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   GENERAL
      LIFE UNDERWRITING (EX-SCOTTISH AMICABLE LIFE PRODUCTS)

Life Cover and Critical Illness

The following table sets out the ranges of age and sum assured in which we automatically need certain medical evidence. The key to the requirements is:

MAR Medical Attendants report E Exercise ECG - Required for sums assured over £2.5 million for ages 41 to 45 and over £1 million for ages 56 and over. ME Medical Examination L Lipids - Required for sums assured over £2.5 million for all ages. ECG Electrocardiogram (Resting) NBS Refer to New Business C Critical Illness (see below for further details)

Age Application only MAR MAR & ME MAR, ME ECG (R) REFER to New Business Up to 40 nb Up to £250,000 £250,001 to £500,000 £500,001 to £2,500,000 C £2,500,001 to £5,000,000 C, L £5,000,001 and over 41 nb to 45 nb Up to £200,000 £200,001 to £400,000 C £400,001 to £1,500,000 C £1,500,001 to £3,000,000 C, E, L £3,000,001 and over 46 nb to 50 nb Up to £150,000 £150,001 to £300,000 C £300,001 to £1,000,000 C £1,000,001 to £3,000,000 C, E, L £3,000,001 and over 51 nb to 55 nb Up to £100,000 £100,001 to £200,000 £200,001 to £750,000 C £750,001 to £3,000,000 C, E, L £3,000,001 and over 56 nb to 60 nb Up to £50,000 £50,001 to £100,000 £100,001 to £750,000 C £750,001 to £3,000,000 C, E, L £3,000,001 and over 61 nb to 65 nb Up to £30,000 £30,000 to £75,000 £75,001 to £250,000 £250,001 to £1,500,000 C, E £1,500,001 and over Over 65 Up to £15,000 £15,001 to £75,000 £75,001 to £250,000 £250,001 to £750,000 C £750,001 and over

Medical evidence previously obtained will normally remain acceptable for a period of one year.

Underwriting requirements are based on the aggregate sum assured i.e. including sums assured under existing policies (but see above re policies taken out in the last year).
For any Critical Illness Cover between £250,000 and £500,000 the following apply:-

• We may require blood lipids for features such as positive family history, smoking over 20 cigarettes per day, rateable overweight and/or any history of cardiovascular disease or high blood pressure.
• Electrocardiogram (Resting & Exercise) will be required over age 40.

For any Critical Illness Cover over £500,000 the following also applies:-

Blood lipids and Electrocardiogram (Resting & Exercise) are always required as well as CXR for smokers over age 40.
For Family Income Benefit, the following table shows the commutation value of £1,000 per annum of Family Income Benefit which should be used in determining the sum assured for underwriting purposes only.

Term In Years	Commutation Value	Term in Years	Commutation Value
10	7,652	21	12,408
11	8,212	22	12,715
12	8,742	23	13,005
13	9,243	24	13,280
14	9,719	25	13,541
15	10,169	26	13,788
16	10,594	27	14,021
17	10,998	28	14,242
18	11,380	29	14,452
19	11,741	30	14,650
20	12,084

For example, for someone wishing to effect £5,500 per annum of FIB for 20 years, the commutation value for underwriting purposes would be:

5.5 x 12,084 = 66,462