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Rapid Decision Lifefrom Fidelity Life Association
Agent Guide
Term...at the Speed of Life!
Product, Underwriting and Selling Guide
Issue LimitsBuild Chart
Prescription GuideMedical HistoryLifestyle HistoryForeign TravelDriving RecordPharmacy Guide
Financial JustificationApplication approvalsUnderwriting process
HEIGHT
TERM PERIOD ISSUE AGES
AGE
MIN TIER 1
NON-NICOTINE MINIMUM
EARNED INCOME
TIER 2
UNEARNED INCOME
TIER 3
NICOTINE MAXIMUM
4’ 8” 83 150 179 202
10 Year 18 - 6518 - 65 $50,00018 - 65 $1,000,000*†
20 - 30 30x 3x
5’ 8” 123 216 263 296
5’ 2” 102 180 219 246
STUDENT COVERAGE MAX
6’ 2” 146 256 312 351
4’ 11” 93 165 198 223
30 Year
*Issue limit - Age 50: $50K to $900K†Issue limits - Ages 18–44: $50K to $690K; Age 45: $50K to $640K
*Issue limits for Non-Nicotine user 30-year term - Age 50: $50K to $900K; Nicotine user 30-year term - Ages 18 – 44: $50K to $690K; Age 45: $50K to $640K.†The total combined amount of coverage available with all FLAproducts is $1,000,000
18 - 50* 18 - 45†
51 - 65 15x 3x
5’ 11” 134 236 287 323
5’ 5” 112 198 240 270
6’ 5” 158 277 337 380
6’ 8” 170 300 364 410
4’ 9” 86 155 185 208
15 Year 18 - 65 18 - 65
31 - 40 25x 3x
5’ 9” 127 223 271 305
5’ 3” 106 186 226 254
HS - $100K COLLEGE - $200K POST GRAD - $300K
6’ 3” 150 263 320 360
5’ 0” 96 170 205 230
UNEMPLOYED SPOUSES MAY HAVE 100% OF EMPLOYED SPOUSE UP TO $300K & 50% OF EMPLOYED SPOUSE OVER $300K
Unearned Income = SSI Benefits, Disability Benefits, Welfare, VA Disability
6’ 0” 138 243 295 332
5’ 6” 116 204 248 279
6’ 6” 162 285 346 389
6’ 9” 175 309 373 420
4’ 10” 90 160 191 215
20 Year 18 - 60 18 - 60
41 - 50 20x 3x
5’ 10” 130 229 279 314
5’ 4” 109 192 233 262
Earned Income = Employed Wages or Pension
6’ 4” 154 270 329 370
5’ 1” 99 175 212 238
6’ 1” 142 249 303 341
5’ 7” 119 210 255 287
6’ 7” 166 292 355 399
6’ 10” 179 318 383 430
BUILD CHART
RAPID DECISION LIFE - AGENT PRODUCT GUIDE
ISSUE AGES BY TERM PERIOD ISSUE LIMITS
FINANCIAL JUSTIFICATION
Term...at the Speed of Life!
MEDICATION TIER 1 TIER 2 TIER 3
2 BP & 1 Cholesterol N Y Y
1 Anxiety/Dep & 1 Sleep Aid
Blood Platelet (Plavix)
N
N
Y
N
Y
Y
2 BP & 2 Cholesterol N Y Y
2 Cholesterol & 1 BP N Y Y
2 Asthma (non steroid)
Narcotic Pain (Daily)
N
N
Y
Y
Y
Y
1 Anxiety/Dep, 1 BP, 1 Chol N Y Y
3 BP or Cholesterol N Y Y
Blood Thinner (Coumadin)
Methadone treatment
N
N
IC
IC
Y
IC
2 Anxiety/Dep (no anti psych) N Y Y
PRESCRIPTION UW GUIDE
NON VALID LICENSE FOR FOLLOWING REASONS ARE IC
The following states cannot have adverse actions taken for foreign travel
CHILD SUPPORT
CALIFORNIA
CONNECTICUT
COLORADO
FLORIDA
GEORGIA
ILLINOIS
MASSACHUSETTS
MARYLAND
MISSOURI
NEW JERSEY
NEW YORK
TENNESSEE
OKLAHOMA
WASHINGTON
NO INSURANCE
1. Approved As Applied For: Client will be issued new policy pages full coverage-no further documents needed by client2. Counteroffer: Client is approved pending premium tolerance & possible APS--delivery requirements involved must be accepted within 30 days of
medical decision3. Uninsurable: Due to medical exam/APS client will remain at split coverage--no further documents needed by client
NEVER HAD A LICENSE JUST MOVED
For applicants up to age 50, applying for up to $500K, approved preferred (Tier 1) there could be enough data for UW to waive the need for medical underwriting and offer 100% “all inclusive” death benefit in initial approval.
PARKING TICKETS EXPIRED TAG/LICENSE
COURT COSTS OUTSTANDING EMISSIONS TESTING
IF LICENSE FROM OTHER THAN RESIDENT STATE - NEED EXPLANATION
FOREIGN TRAVEL
LIFESTYLE HISTORY GUIDELINES
PENDING THE RESULTS OF THE EXAM - THERE ARE 3 POTENTIAL OUTCOMES
APPLICATION APPROVALS AND UW DECISIONS
When initially quoting, give the cost for the full amount of coverage they are requesting as offered by Fidelity Life Association – an “A” rated carrier that been around since 1896. For example: $500K/20 year term for a male age 35 at a preferred health rate class is $38 monthly.
Once interested/agreed upon, go into Rapid App and start filling out the application. Explain how Fidelity Life can provide coverage quickly (within 24-48 hours) with a convenient online application and UW process and once approved and covered, will follow up to schedule an exam and medically underwrite individuals to maximize their coverage.
Explain the initial coverage as a benefit in having protection right away, paying the full death benefit amount (i.e. $500K) in the event of accidental death and paying a specific portion (i.e. $150K) in the event of death by natural causes such as a Heart Attack, Stroke or any other health related cause.
Get affirmation from the customer that they are in good health and this type of coverage is statistically the most probable of happening prior to them taking their exam.
Be simple, clear, and brief when explaining what happens to their coverage after the exam. “If everything with your health is like we discussed then once Fidelity has the final approval, all of your insurance will be converted to “all-inclusive” which includes all medical and accidental death and the total amount of coverage (i.e. $500K) would be paid to their beneficiary.”
It is recommended to set the expectation of the exam immediately. The sooner they complete exam, sooner all cause coverage can be issued.
DRIVING HISTORY 0-2 YR 2-5 YR 5-8 YR 8-10 YR
DUI/DWI
Reckless Driving
License Suspended/Revoked
Ages 16 - 59 N/A Tier 3 Tier 2 Tier 2
Ages 16 - 59 Tier 3
Tier 2
Tier 2
Tier 1
Tier 2
OK
OK
OK
Ages 16 - 59 Tier 3 Tier 2 Tier 2 Tier 2
Ages 60+ N/A Tier 3 Tier 2 OK
Ages 60+
Ages 60+ Tier 2 Tier 2 Tier 2 Tier 2
DRIVING RECORD
MEDICAL HISTORY ADDITIONAL CLARIFICATIONADD & ADHD
DIABETES TYPE 1-INSULIN DEPENDENT
CAD- MILD INSUFFICIENCY/STENOSIS/ REGURG
ARTHRITIS-OSTEO
DISABILITY (PERMANENT)
HEPATITIS A (FULLY RECOVERED)
COLON POLYPS-BENIGN
ANXIETY/DEPRESSION MILD (NO TREATMENT W/IN 2 YR)
DIABETES TYPE 2 W/ TOBACCO
CANCER-BASAL CELL
ASTHMA W/ TOBACCO USE (MILD ONLY)
GERD
HYPERTENSION W/ PROTEINURIA
CROHN’S MILD/MOD 2 YRS NO SYMPTOMS
ANEMIA
DIABETES TYPE 2- W/ GOOD A1C 50+ YEARS
CAD-HEART MURMUR, GRADE 1-2 (TREATMENT)
ASHTMA (MILD NO HOSPITALIZATIONS)
FIBROMYALGIA/CHRONIC PAIN (MILD)
HERPES(GENITAL)
COPD-EMPHYSEMA MODERATE
ANXIETY/DEPRESSION MILD W/PSYCH OVER 5 YEARS
DIABETES-GESTATIONAL
CEREBRAL PALSY
ALCOHOL & DRUG ABUSE/DEPENDENCE
DIABETES TYPE 1-INSULIN DEPENDENT W/ TOBACCO
CAD-ANGIOPLASTY, STENT
ARTHRITIS-RHUMATOID OR PSORIATIC
FAMILY HISTORY (MORE THAN 1 DEATH)
HERPES (ORAL)
COPD-EMPHYSEMA MILD
ANXIETY/DEPRESSION MILD W/PSYCH W/IN 5 YEARS
DIABETES TYPE 2 W/ PROTEINURIA OR COMPLICATIONS
CANCER-SQUAMOUS CELL
ANXIETY/DEPRESSION MILD (W/IN 2 YEARS)
DIABETES TYPE 2- W/GOOD CONTROL BELOW AGE 40
CAD-MYOCARDIAL INFARCTION
ASHTMA(MODERATE & NO HOSPITALIZATIONS)
FIBROMYALGIA/CHRONIC PAIN (MODERATE)
HYPERTENSION W/ GOOD CONTROL
COPD-SARCOIDOSIS, LOCALIZED NON PULMONARY1YR+ RECOVERED
BPH OR PROSTATIS (AFTER 6 MO. OF TREATMENT)
DIVERTICULOSIS, DIVERTICULITIS & IBS
ANXIETY/DEPRESSION ANTI PSYCHOTIC MEDS
DIABETES & SLEEP APNEA, NEUROPATHY OR DI
GOUT-NO ALCOHOL OR LIVER PROBLEM
CHOLESTEROL-CURRENT TREATMENT
1-2 MEDICATIONS BY PCP
MUST ONLY BE DUE TO IRON DEFICIENCY
BASED ON A1C & OTHER IMPAIRMENTS
MUST ONLY BE DUE TO IRON DEFICIENCY
45+ YEARS OLD AFTER 6 MONTHS, MILD (1-3 VESSELS LESS THAN 40% BLOCKAGE) NO BYPASS, NO TOBACCO, NORMAL BP & CHOL & REGULAR CARDIAC FOLLOW UP WITH NO PROGRESSION OF CAD
LESS THAN WEEKLY, BRIEF EPISODES, INHALER
NO DISABILITY OR IMPAIRMENTS MILD MEDS
NO TREATMENT & NEGATIVE HIV
CAD, CANCER, DIABETES PRIOR TO AGE 60
CHECK FINANCIAL JUSTIFICATION
MILD-MOD DYSPNEA ON EXERTION W/O REST
NO STEROIDS PAST 2 YEARS
MILD/NO SYMPTOMS & NO TOBACCO
CURRENT USE OR ELEVATED LFT’S IS DECLINE
NO DISABILTY, HOSPITAL, ANTI PSYCH
SYMPTOMS MORE THAN 3X A WEEK, 2+ MEDS
MODERATE-SOME DISABILITY & NARCOTIC MEDS
NO PSYCH OR TRTMNT IN PAST 5 YEARS
Medical History GuidelinesTIER 1 TIER 3
NO
NO
YES
NO
NO
YES
YES
NO
YES
YES
NO
NO
NO
NO
NO
NO
YES
NO
YES
YES
IC
YES
YES
YES
YES
NO
NO
NO
NO
NO
YES
YES
YES
NO
NO
IC
YES
YES
YES
YES
NO
YES
NO
NO
YES
NO
YES
YES
YES
YES
YES
YES
YES
YES
NO
NO
YES
NO
YES
YES
YES
YES
YES
YES
YES
YES
YES
NO
NO
NO
NO
NO
YES
NO
YES
NO
NO
NO
YES
NO
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
NO
TIER 2YES
NO
NO
YES
YES
NO
YES
NO
NO
IC
YES
YES
YES
YES
NO
NO
NO
NO
YES
YES
YES
NO
YES
YES
YES
YES
NO
YES
IC
YES
YES
YES
YES
YES
NO
NO
YES
NO
IC
YES
NO
YES
YES
NO
YES
YES
YES
MEDICAL HISTORY ADDITIONAL CLARIFICATIONHYPOTHYROIDISM
SEIZURES-GRAND MAL/FOCAL/PARTIAL W/ CONTROL
MITRAL VALVE PROLAPSE W/TREATMENT
KIDNEY STONES
TIA
PARKINSONS
INSOMNIA W/ MILD TREATMENT
SLEEP APNEA MODERATE/SEVERE
NARCOLEPSY MILD NO TREATMENT
MEDICAL DECLINE BY ANOTHER CARRIER W/IN 5 YEARS
ULCERATIVE COLITIS
VASCULAR DISEASE + HTN OR CHOL
HYPERTHYROIDISM W/ TREATMENT
SLEEP APNEA MILD & UNDER CONTROL
MULTIPLE SCLEROSIS
LUPUS (SLE)
TOBACCO
VASCULAR DISEASE DVT NO SURGERY
WEIGHT LOSS SURGERY W/ NO COMPLICATIONS
KIDNEY DISEASE (CHRONIC)
SLEEP APNEA W/ TOBACCO & OR RATED BUILD
PANCREATITIS
SEIZURES-PETIT MAL
MITRAL VALVE PROLAPSE NO TREATMENT
NO RENAL FAILURE OR DIALYSIS--INCLUDES POLYCYS-TIC KIDNEY DISEASE, & NEPHROTIC SYNDROME
AI 21-40 & RDI 31-50
1 EPISODE, CAUSE UNKNOWN 2+ YEARS
NO USE WITHIN 12-24 MONTHS
6+ MONTHS NO TREATMENTS & NO COMPLICATION
AFTER 6 MONTHS
MILD NO DISTAL COLON/RECTAL 1+YEAR DIAGNOSE
MILD AI 5-20 & RDI 10-30
IF NO EPISODE, HOSPTAL W/IN 2 YEARS & CURRENT TREATMENT
NO TREAMENT OR EPISODES W/IN 3 YEARS
TIER 1 TIER 2 TIER 3YES
NO
NO
NO
NO
YES
YES
NO
YES
NO
YES
YES
NO
YES
YES
NO
NO
NO
NO
NO
NO
YES
YES
NO
NO
NO
NO
YES
YES
YES
YES
YES
YES
YES
NO
NO
YES
YES
YES
YES
YES
YES
YES
NO
NO
YES
NO
NO
YES
YES
NO
NO
NO
NO
NO
NO
NO
NO
NO
YES
YES
YES
NO
NO
YES
NO
YES
YES
YES
NO
NO
YES
DO NOT SUBMIT APPLICATION IF CLIENT TREATED OR MEDICATED FOR FOLLOWING CONDITIONS IN PAST 10 YEARS
ALCOHOL/DRUG TRTEATMENT (OK AFTR 5 YRS)
ALS/LOU GEHRIG’S
ALZHEIMERS/DEMENTIA
ANEURYSM
ANGINA/ATRIAL FIBRILATION
ARRHTYHMIA
AUTISM
CANCER
CARDIAC BYPASS/STENT
CARDIOMYOPATHY
CEREBRAL PALSY
CONGESTIVE HEART DISEASE
COPD/EMPHYSEMA (SEVERE)
CROHN’S DISEASE/ULCERATIVE COLITIS (LESS
THAN 2 YRS SINCE LAST SYMPTOMS)
CYSTIC FIBROSIS
DEFIBRILATOR/PACEMAKER
DIABETES+CARDIOVASCULAR
DOWN’S SYNDROME
HEPATITIS (OTHER THAN A)
HIV/AIDS
KIDNEY DISEASE
LEUKEMIA
LIVER DISEASE
LUPUS (SLE)
MALIGNANT NEOPLASM/LYMPHOMA
MENTAL ILLNESS/BIPOLAR
MITRAL VALVE PROLAPSE WITH TREATMENT
MUSCULAR SCLERORSIS
PARKINSON’S DISEASE
SEIZURES-GRAND MAL/PARTIAL/FOCAL (WITH ONLY
MODERATE CONTROL)
STROKE OR TIA’S
PANCREATITIS
ULCERATIVE COLITIS W/IN 2 YEARS
DRUG NAME DRUG NAMEKEY KEYIF PRESCRIBED FOR IF PRESCRIBED FORABILIFY COZAAR
ARIMIDEX EVISTA
BENZACLIN JUNEL FE
ALDARA DIOVAN/ HCT
AVANDAMET GLYCOLAX
CHANTIX LEVAQUIN
ACTOS DETROL LA
ASMANEX FOCALIN XR
CADUET LAMICTAL
AMBIEN/ AMBIEN CR ENDOCET
AVAIANE HYZAAR
COMBIVENT LEVOXYL
ACTONEL CYMBLATA
ARTHROTEC FLOVENT HFA
BUDEPRION SR/XL KEPPRA
ALPHAGAN P ELIDEL
AVAPRO HUMALOG
CIPRODEX OTIC LEVORA
ADVAIR DIGITEK
ATACAND GEODON
CELEBREX LANTUS
APRI ESTROSTEP FE
BACTROBAN JANTOVEN
COREG/COREG CR LIPITOR
COUMADIN TABS LOTREL
ACIPHEX CRESTOR
ARMOUR THYROID FLOMAX
BONIVA KARIVA
ALLEGRA-D EFFEXOR XR
AVANDIA GUAIFENEX PSE
CIALIS LEVITRA
ADDERALL XR DIFFERIN
ASTELIN FOSAMAX/ PLUS D
CATAPRES-TTS LANOXIN
ANDROGEL EPIPEN
AVODART IMITREX ORAL
CONCERTA LEXAPRO
ACTOPLUS MET DEPAKOTE/ER
ASACOL FLUZONE
BYETTA KLOR-CON
ALTACE ENABLEX
AVELOX HUMULIN
CLARINEX LEVOTHYROID
AGGRENOX DILANTIN
AVALIDE GLIPIZIDE XL
CERON-DM LESCOL XL
ARICEPT ETHEDENT
BENICAR/BENICAR HCT JANUVIA
COSOPT LOESTRIL 24 FE
SCHIZOPHRENIA/BI POLAR HTN
BREAST CANCER OSTEOPOROSIS
TOPICAL CREAM CONTRACEPTIVE
TOPICAL CREAM HTN
DIABETES CONSTIPATION
SMOKING CESSATION ANTIBIOTIC
DIABETES INCONTINENCE
ASTHMA ADHD-NOT BY A PSYCH
HTN, CHOLESTEROL SEIZURES
SLEEP AID PAIN
CONTRACEPTIVE HTN
COPD HYPOTHYROID
OSTEROARTHRITIS, PAGET’S DEPRESSION, ANXIETY, NEUROPATHY
ARTHRITIS ASTHMA
DEPRESSION SEIZURES
GLAUCOMA TOPICAL CREAM
HTN DIABETES
ANTIBIOTIC CONTRACEPTIVE
ASTHMA/ COPD CHF
HTN ANTI-PSYCH
OSTEROARTHRITIS DIABETES
CONTRACEPTIVE CONTRACEPTIVE
SINUS THROMBOSIS
HTN CHOLESTEROL
ANTICOAGULANT HTN
GERD CHOLESTEROL
HYPOTHYROID BPH
OSTEOPOROSIS CONTRACEPTIVE
ALLERGIES DEPRESSION/ANXIETY
DIABETES SINUS
ED ED
ADHD-NOT BY A PSYCH TOPICAL CREAM
SINUS OSTEOPOROSIS
HTN ABNORMAL RHYTHM
HORMONE ALLERGIES
BPH MIGRAINES
ADHD-NOT BY A PSYCH DEPRESSION/ANXIETY
DIABETES SEIZURES, MIGRAINES, BI POLAR
GASTRO FLU VACCINE
DIABETES HTN
HTN INCONTINENCE
ANTIBIOTIC DIABETES
ALLERGIES HYPOTHYROID
STROKE SEIZURE
HTN DIABETES
SINUS CHOLESTEROL
DEMENTIA/ALZHEIMERS DENTAL
HTN DIABETES
GLAUCOMA CONTRACEPTIVE
C A
C A
A A
A A
B A
A A
B A
B B
A B
A A
A A
B A
B B
A B
B B
A A
A B
A A
B C
A C
A B
A A
A B
A A
B A
A A
A A
A A
A B
B A
A A
B A
A A
A C
A A
A A
B B
B B
B A
B A
A A
A B
A A
C B
A B
A A
C A
C B
A A
PHARMACY GUIDELINES
DRUG NAME DRUG NAMEKEY KEY
KEY
PAIN MEDICATIONS
IF PRESCRIBED FOR IF PRESCRIBED FORLOVAZA VESICARE
A
TIER 1
NUVARING
SPIRIVA
MIRAPEX YASMIN 28
PROTONIX
TOPROL XL
LYRICA VYTORIN
PLAVIX
SULAR
NEXIUM ZYMAR
RESTASIS
TRINESSA
LUMIGAN VIGAMOX
C
TIER 3 to DECLINE
PATANOL
STRATTERA
NAMENDA ZOLOFT
RELPAX
TRICOR
METHYLIN XALATAN
PREVACID
TOBRADEX
NORVASC ZYRTEC
SEROQUEL
UROXATRAL
VALTREX
LOS-OGESTREL VIAGRA
B
TIER 2
OXYCONTIN
SPRINTEC
M-OXY ZETIA
PROVIGIL
TRAVATAN
METFORMIN WELLBUTRIN XL
PREMARIN
SYTHROID
NIASPAN ZYPREXA
RISPERDAL
ULTRAM ER
LUNESTA VIVELLE DOT
PAXIL CR
SUBOXONE
NASACORT/NASONEX ZOVIRAX TOPICAL
REQUIP
TRILETPAL
MICARDIS/HCT XOPENEX/HFA
PROAIR HFA
TOPAMAX
NOVOLOG
SINGULAIR
VAGIFEM
TRIGLYCERIDES INCONTINENCE
OKAY TIER 1 w/ DETAILS
Daily use of 1-2 non narc or 1 low dose narc
CONTRACEPTIVE
COPD
PARKINSONS CONTRACEPTIVE
GERD
HTN
NEUROPATHY/SEIZURES CHOLESTEROL
ANTI COAGULANT
HTN
GERD EYE INFECTION
EYE INFECTION
CONTRACEPTIVE
GLAUCOMA CONJUNCTIVITIS
NOT ACCEPTABLE FOR HYBRID
Daily use of 5+ non narc or 3+ narcotic
CONJUNCTIVITIS
ADHD-NO PSYCH
ALZHEIMERS/DEMENTIA DEPRESSION
MIGRAINES
CHOLESTEROL
ADD/NARCOLEPSY GLAUCOMA
GERD
GLAUCOMA
HTN ALLERGIES
SCHIZOPHRENIA/BI POLAR
BPH
ANTIVIRAL/HERPES
CONTRACEPTIVE ED
OKAY TIER 2 OR 3 w/ DETAILS
Daily use of 3-4 non narc or 2 narcotic
PAIN
CONTRACEPTIVE
PAIN CHOLESTEROL
NARCOLEPSY/SLEEP AID
GLAUCOMA
DIABETES DEPRESSION/SMOKING CESSATION
HORMONE
HYPOTHYROID
CHOLESTEROL SCHIZOPHRENIA/BI POLAR
SCHIZOPHRENIA/BI POLAR
PAIN
SLEEP AID HORMONE
ANXIETY
ADDICTION
ALLERGIES HERPES
PARKINSONS
SEIZURES
HTN ASTHMA
ASTHMA
SEIZURES/MIGRAINES
DIABETES
ASTHMA/ALLERGIES
ANTIBIOTIC
A A
A
B
C A
A
A
B A
B
A
A A
A
A
A A
A
B
C B
B
A
B A
A
A
A A
C
A
B
A A
A
A
A A
B
A
B B
A
A
A C
C
A
A A
B
C
A B
C
B
B B
B
B
B
A
A
New BusinessPhone: 877-704-6279Email: newbus@fidelitylife.comFax: 866-947-8735
Agent Support CenterPhone: 866-710-1013Email: sales@fidelitylife.com
Underwriting/Risk AssessmentsPhone: 866-947-8739 8am - 5pm CSTEmail: und@fidelitylife.comFax: 866-947-8734
Underwriting InterviewsPhone: 866-616-0712 8am - 4pm CSTPhone: 800-577-6011 12pm - 9pm CST
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