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UNDERWRITING GUIDE
& RATE BOOK
Insurance Coverage That Helps You Manage The Financial Risks Of This Random Disease UNDERWRITING GUIDE & RATE BOOK
We understand the importance agents place on having applications approved and issued as soon as possible!The Underwriting Division is committed to this goaland we will work with you through every step of theUnderwriting process, to achieve it.
Please review this Underwriting Guide carefully. It has been designed to help you to complete an application and to help you understand the process of Underwriting and the procedures used to under-write a First Guardian Cancer Care policy.
TABLE OF CONTENTS
GENERAL INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 FEATURES AND PROCEDURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 TIPS FOR COMPLETING AN APPLICATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 REPLACEMENT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 SUBMITTING THE APPLICATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 REINSTATEMENT PROCEDURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 UNINSURABLE MEDICATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 MONTHLY BANK DRAFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 ANNUAL RATES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 UNINSURABLE MEDICATIONS (CONT.)
MONTHLY BANK DRAFT
MONTHLY BANK DRAFT
BASE PLAN
BASE PLAN WITH RETURN OF PREMIUM
Issue Age
Individual
Single Parent
Issue Age
Individual
Single Parent
PREMIUM MODAL FACTORS
* A one time application fee of $35 is also required.
GENERAL INFORMATION
Eligibility: Age 18 through age 85. The age is determined as of the date the application was signed even if there is
an age change before a policy is issued. Definition of Insured: If a husband and wife are insured, the Primary Insured is the oldest spouse,
and the Insured Spouse is the younger spouse.
Age of the Application: Applications must be received in the Home Office within fourteen (14) days of the date
Application Date: The application date MUST be the date the application was signed. Backdated
Effective Dates: Policy effective dates will usually be the application date. You may request
effective dates up to sixty (60) days past the application date. No backdating is allowed (i.e., the effective date can never be before the application date.) Signature on the Application: The agent MUST personally ask and record all of the
answers to the application questions from each person applying for First Guardian Cancer Care Seriescoverage. No other person, including the spouse, may sign on behalf of an applicant. The agent mustpersonally witness each applicant's signature. We do not accept Power of Attorney signatures.
C.O.D Business: Heartland does not accept C.O.D business.
FEATURES AND PROCEDURES
Return of Premium Rider
The company will return a percentage of premiums paid, minus any claims paid, under the
following circumstances:

1. If the policy lapses, or if the Primary Insured dies, after the 15th policy anniversary, 80%
of premiums less any claims will be returned; or 2. If the Primary Insured dies after the 5th policy anniversary and before the 15th policy
anniversary, 50% of premiums less any claims will be returned.
If the Primary Insured dies before the 5th policy anniversary, the Return of Premium Benefit will terminate and nofurther premium for the rider will be due. A Return of Premium Rider CANNOT be added after the policy is issued.
TIPS FOR COMPLETING AN APPLICATION
It is important to complete the application in its entirety because it becomes the basis for the policy (which is alegal contract). If the applicant answers “Yes” to any of the medical questions, the policy will be declined;
DO NOT SUBMIT the application.

TIPS FOR COMPLETING AN APPLICATION (CONT.)
Ask each question, exactly as written (don't paraphrase).
Record each answer exactly as given.
Complete the application legibly and in black ink.
Have each applicant initial and date any corrections or mistakes.
Use an additional sheet to record any pertinent information you feel would be helpful in evaluating the risk.
Have the applicant sign and date any additional sheets.
Use “white out” or similar substances for corrections or mistakes.
“Lead” the applicant when they are responding to a question.
Ask a general question (i.e. “Are you in good health?”) and then answer all of the medical questions on theapplication as “No”.
Complete an application by telephone or correspondence. The writing agent must be present at the time of ap-plication.
Allow someone other than the applicant to answer the application questions, unless it is a parent speaking for achild.
Answer questions with ditto marks (“) or dashes (–).
Answer questions with “N/A” (not applicable).
Use abbreviations unless you are sure they are correct.
REPLACEMENT
If this policy is replacing any other Accident and Sickness or Long Term Care insurance policy, record the policynumber and company name on the application, and complete and include a Replacement Notice with the applica-tion. SUBMITTING THE APPLICATION
The following is REQUIRED for the First Guardian Cancer Care policy application:
Application
Premium (including the $35 application fee)
Replacement Form: Necessary if a policy is replacing any Accident and Sickness or Long Term Care insurance
policy (if required in your state)
MDN-Cancer: Medicare Duplication Notice
There may be other forms not listed above that are required in your state. REINSTATEMENT PROCEDURES
All policies have a standard 31-day grace period followed by a 15-day conservation period. After 31 days, rein-statement applications will be accepted for up to one hundred and fifty (150) days from the date the policy lapsed.
After one hundred and fifty (150) days, a new application will have to be completed and approved before a new pol-icy will be issued. For more information, contact the Policyowner Service at 866-916-7971.
UNINSURABLE MEDICATIONS
If any applicant has taken any of the medications listed below for the treatment of cancer in the past ten
(10) years, DO NOT SUBMIT the application.
Applicants who have taken any of these medications in the
past ten (10) years are automatically declined.
RATES* (CONT.)
BASE PLAN
BASE PLAN WITH RETURN OF PREMIUM
Issue Age
Individual
Single Parent
Issue Age
Individual
Single Parent
* A one time application fee of $35 is also required.
Policyowner Service 866-916-7971

Source: http://www.naaip.org/heartland-underwriting-guide-with-rates.pdf

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