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The guide also explains underwriting classes and financial underwriting areas including premium finance programs, juvenile applications, and insurable interest rules, with references to attending physician statement standards and problematic risk 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......................... 5  \nLife Underwriting Requirements  .......................... 8  \nEZ Underwriting Classes  ................................19  \nElite, Preferred, Standard Plus/Select Criteria  .............. 20  \nFinancial Underwriting  ................................ 23  \nBusiness Insurance  ................................ 26  \nNational Life – Premium Finance Guidelines  ...............27  \nThreshold Criteria  ..................................27  \nPremium Finance General Process  ................... 28  \nEmerging Affluent Premium Finance Checklist  ............. 30  \nPremium Finance Program: Cover Letter to National Life  .....31  \nJuvenile Applications  .................................. 32  \nInsurable Interest – Owner/Beneficiary  ....................33  \nQuick Quotes  .........................................34  \nInformal Applications  ................................. 35  \nField Underwriting LSW’s Disability Income Rider  .......... 36  \nDisability Income Riders (DIR)  ...........................37  \nForeign National Guidelines  ............................ 38  \nApproved Countries  ....................................40  \nMedical Questionnaires  ................................42  \nAlcohol Usage Questionnaire  .........................43  \nArthritis Questionnaire  ..............................44  \nAvocation, Aviation & Foreign Travel  ...................45  \nBack Pain Questionnaire  .............................48  \nBlood Pressure Questionnaire  ........................49  \nBusiness Insurance Worksheet  ....................... 50  \nCardiac Questionnaire  ............................... 51  \nCriminal History Questionnaire  ...................... 52  \nDepression/Anxiety/Psychiatric Questionnaire  .......... 53  \nDiabetes Questionnaire  .............................54  \nDrug Questionnaire  ................................ 55  \nConfidential Financial Questionnaire  .................. 56  \nForeign National Questionnaire  .......................57  \nGastro-Intestinal Questionnaire  ...................... 58  \nGenitourinary Questionnaire  ........................ 59  \nMilitary Personnel Questionnaire  ..................... 60  \nMigraine Questionnaire  .............................61  \nMountain Climbing Questionnaire  .................... 62  \nRespiratory Questionnaire  .......................... 63  \nSeizure/Epilepsy Questionnaire  .......................64  \nStroke/Transient Ischemic Attack (TIA) Questionnaire  .... 65  \nTumor Questionnaire  .............................. 66  \nDiabetes Tentative Rating Charts  .........................67  \nAttending Physician Statement (APS) Guidelines  ........... 69  \nUninsurable and Problematic Risks  .......................70  \nMedical Condition  ..................................... 71  \nProbable Action  ....................................... 71  \nAfter Issue Contract Change Quick Reference Guide  .........77  \nProducts issued by  \nNational Life Insurance Company® | Life Insurance Company of the Southwest®  \nNational Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest (LSW), Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in New York and does not conduct insurance business in New York.  \nCentralized Mailing Address: One National Life Drive, Montpelier, [VT 05604 | 800-906-3310 | www.NationalLife.com](VT 05604 | 800-906-3310 | www.NationalLife.com)[ ](VT 05604 | 800-906-3310 | www.NationalLife.com)Last Updated August 2017  \nFor Agent Use Only – Not For Use With The Public  \nTC97004 (0817)P Cat No 62797 (0817)  \nPage intentionally left blank  .  \n2 For Agent Use Only","cbCaiq8zbt2IGPBF","https://ap.wps.com/l/cbCaiq8zbt2IGPBF","pdf",902471,84,"English","# Important Contact Information\n## Quick Tips for Efficient Processing\n## Approved Para med Vendors\n## Life Underwriting Requirements\n## EZ Underwriting Classes\n## Elite, Preferred, Standard Plus/Select Criteria\n## Financial Underwriting\n## Business Insurance\n## National Life – Premium Finance Guidelines\n## Threshold Criteria\n## Premium Finance General Process\n## Emerging Affluent Premium Finance Checklist\n## Premium Finance Program: Cover Letter to National Life\n## Juvenile Applications\n## Insurable Interest – Owner/Beneficiary\n## Quick Quotes\n## Informal Applications\n## Field Underwriting LSW’s Disability Income Rider\n## Disability Income Riders (DIR)\n## Foreign National Guidelines\n## Approved Countries\n## Medical Questionnaires","[{\"question\":\"What information and contacts are provided for underwriting submissions?\",\"answer\":\"The guide includes important contact information such as company website, application kit status, submission fax numbers, email addresses for underwriting requirements, and agent service contact details.\"},{\"question\":\"How does the guide support efficient processing of life and annuity applications?\",\"answer\":\"It outlines quick tips emphasizing Straight Through Processing and the availability of e-App to help ensure applications are completed in Good Order, reducing follow-up visits.\"},{\"question\":\"What types of medical questionnaires are included for underwriting?\",\"answer\":\"The guide lists condition-specific medical questionnaires, including arthritis, blood pressure, cardiac, depression/anxiety/psychiatric, diabetes, alcohol usage, and multiple other question sets, along with attending physician statement (APS) guidelines.\"}]","Life Insurance Underwriting Guide - Last Updated August 2017 | PDF",1789278962,29]