AccessLife+ - The Brokerage, Inc....from one or more policies by exchanging them for a paid-up AccessLife+ policy which provides guaranteed cash value, guaranteed death benefit and

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Underwriting Guide

AccessLife+Agent / Underwriting Guide

Life Insurance with a Chronic Illness Rider

2 AccessLife+ Agent Guide

Table of ContentsAccessLife+ Provide Better Benefits to Your Clients ................................................................. 3

AccessLife+ Product Information Optional Accelerated Riders....................................................................................... 5

AccessLife+ How to Fund Scenarios .............................................................................................................................. 7

NGL EZ Apply NGL Makes the Process Easy .................................................................................... 9 Step 1 - Complete Field Underwriting Calculating Rates ............................................................................................................. 11 Step 2 - Initiate Drop Ticket Getting Started .................................................................................................................. 12 Insured Information ......................................................................................................... 13 Step 3 - Tele-App Process Immediate Call ................................................................................................................... 15 Scheduled Call ................................................................................................................... 16 Step 4 - Signatures and Payment - Approval with Client Approved Signatures ...................................................................................................... 17 Payment and Frequency ............................................................................................... 17 Coverage ............................................................................................................................... 19

AccessLife+ Underwriting Guidelines Underwriting Information ............................................................................................ 20 Height and Weight Guidelines ................................................................................... 23 Underwriting Requirements ....................................................................................... 24 Aviation and Hazardous Sports ............................................................................... 24 Ineligible Drugs for Coverage .................................................................................... 25 Ineligible for Coverage ................................................................................................... 26 Chronic Illness Rider Eligibility Guide.................................................................... 30

AccessLife+ Service Information Viewing Policy Information .......................................................................................... 32 Policy Delivery ................................................................................................................... 32 Service ................................................................................................................................... 33 Important Things to Know ........................................................................................... 35 Contact Information ........................................................................................................ 36 Forms ...................................................................................................................................... 37 Notes ...................................................................................................................................... 38

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Provide Better Benefits for Your Clients

AccessLife+

The Chronic Illness Rider qualifies under section 101(g) of the Internal Revenue Code (IRC) and cannot be marketed or referred to as Long Term Care insurance.

Benjamin Franklin said, “If you fail to plan you are planning to fail.” There are many reasons people avoid financial planning. Most are unprepared for a lengthy retirement, do not have a will or have not done end of life planning. Many don’t know about or have ignored the need to plan for extended care and once they get around to doing so it is often too late.

What Makes AccessLife+ Different?

By successfully merging life insurance coverage and meaningful chronic illness benefits together,

you have a powerful tool to increase your marketing efforts and sales success.

Simple + It is designed for a client who is looking for an affordable, straightforward life insurance and chronic illness solution.

No gimmicks + The premiums and cash values are guaranteed. + The chronic illness benefit does not require permanent disability and is not discounted at the time of claim.

+ There is an option to accelerate 2% or 4% of the face amount paid monthly that is selected at the time of application.

+ The chronic illness benefit is paid in cash to the owner; there is no cumbersome reimbursement process.

Easy + The NGL EZ Apply underwriting process is designed to provide an expedited decision.

No paper + There are no paper applications with our easy electronic application process.

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Policy DetailsAccessLife+ is a whole life insurance product, with Single and Multi-pay plans including 5 and 10 year options, offering optional accelerated death benefits riders for chronic and terminal illness.

Issue ages:• Single pay: 18-75• Multi-pay: 18-70

Face amount limits:• Minimum: $25,000• Maximum: $250,000

📝 Note: Policy issuance and face amount will consider other in force coverage written or administered by National Guardian Life Insurance Company (NGL). At no time can in force coverage exceed $400,000.

Policy Premiums and Underwriting ClassesPremiums are banded based upon face amounts:

• Band 1: $25,000 - $99,999• Band 2: $100,000 - $250,000

Underwriting requirements and pricing vary by band. Policy premiums may vary depending on gender (except in MT), underwriting class and if they are a smoker or non-smoker. For more details see page 24.

Underwriting Classes:

AccessLife+ Product Information

Better Benefits for More People

Preferred Rider Standard Rider

Preferred Life Yes Preferred Life not available with Standard Rider

Standard Life Yes Yes

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Optional Accelerated RidersChronic Illness RiderChronically ill or chronic illness means that the insured has been certified within the preceding 12 months by a licensed health care practitioner as:

• Being unable to perform, without substantial assistance from another individual, at least two of the six Activities of Daily Living (ADL) due to loss of functional capacity for a period that is at least 90 consecutive days; OR

• Requiring substantial supervision to protect the insured or others from threats to health or safety due to severe cognitive impairment for a period that is at least 90 consecutive days.

Six Activities of Daily Living (ADL)1. Bathing - the ability to wash oneself or get in or out of the tub or shower without

substantial assistance.2. Continence - the ability to maintain bladder control, bowel function or the personal

hygiene necessary with this condition.3. Dressing - the ability to take off or put on all items of clothing and/or any artificial device

(ex. braces) that may be necessary.4. Eating - the ability to feed oneself or through intravenous delivery.5. Toileting - the ability to get to or from, or on and off a toilet without substantial assistance.6. Transferring - the ability to move in or out of a bed, chair or wheelchair without

substantial assistance.

DRESSING TOILETING TRANSFERRINGBATHING CONTINENCE EATING


Terminal Illness Rider Terminally ill or terminal illness means the insured has been certified by a physician as having a medical condition where the insured has a drastically limited lifespan of six months or less. The client has the ability to add the optional Terminal Illness Rider to the policy at the time of application, with no extra cost. Including this in the policy provides additional financial support when diagnosed with a terminal illness.

• This rider is automatically included if the client selects the Chronic Illness Rider.• No additional premium is charged for this rider.• The client may request an accelerated benefit up to 75% of the current face amount of the policy

subject to a minimum benefit of $1,000.• The accelerated benefit will be paid as a lump sum only.• An administration processing fee of $100 will be charged when the accelerated benefit is paid.

📝 Note: Use of the Terminal Illness Rider will terminate any use of the Chronic Illness Rider.

The Chronic Illness Rider includes:• An option to accelerate monthly 2% or 4% of the face amount which is selected at the time of

application. This cannnot be added after the policy is issued. • Clients can only accelerate up to 90% of the face amount, 10% is retained as a residual death

benefit.• Separate premiums which vary based on benefit option selected.• Once chronic illness benefits under the Rider have started to be paid, the policy premiums and

cash values on the base policy and applicable rider premiums will be proportionally reduced by the change in the base policy.

• If there is an outstanding policy loan balance, a portion of each chronic illness benefit payment will be applied toward repayment of the policy loan.

• This rider qualifies under section 101(g) of the Internal Revenue Code (IRC). » Clients should see their tax advisor prior to requesting benefits.

• Clients on disability or waiting for a disability claim should not apply for this Rider.• The Rider and the chronic illness benefit payments terminate on the earliest of:

» The date that the base policy is surrendered or terminated. » The date that the base policy face amount is reduced or goes to reduced paid-up status for an amount less than the minimum face amount as specified on the Base Policy Schedule Page found in your policy.

» The date the client elects to reduce the face amount or take a loan, if allowed under the base policy after chronic illness benefit payments begin.

• Upon payment of the Chronic Illness Rider benefit, the policy will remain in force but the required premium payable, the death benefit payable and the policy non-forfeiture values will be reduced proportionately based upon the amount of the accelerated chronic illness benefit.

📝 Note: This CANNOT be marketed or referred to as Long Term Care insurance.

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AccessLife+ How to Fund

American consumers often misunderstand who will pay for care when needed. Health insurance and Medicare do not pay for extended care. Medicaid is a means tested public assistance program that generally requires you to divest yourself of assets.

Cost of services, according to PricewaterhouseCoopers (2017), can best be viewed as “a quarter of the time less than $25,000, another quarter of the time the cost is over $240,000.” This means that most of the extended care costs fall somewhere in between. How will you solve this problem?

There are several ways for your clients to fund an AccessLife+ policy, it can be as easy as writing a check, using a certificate of deposit (CD) as a source or accessing an older life insurance policy. Below are a few examples.

Dave and Lisa both age 60, in good health and non-smokers.

Many Americans purchase some form of permanent life insurance that accumulates cash value. However, unlike AccessLife+ older policies do not include accelerated benefits due to chronic illness. Internal Revenue Code §1035 allows an exchange life insurance policy for an improved policy with no fear of taxable gain. Clients can dual purpose their cash value accumulation from one or more policies by exchanging them for a paid-up AccessLife+ policy which provides guaranteed cash value, guaranteed death benefit and chronic illness rider for extended care.

$35,000 in a CD

$66,217.65 New death benefit

1. 2.

$6,111 after 10 years

$11,544 after 5 years

1. Reposition $35,000 each from underperforming certificates of deposit. Dave would be able to buy $66,217.65 in coverage.

2. Dave and Lisa could also take an incremental approach. For example, Dave could purchase a policy for $100,000 by paying $11,544 per year for five years or $6,111 per year for 10 years.

$72,000Average out-of-pocket cost for long term care services and supports. U.S. Department of Health & Human Services, ASPE Research Brief (2015)


Unless your client otherwise planned ahead for extended care due to a chronic illness, all resources come into play:

• Social Security• Retirement income from investments, savings, pensions • Home equity• Contributions from family members

Depending on where your client lives, the care they want or need may require an outlay between $4,000 and $8,000 per month.* If their regular monthly income from Social Security and retirement is less than what’s needed they will have a monthly shortfall. Where will the money come from? You can help them bridge the gap with AccessLife+.

Jeanne is in her mid-80s. Her Social Security and retirement income are $5,000 per month. She has been diagnosed with Alzheimer’s disease and needs to move to a memory care community that costs $7,000 per month. If Jeanne had purchased an AccessLife+ policy when she was 65 for $100,000 with a 2% chronic illness rider, she could receive $2,000 per month for 45 months to cover the shortfall after she satisfies her 90-day elimination period. Additionally, there’s $10,000 reserved for her final expenses.

$2,000per month for

45 months

$100,000 AccessLife+ policy

$7,000monthly cost of memory

care community

$5,000 monthly retirement

income

$10,000remaining for final expenses

*(2018 Genworth Cost of Care Survey)

Regardless of using a primary or supplemental approach to mitigating extended care risk, AccessLife+ is the answer.

$51,559New AccessLife+

policy

Their current policies each have $25,000 they could transfer to AccessLife+. For Bob, it would buy him a paid-up life insurance policy of $51,559 or a chronic illness benefit of $2,062.37/month for 22.5 months. This would leave him with $5,155.92 for final expenses.

$5,155.92remaining for final expenses

$25,000 Original Policy

$2,062.37 per month

for 22.5 months

Chronic Illness Benefit

Bob and Susan, now age 57, purchased universal life insurance policies when they were 35. Their children have grown and started families of their own.

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AccessLife+ NGL EZ Apply

Please let your client know this process will take approximately an hour to complete. Log in to the agent website, MyNGLConnect.com, using Chrome or Firefox browsers when completing the information.

Please contact NGL’s Life Product Support Team with any questions: Phone: 800.762.9883 Email: [email protected]

📝 Note: The Tele-App process will end if an ineligible condition is determined during the process.

NGL Makes the Process Easy

Call Now - AccessLife+ NGL EZ Apply

Tele-App: 844.618.3548Hours: Monday - Friday 8 a.m. - 9 p.m. and Saturday 8 a.m. - 3 p.m. CST

Set-up an appointment If the client wishes to schedule a time for the call, they may choose a date, as well as a preferred time of day (morning, afternoon or evening). Include this information on Form #4677 Tele-App Prep, along with the case number.

📆 When scheduling an appointment for your client, send them a reminder to make sure they are ready for the call.

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Complete Field Underwritinga. Review your client’s eligibility with Form #4675-AL+ Pre-Interview Worksheet.b. Check client’s Rx drugs and health conditions for ineligibility.c. Leave the Form #4677-AL+ Tele-App Prep with the client. This form includes the Notice

to Insured that is required at the time of application.d. Access the rate calculator on MyNGLConnect.com to help determine the rate class and

quote premium. You can print a copy for your client or keep a copy for your records.

Initiate Drop Ticket Access this once the client clears your field underwriting.

a. On MyNGLConnect.com click ”Drop Ticket” and click “Start Interview.”b. Upon submission you will receive a case number (six digit code) that is needed for the

Tele-App process.c. The Tele-App process cannot be started until the Drop Ticket is submitted or you call

with the client to start the process.

Tele-App ProcessThere are two parts to the underwriting process.

a. Verification of client information.b. Health history questions and cognitive screening, if required.

Signatures and PaymentIf upon completion of the call the underwriting decision is determined, signatures and payment will be collected.


Pre-Interview WorksheetUse the Form 4675-AL+ Pre-Interview Worksheet to better understand your client’s current health status and eligibility for this product. This worksheet can be found on the agent website, MyNGLConnect.com. Most impairments listed will disqualify the client for coverage.

📢 If after filling out the Pre-Interview Worksheet you have specific questions, please contact our Underwriting Team at 800.762.9883 or [email protected]. If you are emailing, do not include client’s personal information.

📝 Note: Please submit specific questions only, Underwriting will not do pre-qualifications.

If you feel the client does not meet the criteria on the Pre-Interview Worksheet, please do not submit a Drop Ticket.

Drop TicketForm 4682-AL+ Drop Ticket is a paper form of the Drop Ticket for review purposes or if you would like to fill out on paper and then later complete online.

Preparing for your Tele-App(Required to leave with client)Form 4677-AL+ Tele-App Prep is an informational flyer that prepares your client for the Tele-App and includes the Notice to Insured, which needs to be left with your client.

📝 Note: This Notice includes: Protected Health Information Authorization, MIB Inc. Disclosure Notification, Fair Credit Reporting Act Notice, Prescription History Authorization and Release and Disclosure Authorization. If we determine medical records are required we will need a wet signed copy of the HIPPA-Auth Form.

Step 1

Tele-App Prep Form

Pre-Interview Worksheet

NGL created a kit of information and required forms to assist you when you are meeting with your clients. These kits can be ordered on MyNGLConnect.com and include:

Complete Field Underwriting

Underwriting QuestionsThis is a document that informs your client what health questions they will be asked so they can be prepared (Form 4677-AL+ HQ Underwriting Questions).

Disclosures and State Specific FormsThe AccessLife+ kits are state specific and include any necessary forms and disclosures you need to leave with your clients.

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Complete Field Underwriting Calculating RatesCalculating rates for your client is easy with NGL’s Rate Calculator. Log into MyNGLConnect.com. The calculator also allows you to print and leave a copy of the rate calculations with your client.

📝 Note: This is a rate quote and not an illustration. This product is not illustrated. The quote may change based on the final underwriting decision.

For more information please see the AccessLife+ Rate Calculator Training video on MyNGLConnect.com.

Information needed for Determining Rate Class1. Build - Height/Weight guidelines2. Smoker status with comorbidities, diabetes or asthma3. Impairments which may be acceptable risk4. Base underwriting conditions5. Answers to Activities of Daily Living (if applying for the Chronic Illness Rider)


Please log into MyNGLconnect.com to start the Drop Ticket. This will all be electronically completed, we do not offer paper applications. You must use Chrome or Firefox browsers when completing the information.

You will need to provide:• Agent information

» If there is more than one writing agent you will be able to include that information. • Agent number• Writing city/state• Where the policy will be mailed

» You can choose to have the policy mailed to you for delivery to your client or directly to the client.

• Proposed insured information• Beneficiary information• Other insurance and replacement information• Face amount of insurance, premium duration and riders• Current physician information

The left side of the Drop Ticket screen tracks your progress of what needs to be completed. The right side of the screen is a summary of information you provided. Both of these are useful as you complete the Drop Ticket. Please see AccessLife+ Drop Ticket Training video on MyNGLConnect.com for more details.

Step 2 Initiate Drop Ticket

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Initiate Drop Ticket The Drop Ticket - Insured InformationIf you would like to review what information needs to be collected for the Drop Ticket, utilize the Form 4682 Drop Ticket to help walk you through these questions.

Insured Information:• Name, address and contact information• Owner must be the same as insured to issue a contract

(this can be changed after issue)• Gender• If the client’s birthday is within 30 days of application a

note will display that premium may change if underwriting process takes longer

• Entire Social Security number• Driver’s License number and state issued in• Marital status• Occupation and details • Power of attorney or guardianship information• Driving history• Criminal background• Aviation and hazardous sports background

BeneficiaryThe client can select up to four beneficiaries, including both primary and contingent when completing the Drop Ticket. The beneficiaries can be a person or estate/charity or both if they wish to have multiple beneficiaries. If they choose to have multiple beneficiaries they will need to select what percentage each will receive and total 100%.

• If an estate or charity, name and address information will be requested.• If an individual, name, relationship to the insured, date of birth, Social Security number, gender

and address will be requested.• If there is a need for additional beneficiaries, contact NGL immediately following approval to

recieve further instructions at 800.762.9883.

📝Note: A contingent beneficiary is someone or something that receives the benefits of the policy if the primary beneficiary is no longer able to accept the benefits.

ReplacementMany states have regulations concerning policy replacement. If the client answers “yes” to the first replacement question, you will have the option to enter in the required replacement information. If you choose to do so, the appropriate state forms will be populated and voice signatures will be collected during the Tele-App. A paper copy of the signed replacement form will be mailed to the proposed policyowner within three days of receipt of the application.

If you choose not to enter the required replacement information, you will need to complete a paper copy of the form and provide it to NGL and leave a copy with your client.

📝Note: Form 2337-AL+ Section 1035 Exchange Assignment with a wet signature is also required for replacements specifically involving a 1035 Exchange.


Face AmountInclude the amount of insurance requested and if the client would like a Single pay, 5 pay or 10 pay.

Selecting the Riders When completing the Drop Ticket, the client has the option of selecting the Chronic and/or Terminal Illness Rider. If the Chronic Illness Rider is selected, the client will automatically receive the Terminal Illness Rider. If the Chronic Illness Rider is not selected, the client may still select the Terminal Illness Rider. If neither rider is selected, a life insurance only policy will be issued.

For the Chronic Illness Rider, the client will need to select to accelerate 2% or 4% of the face amount. This amount is chosen at time of application and may not be changed throughout the life of the policy.

Physician InformationThe client will need to provide their physician name, clinic name and clinic address..

Submitting the Drop TicketUpon submission of the Drop Ticket you will receive a case number. The last six digits are needed for the Tele-App process and payment forms.

You can check the status of your cases by going into the Drop Ticket and selecting Dashboard. This will allow you to search by Case Number, Policy / Certificate Number, Applicant Name, Agent Name, Agent ID or Case Creation Date.

📝Note: Before the Tele-App begins please provide the client with all state disclosure forms, including the Notice to Insured (second page of Form 4677-AL+ Tele-App Prep). State specific client kits with all required forms can be found on the supply section of MyNGLConnect.com.

📝Note: You may stop and restart the Drop Ticket at any point during the process.

*Use the last six digits of the case number for the Tele-App.

*

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Required InformationPlease work with your client to help them prepare for the Tele-App process. They will be asked to provide:

• Health conditions and medical diagnoses• Names and addresses of physicians• Medications and herbal supplements • Employment status• Driving history• Hobbies, sports and/or aviation• Bank information• Policy information on policies being replaced (company name, address and policy numbers)

Tele-App Phone: 844.618.3548 Hours: Monday - Friday 8 a.m. - 9 p.m. CST Saturday 8 a.m. - 3 p.m. CST

Verification of Client InformationTo start the interview, all client information collected in the Drop Ticket will be verified. Please be sure that the client has the required information with them for the interview. This will help the interview go smoothly.

Health Questions Your client will be asked questions about their medical history and health status and they should be prepared to discuss specific details.

Cognitive Screening (if required)The client may be asked to perform verbal activities to evaluate their cognitive condition if they are aged 60 and older or upon underwriting discretion. You cannot assist, listen or participate during the cognitive portion of the call.

Encourage the client to be in a quiet area where they can focus and take their time without interruption.

Step 3 Tele-App Process


Tele-App - Scheduled CallIf the client wishes to schedule the Tele-App call, a number of forms should be left with the client. These forms can be found in the AccessLife+ kit, which is available on the supply section of MyNGLConnect.com, and includes the following information for completing the Tele-App process:

• Form 4677-AL+ Tele-App Prep - Includes the Notice to Insured• Form 4677-AL+ HQ Underwriting Questions• Form 4684-AL+ Premium Page• Required State Disclosures

Drop Ticket Follow Up for Tele-AppDrop Tickets will remain active for 30 days and we will follow up three times with the client to try to finish the process. Please follow up with your client to remind them about the Tele-App completion process. The follow up schedule is:

Day 0: Make initial attempt within 24 hours of receipt

Day 2: Make second attempt

Day 4: Make third attempt

Day 6: Contact the agent if the client is unavailable

Day 8: The Drop Ticket will be marked as “Inactive”

Day 30: The Drop Ticket will be canceled

Once the call is scheduled, please call your client the day before to remind them of the call and the required information they should have on hand.

After 30 days the drop ticket will be canceled. If your client decides to proceed, a new drop ticket will have to be started.

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Approved SignaturesAgent and Client Present Agent NOT Present

Voice signatures are collected from Client and Agent

Voice signature is collected from Client, Agent will need to electronically sign

Payment and Frequency

Once an approved underwriting decision has been made, signatures and payments will be collected.

Step 4 Signatures and Payment

Payment Structure

Premium Mode Forms Needed Collection

Method

EFT Single pay or Multi-pay

Quarterly or Monthly

4684 Premium Page Phone or Paper

Check or Money Order

Single pay or Multi-pay

Quarterly, Semi-Annually

or Annually

4684 Premium Page

Paper (check and form must

be mailed)

1035 Exchange Single pay Annually

2337 Section 1035 Exchange

Assignment FormW-9 Taxpayer

Identification Number and Certification

Replacement Forms

Paper (must be mailed)

📝 Note: Include the case number on ALL forms submitted with payment.

📝 Note: Credit card payments are NOT available at this time.

📝 Note: The policy must be funded within 30 days with the exception of 1035 Exchanges.

📝 Note: Coverage begins on the effective date of the policy once payment has been received.


Check ProcessIf a client wishes to fund their policy with a check, complete the bottom section of Form 4684-AL+ Premium Page, including listing the case number, and mail this form along with the check to NGL using the return envelope found in the AccessLife+ kit.

📝 Please send checks/money orders to the address below or simply use the return envelope provided.

National Guardian Life Insurance Company (NGL) P.O. Box 2867 Clinton, IA 52733-2867

1035 Exchange ProcessThis option is available if choosing a Single pay policy. Since some carriers require the original 1035 Exchange paperwork, Form 2337-AL+ Section 1035 Exchange and Form W-9 Taxpayer Identification Number and Certification must be wet signed by the client and mailed to the contact information on the Section 1035 Exchange Form. These forms are available in the supply section of MyNGLConnect.com.

📝 Note: While replacement forms are also required with all 1035 Exchanges, these can be completed during the Tele-App process.

📝 Note: A policy with a 1035 Exchange takes longer to issue. The effective date of the policy will be when funds are received.

EFT Process

Scenario 1: Agent remains on the phone to hear the decision, approved as quoted.

1. Payment information will be taken over the phone after the decision is given in the interview.

Scenario 2: Agent is on the phone, approval is given, but rates differ from initial quote.

1. Payment information will be taken over the phone. Discuss with the client why the premium is adjusted and contact the Life Product Team 800.762.9883 to make any changes to the coverage amount.

Scenario 3: Agent is not on the phone, approval is given, but rates differ from initial quote.

1. When meeting with your client to complete field underwriting, leave Form 4684-AL+ Premium Page with the client, including listing the assigned case number. Discuss with the client the adjusted premium and contact the Life Product Team to make any changes to the coverage amount.

2. Upon approval the form may be faxed to 608.373.9508 or mailed with a return envelope.

3. If the client does not want to complete the required form, please call Life Product Team with the account holder and account information at 800.762.9883 so it may be processed over the phone.

Scenario 4: Agent is not on the phone and rates are approved as quoted.

1. When meeting with your client to complete field underwriting, leave Form 4684-AL+ Premium Page with the client, including listing the assigned case number.

2. Upon approval the form may be faxed to 608.373.9508 or mailed with a return envelope.

3. If the client does not want to complete the required form, please call Life Product Team with the account holder and account information at 800.762.9883 so it may be processed over the phone.

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CoverageConditional receipts will not be provided. The policy will not take effect until all eligibility requirements have been met, including receipt of premium by NGL, and not until the issue date stated in the policy. The 30 day free-look provision begins when the client receives their policy.

Down and Multi-PayIf the client would like to fund part of the policy via lump sum check or 1035 Exchange and the remainder paid with a multi-pay plan, elect the appropriate plan option in the Drop Ticket (Single pay, 5 Pay and 10 pay). You will need to send both the check or the 1035 Exchange requirements (originals with wet signature) and Form 4684-AL+ Premium Page for the multi-pay plan. No payment information will be collected during the Tele-App. Two policy numbers will be assigned and two contracts will be issued.

• A separate $25,000 minimum face amount applies to both the Single pay portion and the Multi-pay portion of the plan.

• The total face amount of the two policies need to remain the same (cannot be increased). • The claim benefit amount (2% or 4%) will not be different between the two policies (there is only

one place to pick that in the Drop Ticket or Tele-App process). • The multi-pay premium needs to be received by NGL within 30 days of the Tele-App.• Each policy will have an effective date of when funds are received.

DeclinedIf you are present with your client at the end of the Tele-App, you will be informed of the underwriting decision. Please make your client aware of the decision. Your client will also receive a letter from NGL informing them of the decline. For additional information regarding the reason for decline, please contact our Underwriting department.

If you are not present at the end of the Tele-App, you will receive an email with the underwriting decision. Please inform your client of the decision as soon as possible. Your client will also receive a letter from NGL informing them of the decline. For additional information regarding the reason for decline, please contact our Underwriting department.

Checking the Status of Submitted Tele-AppsAccess your dashboard through MyNGLConnect.com, select the name of the agent(s) on the left and select the date range on the right. When your date range is selected click “Load for Selected Agents.” The table will auto-populate in the order business was received for the selected date range.

Click on the column names to sort by the corresponding columns.

New Business Status• Business that has been accepted will show a green check mark to the right. • Business that has an exception that needs to be addressed will show a red ‘x’ next to the status.

You can double-click on the exception to see the reason.

Modified Endowment Contract (MEC)By nature of the premium amounts, all policies may be classified as MECs. When a policy is classified as a MEC, withdrawals and loans and surrender value are taxable to the extent there is a gain on the contract. If taxable, NGL will automatically withhold 10% unless instructed otherwise. Additional tax penalties may be incurred if the policyowner is under age 59 ½. We advise the policyowner consults with a tax advisor on the possible tax consequences.


AccessLife+ Underwriting Guidelines

Field UnderwritingYou are the first and most important step in the risk selection process.

Determining eligibility for this product utilizing the tools provided will avoid an adverse decision and time spent by you and your client completing the Tele-App process.

The NGL Rate Calculator will assist in determining the Rate Class your client may qualify for based on your review of the List of Ineligible Impairments, a few questions regarding health history and Activities of Daily Living while factoring in build and smoker status. If in doubt regarding which class to quote, we suggest that you quote the Standard rate class or contact our Underwriting Team to further discuss. Assuring your client is prepared for the NGL EZ Apply process with the needed information such as doctor name/address, beneficiary information, policy number and carrier name for replacements, reason for prescription drug history, etc. will provide a better customer experience.

Smoker ClassificationNo smoking of cigarettes, marijuana, e-cigarettes/vaping, hookah, or consumption of smoking cessation products in the past 12 months qualifies as a non-smoker.

Applicant AgeThe applicant’s age is the actual age or that of their last birthday. Age will be determined based on the policy issue date. There is no provision to save age when applying for this policy. If your client’s birthdate is close to the application date, we suggest quoting both ages in the event of any delays. The minimum issue age is 18; maximum issue age is 70 for Multi-pay, 75 for Single pay.

Base Underwriting InformationWhen using the Rate Calculator, you will be asked a few health conditions in order to determine which rate class should be quoted:

• Asthma• Diabetes not treated with insulin• Depression or anxiety• Controlled high blood pressure• Epilepsy or seizure disorder

The outcome of these questions along with Build and Smoker Classification will determine the rate class of Preferred or Standard, Non-Smoker or Smoker, or Decline. If Decline is indicated, please do not proceed with a Drop Ticket. This is not a guarantee of the rate class outcome as the final decision will be determined after all underwriting requirements are reviewed. Standard rates are designed as up to Table 4.

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Chronic Illness Underwriting InformationIf your client is applying for the Chronic Illness Rider a question regarding Activities of Daily Living will be asked to assist with determining the rate class quote of Preferred or Standard. Please remember if the rider is issued Standard, Preferred Life is not available. Standard rates are designed as up to Table 2.

What Could Delay the Tele-App Process? Technical difficulties during the Tele-App process could delay the completion of the process, including availability of external sources of data used in the underwriting process such as Medical Information Bureau (MIB), Rx, Motor Vehicle Registration (MVR), or cognitive testing. Should this occur, we will attempt to reschedule once the issues are resolved. We don’t anticipate this to happen often, but if it does we will do our very best to communicate on MyNGLConnect.com.

What Could Delay an Immediate Underwriting Decision?At times an immediate decision may not be available during the Tele-App process and may be referred to NGL Underwriters for further review. As an example an MIB code that doesn’t align with information provided by the client which may require additional information from either medical records or outreach to the reporting carrier to confirm the applicant’s identity.

Attending Physician Statement or Medical Records RequestIf an Attending Physician Statement or records are required, NGL will request that a “wet signed” HIPAA-Auth Form be submitted in order to expedite retrieval as many providers will not accept voice signed authorizations. NGL may be required to reach out to you further if the provider requires their own special authorization prior to release. Requests for records can delay underwriting decisions on average 30 days. NGL will request and pay for these records.

Additional Requirements may be Requested at Underwriter DiscretionOccasionally NGL may request requirements beyond the Age/Amount/Payment Mode if needed. As an example, if we received information regarding potential cognitive impairment from an external source used in the course of underwriting, we may request a cognitive test despite the age of the applicant.

What Do We Consider “Treatment or Advice”?Many questions within our application ask ‘have you consulted, received medical advice, or been diagnosed, treated, or prescribed medication by a member of the medical profession’ within a time period. Taking medication is considered treatment as are implanted devices as we consider that they are both treating a condition. Being advised to take medication is considered receiving medical advice. These examples would require affirmative answers.


Chronic ConditionsPlease be mindful that many conditions we ask about within the application are chronic conditions that don’t resolve or may not be ‘cured’ when considering look back periods. As an example, if a client advised that they had Chronic Obstructive Pulmonary Disease, but no longer have it, you should probe a bit further for any current medications, a pulmonologist, or any inhalers or breathing treatments.

Ineligible Conditions Our list of ineligible for coverage and prescription lists are not all inclusive, but intended as guides. Some conditions or prescriptions not listed as ineligible may be declined for complications or comorbidities not listed. The underwriters review and decision will govern in all cases.

Adverse DecisionIn the event we need to decline to offer coverage, we will provide the applicant with the reason(s) for our decision in writing with a copy to the agent.

Exclusion RiderAn exclusion rider may be offered as needed. Aviation other than commercial and hazardous sports are examples. Please see the Aviation and Hazardous Sports section on page 24.

Smoker ChangeSmoker classification change after issue will be available upon request. Please contact Life Product Team to inquire. A Smoker Questionnaire and evidence of insurability will be required. Any health history changes since original issue date will be considered in our decision.

Agent Management Quality business is important to us. We will monitor business submitted and placed. We will also randomly audit cases for accurate decisions.

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Height and Weight GuidelinesWeight below minimum or exceeding maximum are excluded from coverage.

HeightMinimum

WeightMaximum

Weight4’ 8” 75 1934’ 9” 78 199

4’ 10” 81 2064’ 11” 84 2135’ 0” 87 2205’ 1” 90 2275’ 2” 93 2345’ 3” 96 2415’ 4” 99 2485’ 5” 102 2565’ 6” 105 2645’ 7” 108 2725’ 8” 111 2805’ 9” 114 288

5’ 10” 118 2965’ 11” 122 3046’ 0” 126 3126’ 1” 130 3216’ 2” 134 3306’ 3” 138 3396’ 4” 143 3486’ 5” 148 3576’ 6” 153 3666’ 7” 158 3756’ 8” 163 3846’ 9” 168 393

6’ 10” 173 4026’ 11” 178 411

Find height in feet/inches, follow across to right to find minimum and maximum acceptable weight in pounds for this product.

📝 Note: Weight is one factor of eligibility. A build that is within these parameters does not guarantee acceptance.


Underwriting Requirements*

Amount applied for:

Age & Payment ModeAge 18-59 Single Pay

Age 18-59 Multi-Pay

Age 60-70 Single Pay

Age 60-70 Multi-Pay

Age 71-75 Single Pay Only

$25,000-$99,000 A A C C C

$100,000-$250,000 A B C D C

A = MIB and RxB = MIB, Rx and MVRC = MIB, Rx and Cognitive Test **D = MIB, Rx, MVR, Cognitive Test ***Additional requirements at NGL discretion.**Cognitive Test with CI Rider Application.If policy funded with 1035 Exchange, Single pay and Multi-pay requirements apply.

Aviation and Hazardous Sports GuideIn the past 12 months

or the next 12 Affirmed Action - All states other than South Dakota Action - South Dakota

AviationFlying as a pilot, student

pilot or crew member, other than commercial

Life with Exclusion Rider; No CI Available

Life with Exclusion Rider; No CI Available

Skydiving, Gliding, Parachute

Skydiving, hang gliding or parachuting

Life with Exclusion Rider; No CI Available Decline Life and CI

Scuba, Cave, Ice Nitrox

Scuba diving; recreational or ice

greater than 130 feet or cave, ice or nitrox greater than 110 feet


Mountain, Rock, Ice Expedition Climbing

Mountain climbing: greater than YDS

Class 5.0 or exceeding 13,000 feet. Rock, ice or expedition climbing or climbing other than in

North America.


Motor Racing Any motor powered organized racing


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Ineligible Drugs for CoverageThis list of medications are typically used to treat serious medical conditions that can result in declination of coverage. This list is a guide and not meant as an all-inclusive list, please consult Underwriting for additional information. This list can also be found on MyNGLConnect.com.

AbilifyAcamprosateActharAdrenocorticotropicAfrezzaAkinetonAmantadineAmpyra ERAmylaseAntabuseApidraApokynApomorphineAranespAriceptArtaneAtametAtgamAubagioAvonexAzasanAzathioprineAzilectBaclofenBasaglarBelimumabBenlystaBenztropineBetaseronBiperidenBreviblocBromocriptineBunavailBuprenexBuprenorphineCampralCarbidopaCarbidopa/LevodopaCetylevChlordiazepoxideCinacalcetClorazepateCogentinCompazineComproComtanCopaxoneCorticotropinCorvertCreonCyclosetCymbaltaDalfampridine

DantriumDantroleneDarbepoetin AlfaDesipramineDisulfiramDofetilideDolophineDonepezilDornase AlfaDronedaroneDuloxetineDuopaEldeprylEntacaponeEsmololEthmozineExelonExtaviaFentanylFerric CitrateFingolimodFosrenolGabapentinGabaroneGablofenGalantamineGilenya GlatiramerGlatopaHaldolHaloperidolHorizantHumalogHumulinIanthanum CarbonateIbutilideImuranInsulinInterferonIvacaftorKalydecoKemadrinKu-ZymeLevemirLevodopaLibriumLipaseLipramLodosynLumacaftorLyricaMemantineMethadone

MethadoseMexiletineMirapexMoricizineNaloxoneNaltrexoneNamendaNarcanNatalizumabNeuproNeurontinNorpaminNovolinNovologNuedexta NuplazidOcrelizumabOcrevusOmontysOrapOrkambiOxazepamPancreacarbPancreasePancreazePancrelipasePangestymePanokaseParcopaParlodelPeginesatidePergolidePermaxPertofranePertzyePhoxillumPimavanserinPimozidePramipexolePramlintidePregabalinProbuphineProcanProchlorperazineProcritProcyclidinePropafenonePulmozymeQuinidineRasagilineRazadyneRebifRenagel

RenvelaRequipReviaRevontoRythmolRopinirole HCLRotigotineRyanodexRytaryRyzodegSafinamideSelegilineSensiparSeraxSevelamerSinemetSoliquaStalevoSuboxoneSubutexSucroferric OxyhydroxideSymlinSymlinpenSymmetrelTambocorTamoxifenTasmarTegretolTeriflunomideTikosynTizanidineTolcaponeToujeoTranxeneTreminTresibaTrifericTrihexyphenidylTysabriUltraseUltresaVelphoroViokaceVivitrolXadagoXultophyZanaflexZelaparZenprepZinbrytaZubsolvZyprexa


Ineligible for Coverage

Condition Within 1 Year

Within 5 Years

Automatic Decline

Abnormal Heart Rhythm ✔AIDS/ARC/HIV ✔Alcohol Treatment/Support/Overuse ✔Alzheimer’s Disease ✔Amyloidosis ✔Amyotrophic Lateral Sclerosis or Lateral Sclerosis, Creutzfeldt-Jakob Disease (CJD), or Huntington’s Disease ✔

Aneurysm ✔Angioplasty ✔Aorta Disorder ✔Arrhythmia ✔Asbestosis ✔

Asthma-Hospitalized/> 3 ER Visits/Injectable Drug Treatment/Oral Steroids > 30 Days ✔

Atherosclerosis ✔Atrial Fibrillation ✔Barrett’s Esophagus ✔Bipolar Disorder ✔Black Lung ✔Bone Marrow Transplant ✔Brain Disorder ✔Build (height/weight) that is below minimum or exceeds maximum of Height and Weight Guidelines on page 24. ✔

Cancer (Other than basal cell of the skin) ✔Cardiomyopathy ✔Carotid Artery Disease ✔Cerebral Vascular Accident (CVA) ✔Chronic Bronchitis ✔Chronic Kidney Disease ✔Chronic Obstructive Pulmonary Disease (COPD) ✔Confined at Home, unable to participate in normal activites or bedridden due to disease, hospitalized ✔

Cognitive Impairment ✔

An application should not be submitted if any of the following conditions apply.

27


Within 5 Years

Automatic Decline

Congestive Heart Failure (CHF) or Heart Failure ✔Confusion ✔Coronary Artery Bypass ✔Coronary Artery Disease ✔Crohn’s Disease-Steroid or Immune Suppressant Treatment ✔Cystic Fibrosis ✔Dementia ✔

Depression with Hospitalization, Shock Therapy or Transcranial Magnetic Therapy ✔

Diabetes-Requiring Insulin ✔Drug Treatment/Support/Overuse or Misuse ✔Eating Disorder ✔Emphysema ✔Esophageal Varices ✔Heart- Disease/Defect/Attack ✔Heart or Circulatory Surgery ✔Heart Valve Disease ✔Hepatitis-Chronic ✔High Blood Pressure-Not Controlled ✔Intellectual Disability/Impairment ✔Kidney (Renal) Failure or Insufficiency, Dialysis, Liver Failure or Liver Cirrosis ✔

Leukemia ✔Lymph Node Chronic Disease ✔Lymphoma ✔Memory Loss ✔Metastatic Disease ✔Multiple Myeloma ✔Multiple Sclerosis ✔Muscular Dystrophy ✔MVR-Reckless Driving/Greater than 1 OWI or 2 Accidents ✔MVR-Suspended/Revoked/Surrendered ✔Narcotics > 120 Consecutive Days ✔Neuropathy/Nerve Damage ✔

Ineligible for Coverage cont.


Within 5 Years

Automatic Decline

Abnormal Heart Rhythm ✔AIDS/ARC/HIV ✔Alcohol Treatment/Support/Overuse ✔Alzheimer’s Disease ✔Amyloidosis ✔Amyotrophic Lateral Sclerosis or Lateral Sclerosis, Creutzfeldt-Jakob Disease (CJD), or Huntington’s Disease ✔

Aneurysm ✔Angioplasty ✔Aorta Disorder ✔Arrhythmia ✔Asbestosis ✔

Asthma-Hospitalized/> 3 ER Visits/Injectable Drug Treatment/Oral Steroids > 30 Days ✔

Atherosclerosis ✔Atrial Fibrillation ✔Barrett’s Esophagus ✔Bipolar Disorder ✔Black Lung ✔Bone Marrow Transplant ✔Brain Disorder ✔Build (height/weight) that is below minimum or exceeds maximum of Height and Weight Guidelines on page 24. ✔

Cancer (Other than basal cell of the skin) ✔Cardiomyopathy ✔Carotid Artery Disease ✔Cerebral Vascular Accident (CVA) ✔Chronic Bronchitis ✔Chronic Kidney Disease ✔Chronic Obstructive Pulmonary Disease (COPD) ✔Confined at Home, unable to participate in normal activites or bedridden due to disease, hospitalized ✔

Cognitive Impairment ✔




Within 5 Years

AutomaticDecline

Opioids > 120 Consecutive Days ✔

Organ Transplant ✔

Organic Brain Syndrome ✔

Oxygen to assist with Breathing ✔

Pacemaker Implant ✔

Pancreatitis-Chronic ✔

Paralysis ✔

Parkinson’s Disease ✔

Peripheral Vascular Disease ✔

Post-Traumatic Stress Disorder ✔

Power of attorney or guardianship in place currently due to any past or present mental or physical disability ✔

Procedure to improve Circulation to Heart or Brain ✔

Progressive Neurological or Muscular Disorder ✔

Psychosis ✔

Pulmonary Embolism (more than one) ✔

Pulmonary Hypertension ✔Receiving in-home personal care assistance or been advised to do so ✔Retinopathy ✔Residing in a group home or facility or been advised to do so ✔Sarcoidosis ✔Schizophrenia ✔Scleroderma ✔Seizure Disorder-Requiring more than 1 medication to control ✔

Sepsis/Antimicrobial/Antibiotic Resistant Infection withHospitalization ✔

Spinal Cord disorder ✔Stem Cell Transplant ✔Stent ✔Stroke ✔Suicide Ideation or Attempt ✔

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Within 5 Years

AutomaticDecline

Opioids > 120 Consecutive Days ✔

Organ Transplant ✔

Organic Brain Syndrome ✔

Oxygen to assist with Breathing ✔

Pacemaker Implant ✔

Pancreatitis-Chronic ✔

Paralysis ✔

Parkinson’s Disease ✔

Peripheral Vascular Disease ✔

Post-Traumatic Stress Disorder ✔

Power of attorney or guardianship in place currently due to any past or present mental or physical disability ✔

Procedure to improve Circulation to Heart or Brain ✔

Progressive Neurological or Muscular Disorder ✔

Psychosis ✔

Pulmonary Embolism (more than one) ✔

Pulmonary Hypertension ✔Receiving in-home personal care assistance or been advised to do so ✔Retinopathy ✔Residing in a group home or facility or been advised to do so ✔Sarcoidosis ✔Schizophrenia ✔Scleroderma ✔Seizure Disorder-Requiring more than 1 medication to control ✔

Sepsis/Antimicrobial/Antibiotic Resistant Infection withHospitalization ✔

Spinal Cord disorder ✔Stem Cell Transplant ✔Stent ✔Stroke ✔Suicide Ideation or Attempt ✔


Within 5 Years

Automatic Decline

Systemic Lupus Erythematosus (SLE) ✔

Terminal Illness or Life Expectancy of less than 12 months ✔

Transient Ischemic Attack ✔

Traumatic Brain Injury ✔

Uncontrolled Blood Sugar ✔



Condition/Impairment Timeframe DecisionActivities of Daily Living (ADL) Assistance or Supervision for any of the following activities: bathing, dressing, eating, transferring bed to chair, toileting, bowel or bladder control, walking or moving about

Within 2 years

Greater than 2 years with a full recovery,* no residuals

Within 5 years without full recovery

Decline

Standard - Considered

Decline

Adult Day Care or Hospice Services received or recommended Within 5 years Decline

Ambulatory/Mechanical Device-Motorized required or recommended Current Decline

Amputation/Loss of Limb/Vision Loss Within 3 years Decline

Assistance with Meal Prep or Delivery/Telephone/Laundry/Shopping/Medication/Finances (Instrumental Activities of Daily Living)

Within 2 years



Decline


Decline

Balance Problems Within 3 years DeclineChronic Fatigue Within 3 years DeclineChronic Pain Within 3 years DeclineCondition Causing Crippling or Limited Motion Within 3 years DeclineDialysis Machine Current DeclineDisabled Current DeclineFall-More than 1 Within 3 years DeclineFeeding Tube Within 5 years DeclineFibromyalgia Within 3 years DeclineGuillain-Barre Syndrome Within 3 years DeclineHome Health Care Services Within 5 years DeclineHospital Bed Current DeclineIV Antibiotic Therapy Within 5 years DeclineLyme Disease Syndrome Within 3 years DeclineMemory/Thought/Reason Impairments Within 3 years DeclineNeuropathy Within 3 years DeclineNumbness Within 3 years DeclineNursing Home/ Assisted Living/ Group or Other Facility Within 5 years Decline

Ostomy Within 5 years DeclineQuad Cane Current Decline

Rehabilitation Facility or Therapy

Within 2 years



Decline


Decline

Chronic Illness Rider Eligibility Guide

31

Condition Timeframe DecisionRheumatoid Arthritis Within 3 years Decline

Scooter Current Decline

Surgery Performed - Spine or Joint

Within 2 years



Decline


Decline

Surgery Recommended, not Performed - Spine or Joint Within 3 years Decline

Stair Lift Current Decline

Unstable Gait Within 3 years Decline

Vascular Access Port Within 5 years Decline

Walker Current Decline

Weakness Within 3 years Decline

Wheelchair Current Decline

Women < Age 55-Complication of Pregnancy

Within 3 years

Greater than 2 years ago with hysterectomy and a full

recovery*

Decline

Standard Considered

No affirmed conditions or impairments listed above Within application timeframes Preferred Considered

*Full recovery means-no need for assistance with any Activities of Daily Living, Instrumental Activities of Daily Living, or rehabilitative facility or therapy, and no residual pain, symptoms, limitations, crippling or limiting motion, assistive devices or durable medical equipment for > 2 years

📝 All conditions eligible for Preferred or Standard are subject to additional underwriting review.

📝 If Chronic Illness Rider is issued Standard, no Preferred Life is available.

📝 If Chronic Illness Rider is declined-life application may be subject to further review.


Viewing Policy InformationAfter an application has been approved, additional reporting can be found on the “Dashboard” section of MyNGLConnect.com. The Dashboard makes it easy to:• Review the status of your new and existing business• Search policies for real time values• View important messages and alerts regarding your business• Review correspondence that has been mailed to your clients• View commission statements• View contact information• Reports• Address book

Please see MyNGLConnect Training Guide (MNCGuideAL) for more details.

Policy DeliveryPolicies should be delivered to clients promptly and the delivery receipt should be signed and returned to NGL where required.

Information regarding declined applications must be communicated to the clients promptly. Never keep custody of any policy or contract for any period longer than absolutely necessary for purposes of analysis, record keeping or service review. Policies or contracts belonging to you or your immediate family are excluded.

AccessLife+ Service Information

33

ServiceAmendments From time to time signature amendments may be required to clarify a term of the contract, such as name spelling, the insured’s date of birth, or the policy face amount. NGL provides a return envelope along with each signature amendment included in the policy packet for the policyowner to mail to NGL. If delivering a contract with a signature amendment you may also fax the signed copy to 608.373.9508.

Changing the PolicyownerAll AccessLife+ policies will be issued with the insured person as the policyowner by default. To make a change to the owner, once active you may initiate the change by contacting customer service to have a form mailed to the current policyowner, or by providing the policyowner with the Policyowner Request for Service Form. Requirements:

• The current owner must complete Section 3 of the Policyowner Request for Service Form.• The form must be signed by both the current and new policyowner before a notary, the

document must contain a notary seal or stamp.• If the policy was purchased in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA,

or WI) the current owner’s spouse must sign the form or a note must be included attesting that the current owner does not have a spouse or they are deceased.

• A completed and signed W-9 for the new policyowner must be completed.

Reinstating a Lapsed PolicyThe AccessLife+ policy may be reinstated within three years from the date the last premium was due. The insured must complete the reinstatement application to be reviewed for proof of insurability. All health questions must be answered by the insured. The reinstatement application must indicate which riders if any they would like to reinstate along with the life benefit. Please contact our Life Product Team to request a reinstatement application.

Cash Value LoansLoans may be taken against the cash value of the policy, see the schedule of cash values within the policy. If there is a loan against the policy and claim is filed against the CI Rider, a portion of each CI payment will be deducted to repay the loan. This deduction from each CI payment will not exceed the benefit payable by the CI Rider.

Premium/Loan Payment Methods Options• If your client wishes to change their payment on a loan, please complete a Bank

Authorization for Premium Payment Form and include a voided check. • Or contact our Life Product Team to setup an automatic payments of policy loans.

Policy MaturityThe AccessLife+ contract will mature when the insured reaches attained age 121, see the contract for maturity benefit options.


Beneficiary Changes• The policyowner may request a beneficiary change any time while the insured is living. • Indicate the change in Section 3 of the Policyowner Request for Service form. • Form must be signed by the policyowner and the signature should be notarized. NGL will

accept a witness signature in lieu of a notary if the owner’s physical signature is on file. The beneficiary elect may not act as witness.

• If the policy was purchased in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, or WI) the owner’s spouse must sign the form or a note must be included attesting that the owner does not have a spouse or they are deceased.

Policy SurrenderThe policy may be surrendered for the cash value, see the schedule of cash values for more information. Requirements for the owner to surrender the contract:

• Complete section 21 of the Policyowner Request for Service form.• Include withholding instructions in the tax withholding portion of this form. Note: NGL will

automatically withhold 10% if no withholding instructions are provided. • Return the original policy or complete section 6 of the form, check the box No Action

Required.• Form must be signed by the policyowner and the signature should be notarized. We will


• If the policy was purchased in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, or WI) the owner’s spouse must sign the form or a noted must be included attesting that the owner does not have a spouse or they are deceased.

Face Amount ChangesIncreasing the face amount of the policy is not allowed after issue. To increase benefits the policy owner would have to apply for an additional policy. The maximum combined AccessLife+ face amount for all contracts is $250,000.

The face amount may be decreased as low as the minimum allowed for this product ($25,000). Requirements for the owner:

• Complete section 11 of the Policyowner Request for Service Form. • Form must be signed by the policyowner and the signature should be notarized. We will


• If the policy was purchased in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, or WI) the owner’s spouse must sign the form or a note must be included attesting that the owner does not have a spouse or they are deceased.

Non-Forfeiture Options (NFO)Extended Term Insurance is the default NFO that each policy will be issued with. The policyowner may request to change the NFO option to Reduced Paid Up Insurance by completing section 7 and 14 of the Policyowner Request for Service Form. Note that Automatic Premium Loan appears on the form but is not available for this product.

35

ClaimsAt time of claim, contact the NGL Claims Team who will guide you through the process and requirements. For additional detail, see the Claims Quick Guide available on MyNGLConnect.com.

Important Things to KnowInsurable InterestWhile the owner and insured must be the same person at time of application, there is an option to change ownership of the policy after it is issued. In order for a life insurance contract to be valid, the owner must have an insurable interest in the life of the proposed insured when the policy is issued. In most cases, the beneficiary must also have an insurable interest in the life of the insured. A person has an insurable interest in the life of the insured if the person is likely to suffer some loss or detriment if the insured dies.

The following situations meet the insurable interest requirement:• A blood relationship or family ties.• A debtor / creditor relationship (to the extent of indebtedness).• A corporation where an economic loss would occur if the partners, officer or key person

were to die.• When no other insurable interest exists, the estate of the insured should be named as the

beneficiary.

Policy Face Amount IssuancePolicy issuance and face amount is dependent on other policies in force with NGL. This means that while your client may have an approved decision from the Tele-App process, their accepted face amount is subject to our policy limit at NGL and may be reduced based upon existing coverage.

InterpretersNot available at this time.


Contact InformationLife Product Support Team 800.762.9883

[email protected]

Hours: Monday-Thursday 8 a.m. - 5 p.m. CSTFriday 8 a.m. - 4:30 p.m. CST

NGL Underwriting 800.762.9883Fax: [email protected]

National Guardian Life Insurance Company (NGL)

Two East Gilman St.Madison, WI 53703

USPS Mailing Address Only:P.O. Box 2867Clinton, IA 52733-2867

Express Mail Address:Attn NGL #13391315 - 19th Ave, NW, Mailstop R2Clinton, IA 52732

Tele-App Number and Hours 844.618.3548

Hours:Monday-Friday 8 a.m. - 9 p.m. CSTSaturday 8 a.m. - 3 p.m. - CST

Corporate Website www.nglic.com

Agent Website www.MyNGLConnect.com

37

Form Number Name Included in kit*

2337-AL+ AccessLife+ Section 1035 Exchange Assignment Form ✔

4634-AL+ NGL AccessLife+ Product Overview

4640-CI DISC-AL+ Disclosure Statement for Accelerated Benefit Rider - Chronic Illness ✔

4640-TI DISC-AL+ Disclosure Statement for Accelerated Benefit Rider - Terminal Illness ✔

4675-AL+ AccessLife+ Pre-Interview Worksheet ✔

4677-AL+ AccessLife+ Tele-App Prep (includes Notice to the Insured) ✔

4677-AL+ HQ AccessLife+ Underwriting Questions ✔

4682-AL+ AccessLife+ Drop Ticket ✔

4684-AL+ AccessLife+ Premium Page ✔

741-42-MNL Death Claim Form

Bank Auth. for Premium Payment Bank Authorization for Premium Payment (post-policy issue)

ENGL-14DD Return Envelope ✔

HIPAA-AuthForm Authorization to Release Medical Information ✔

Multi-Purpose Change Form Policyowner Request for Service

REPL-Model 2000-AL+ Replacement Form

W-9 RS Request for Taxpayer ID Number and Certification ✔

Forms

*Forms can be ordered individually or state specific AccessLife+ kits are available in the supply section of MyNGLConnect.com. These kits include all required forms in a state including state specific disclosures.


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Notes

40 AccessLife+ Agent Guide4706 V2 07/19

For agent use only. Not for distribution to the public. Product underwritten by National Guardian Life Insurance Company (NGL). National Guardian Life Insurance Company is not affiliated with the Guardian Life Insurance Company of America, a.k.a The Guardian or Guardian Life.

Two East Gilman Street • Madison, WI 53703 • www.nglic.com

Documents

AccessLife+ - The Brokerage, Inc....from one or more policies by exchanging them for a paid-up AccessLife+ policy which provides guaranteed cash value, guaranteed death benefit and