 11 6' 0 6' 1 6' 2 6' 3 6' 4 6' 5 6' 6 6' 7 6' 8 6' 9 74 76 79 82 84 87 90 93 96 99 102 105 109 112 115 118 122 125 129 132 136 139 143 146 150 154 *Not available or applicable in all states. 227 231 234 238 243 248 254 262 269 276 284 293 301 309 317 325 334 342 351 361 370 380 389 397 404 412 330 334 337 341 346 351 357 365 372 379 387 396 404 413 420 428 437 445 454 464 473 483 492 500 507 515 For Producer Use Only, Not for Distribution to the General Public. Accidental Death Benefit At-a-Glance Product Features • Fidelity Life’s Accidental Death Benefit policy is available from ages 20 through 65. • Coverage limits between $50,000 and $500,000 • The policy is underwritten on a guaranteed issue basis— there are no medical questions on the application. • Most applications are approved within 24 hours. • The policy pays full benefits until age 70, at which time benefits reduce by 50%. Benefits then remain level at this reduced amount until the policy expires at age 80. Coverage Criteria Client must be US citizen or have permanent resident status (green card) Benefits If the Insured dies solely as a result of injuries will Fidelity pay the Accidental Death Benefit? Under this benefit, the term “injuries” mean bodily injuries due solely to an accident which results in the Insured's Death within 90 days of the accident. Attractive Rates unisex annual rates per $1,000 of base benefit (for ID & NJ rates see ADB Producer Brochure or www.fidelitylife.com) Benefit Amount Rates $50,000–$99,999 $100,000–$500,000 $1.04 (plus $50 policy fee) $0.99 (plus $55 policy fee) Riders Family Rider Inflation Rider Waiver of Premium Rider Return of Premium Rider Issue Age 20–45 46–50 51–55 56–65 * $0.45 $0.22 (with Family Rider) $0.17 (without Family Rider) 0.21951 times the total plan premium (including policy fee) Rider Premium Factor* 55% 60% 85% 125% Rider Expiry Year 30 25 20 15 Factor is applied to the total plan premium, including the policy fee. Exclusions* Return of Premium Rider (optional) No Benefit will be payable if the Insured's death results directly from the following causes: The ROP percentage available in each policy year varies by the age of the insured at issue, as shown below. a. Suicide: Suicide, while the Insured is sane or insane. b. War: War, declared or undeclared, or any act of war. War is defined as armed conflict between nations, or between factions of the same nation c. Military Service: Service in the military forces of any country at war or in any civilian noncombatant unit serving with those forces. “War” includes undeclared war. “Country” includes any international organization or group of countries. d. Aviation: Travel in, or descent from or with, any kind of aircraft aboard which the Insured is a pilot or crew member or is giving or receiving any training. “Crew member” includes anyone who has any duty aboard the aircraft. e. Natural Causes: Bodily or mental illness, disease or infirmity of any kind or medical or surgical treatment for any of these. f. Drug: The taking or injection of any nonprescription drug, hypnotic or narcotic, accidentally or otherwise. g. Blood Alcohol: Death while the Insured is operating a motor vehicle and is determined to have a blood alcohol level exceeding the legal limit as defined by state law. h. Felony: Injury received while committing a felony. * Exclusions may vary by state. Please consult state-specific policy language for details. Issue Ages Rider Premium Factor Rider Expiry Year Policy Year 20–45 46–50 51–55 56–65 55.0% 60.0% 85.0% 125.0% 30 25 20 15 Return of Premium Percentages by Policy Year 1-5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Note: Answering the above questions, does not guarantee a policy will be approved. 0% 1% 2% 3% 4% 5% 7% 9% 11% 13% 15% 17% 19% 21% 23% 25% 30% 35% 40% 45% 50% 60% 70% 80% 90% 100% 0% 2% 4% 6% 8% 10% 13% 16% 19% 22% 25% 30% 35% 40% 45% 50% 60% 70% 80% 90% 100% 0% 3% 6% 9% 12% 15% 22% 29% 35% 43% 50% 60% 70% 80% 90% 100% 0% 5% 10% 15% 20% 25% 40% 55% 70% 85% 100% For Producer Use Only, Not for Distribution to the General Public. Online Application System: Rapid App At-a-Glance Products Available through Rapid App ➤ Rapid Decision Express ➤ Rapid Decision Mortgage Term ➤ Rapid Decision Senior Life Whole Life ➤ Rapid Decision Senior Life Term ➤ Accidental Death Benefit What is Rapid App? ➤ Rapid App is Fidelity Life’s online application system that allows the agent to sell without being physically present with the customer. It provides the ability to obtain the customer’s electronic signature and submit the application directly to the company through the Internet in a convenient, paperless process. ➣ Pre-qualifies proposed insured ➣ Quotes multiple options for coverage ➣ Creates and submits applications online ➣ Collects an electronic signature • A system generated e-mail sent to applicant for electronic signature • Upon receipt of signature, the system automatically submits application to underwriting ➤ Applications are sent to Fidelity’s underwriting within hours and are assigned policy numbers. ➤ Agents can review policy status in Pending Business Detail ➣ Lists underwriting status ➣ Notes outstanding requirements How do you begin using Rapid App 2? ➤ Fidelity hosts weekly webinars that include Rapid App walk thru demos ➣ Go to “Click here for the Fidelity product training webinar schedule...” on the agent page (click “For Agents” tab on home page) of Fidelity’s website: www.fidelitylife.com ➤ All Fidelity licensed agents that register their Agent Login with a User ID and password will automatically have access to Rapid App ➣ Question should be made to Sales and Marketing Department • Phone: (866) 710-1013 • Email: sales@fidelitylife.com ➤ Once a Login has been setup, agents use “Agent Login” to get in to the Rapid App system ➣ ”Agent Login” is under “Quick Links” on the agent page (click “For Agents” tab on home page) of Fidelity’s website: www.fidelitylife.com ➤ User Id and Password set up ➣ To be set up by agent in “Agent Login” by clicking on “New Users click here” tab (under the User ID and Password boxes) • Asks agent to verify Fidelity agent # and last name, then sends temporary password to agent’s email (per agent data file). Agent follows prompt to reset to a personal password. Notes ➤ RAPID APP IS AN AGENT DRIVEN system and cannot be initiated by prospective consumers. M1100 01/2013