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MULTINATIONAL UNDERWRITERS
Lloyd’s Correspondent

IC+
Term Life Insurance for the International market.

PRODUCT DESCRIPTION / GENERAL UNDERWRITING GUIDELINES

Product:
Term Life Insurance – Up to 10 Year Term
No Cash Value
No Surrender Value
No Conversion Option

Underwriting Requirements:
Other Requirements:

If the total amount of Life Insurance applied for (all companies) is greater than or equal to $350,000, a Financial Questionnaire is Required. There are two Financial Questionnaires; 1 is required when the purpose of purchasing the insurance is Personal Protection, Inheritance Tax or in connection with a Private Residential Loan; the other is required when the purpose of purchasing the insurance is Key-man, or in connection with a Commercial Loan.

A Medical Questionnaire, completed within 30 days of Application, by a licensed Physician, is required at the following amounts of insurance:

Age Amount 35 or Under $225,000
36 to 45 $187,500
46 to 50 $150,000
51 to 55 $112,500
56 to 60 $ 75,000
61 to 65 $ 37,500
66+ Any amount.

Note, these guidelines apply to "clean" Applications only. If there are disclosures, individual consideration will be given, and a Medical Questionnaire may be required.

1. This product is available only to individuals residing outside the US at time of Application. Premium surcharges will be made for individuals residing in "hot" areas of the world.

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