1. First Name: _________________ Middle Name: _________________ Last Name: _____________________

2. Sex: ¦ Male ¦ Female 3. Date of Birth: ______________ 4. U.S. TIN or SSN: ___________________

5. Current Citizenship: __________________________ (If NOT a U.S. citizen, a copy of a visa and passport will be required.)

6. a) U.S. Address (Please provide time spent in the U.S.): __________________________________________

b) Primary Address: _______________________________________________________________________

7. a) Insured’s Occupation/Duties ______________________________________________________________

b) Employer: ____________________________________________________________________________

c) Nature of Business: _____________________________________________________________________

d) Employer Address (Foreign): _____________________________________________________________

e) Employer Address (U.S.): ________________________________________________________________

8. List of any immediate family members of the insured residing in the U.S. by relationship, age and citizenship:

Name Age Relationship Citizenship

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

9. Face amount desired: _____________________________________________________________________

10. Source of premiums:_______________________________________________________________________

11. Purpose of insurance:______________________________________________________________________

12. Type of insurance (Term/Permanent): ________________________________________________________

13. Total Net Worth: _________________________________________________________________________

14. Total Net Worth in the U.S.: ________________________________________________________________

15. Balance of verifiable U.S.-based investments and bank accounts: _________________________________

continued >

Foreign Resident Inquiry Proposed Life to be Insured

For more information:

Policies issued by: American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas 77019 and The United States Life Insurance Company in the City of New York (US Life), One World Financial Center, 200 Liberty Street, New York, NY 10281. AGL and US Life are members of American International Group Inc., (AIG). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG).

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.AGLC107411REV0414 ©2014 American Interntional Group, Inc. All rights reserved.

American General Underwriting Highlights

•We’ll issue up to $1 million for a non-working spouse (age 65 and younger), if the working spouse has the same amount of coverage in force.

•Our table ratings are based on our Special Class (tobacco or non-tobacco) rates that are less than our standard rates! The result? Our rated premiums are often significantly better than the competition! Compare premiums, not underwriting classes.

•Admitted cigar use up to one per week, negative nicotine, no other tobacco use in 5 years can qualify for our best Non Tobacco rates - Preferred Plus!

•Mother/father family history only; sibling history is disregarded.

•Gender specific family history is disregarded in parent of opposite sex.

•Family history is not used over age 65.

•Age and Amount Tax Return Transcripts are not required for Universal Life applications through $5,000,000.

•No age and amount stress testing under age 51 for any amount.

•No stress testing required on Survivor Universal Life coverage on amounts of $20 million or less or for individual life coverage on amounts of $10 million or less.

•No medical examinations required for an individual deemed to be Uninsurable on Survivor Universal Life applications (just an APS and an agent completed Part B—no exam).

•Almost 40% of Standard rated applicants qualify for our more favorable Standard Plus rates! This rate class is available on Term and most Universal Life products.

•Underwriting programs – such as Preferred Offsets and Healthy Credits – allow underwriters to quantify the impact of favorable factors and improve offers.

•Expanded Standard – we accept Table B rates or up to $5 medical flat extra ratings at standard rates for most universal life products through age 70.

•Use our cutting edge Field Underwriting support tools on eStation – the AG Underwriting Tool and The AG Underwriting Impairment Library.

•Email quick quotes – short (15 lines or less) questions with no attachments, links, or personal information. Most answers are provided in 4 hours or less (Available for Brokerage General Agent use only).

•Informals – minimum $2,000,000 for Term, $500,000 for Universal Life applications. Submit your informals to informals@aglife.com.

Industry leading retention: •Up to $3,500,000 for term* •Up to $10,000,000 for permanent*

Auto Bind: •Up to $41,000,000 term •Up to $60,000,000 permanent

Jumbo limit of $65,000,000

Travel:•Travel of up to 8 weeks almost anywhere

in the world can qualify for our best Preferred Plus rates!

•Travel is not considered part of the underwriting evaluation for applications written in Florida and Georgia.

*Up to age 70, Table D or better.

Click HERE for more information.

NameEmail/Telephone

AddressAddress

License No (if req'd)

life insurance

For U.S. producers only, for use only in the United States. Not for public use or distribution.

Go GlobalWhy the ING Life Companies are the Place for your High Net Worth Foreign National (HNWFN) Business

A primary financial goal of many affluent people is a simple one – to transfer wealth to the next generation. It’s a pursuit that can be complicated by the financial and political scenarios in countries around the globe.

That’s where we come in. Life insurance may be a viable financial product to help in the wealth transfer process. The ING Life Companies offer a high quality portfolio of life insurance products that may be suitable for the dynamic financial planning needs of many affluent Foreign Nationals.

Getting startedWhile a conversation with your ING sales contact is best, we also have marketing materials to help educate you on both our overall approach to HWNFNs and our international underwriting guidelines. Both are available 24/7 on the ING for Professionals site (www.inglifeinsurance.com):

•HNWFNOverviewGuide(#155480)

•HNWFNUnderwriting&MarketingGuidelines(#169507)

These documents list the requirements to be approved by the ING Life Companies to sell HNWFN business.

Highlights of inG’s HnWfn Program: • Both U.S. and international (non-U.S.) ownership available

• Competitive portfolio of products, including term, indexed universal life and indexed universal life – guaranteed death benefit life insurance, plus advanced sales support that many HNWFN clients need for estate planning purposes

• Underwriting advantages, including dedicated international underwriters and high auto-bind coverage on term and cash value life insurance policies

Now is the Time

The HNWFN individual population grew strongly based on 2012 data, both in number and wealth across all wealth tiers, with relatively stronger growth among the higher tiers

Asia-Pacific is home to the majority of the fastest growing HNWFN individual country markets and is expected to soon be the largest HNW region in the world.

HNWFN individuals in the emerging markets of Latin America, Middle East and Africa, and Asia-Pacific (excluding Japan) have higher rates of business ownership, higher consideration for extended family in wealth planning, and higher allocations to real estate and alternative investments

Source: Capgemini Lorenz curve analysis, 2013

Name Sex o M o F Date of Birth

Height Weight Smoker? o Y o N State

Amount of Life Insurance Desired? Plan Desired?

1. Are you a U.S. Citizen? o Yes o No If Yes, please proceed to Part 2

a. Alien Registration Number

b. Issue Date Expiration Date

c. Citizenship Country of Birth

d. Country of permanent residence Do you own a home in the U.S.? o Yes o No

If yes, address please

e. Do you own a home in a foreign country? o Yes o No

If yes, where?

f. If married, does your family live with you in the U.S.? o Yes o No

If no, where does your family live?

2. Have you traveled outside of the U.S. within the last two years? o Yes o No

a. Purpose of visit?

b. Length of each visit? How often?

c. What country(s) did you visit?

d. Within each country visited, what city(s) did you visit?

e. Did you visit any rural areas? o Yes o No

If yes, where did you go?

3. Do you plan to travel outside of the U.S. in the next two years? o Yes o No

a. Purpose of visit?

b. Length of each visit? How often?

c. What country(s) will you visit?

d. Within each country visited, what city(s) will you visit?

e. Will you visit any rural areas? o Yes o No

If yes, where will you go?

4. Are you employed in the United States? o Yes o No

a. If yes, name and address of employer and your duties?

b. If no, please describe your sources of income while living in the U.S.

Signature of Proposed Insured Witness Date

121561 exp. 6/15

Foreign Travel Questionnaire

The following charts define how the insurers of American General Life Companies assess travel to various countries around the world.

Country Code To 8 Weeks 8 Weeks to 6 Months*A Best Class Best ClassB Best Class Standard Plus (or Standard Tobacco) C Best Class Std. Plus (or Std. Tob.) and $2 per 1,000D Best Class Std. Plus (or Std. Tob.) and $3 per 1,000E Decline DeclineIC Individual Consideration Individual Consideration

*Except where noted, extended travel (greater than 6 months) will be considered on a case-by-case basis and may be underwritten as a residency case under our Foreign National guidelines. In addition, extended travel (greater than 6 months) outside of the U.S. or Canada will require facultative reinsurance if over our internal retention.

PRODUCT AND COVERAGE AMOUNTSn All plans of insurance are available.n Autobind up to $41 million on Term and $60 million on Permanentn Jumbo Limit to $65 million n Individual Consideration for long-term travel (greater than 1 year) n Individual Consideration for amounts over $20 million, age greater than 70, rating greater than Table D.

Important Notes:n For quoting purposes only. Each case will be individually underwritten and assessed.n Country list and/or ratings will change as world conditions change.n Individuals residing or traveling in countries or jurisdictions under a current U.S. State Department Travel Warning will be Individual Consideration and may be declined.n Diplomats, embassy employees or missionaries assigned to a C, D or E country generally will not be considered for coverage. Missionaries assigned to A and B countries, and individuals taking short mission trips (21 days or less) to A, B, C, D countries will be considered.n Certain states prohibit Travel Warnings as the sole basis for an underwriting decision. Please refer to the applicable Underwriting Guidelines on State Restrictions on Foreign Travel for these states.n Florida and Georgia prohibit action based on foreign travel.

FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC.

Foreign Travel GuidelinesEffective November 1, 2012

Replaces previous version dated August 15, 2012

www.inglifeinsurance.com Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. All are members of the ING family of companies. © 2014 ING North America Insurance Corporation CN0331-16581-0416

Life iNSURANCe

153754 03/03/2014 For agent use only. Not for public distribution.

if you have any questions about international travel guidelines, please contact iNG insurance Sales Support at 866-iNG-SeLL (866-464-7355).

When the world is your clients’ playground, we are here to offer U.S. citizens and permanent residents consistent, fair treatment for short term international travel. The ING Life Companies have significantly improved our classifications and improved travel duration guidelines to make underwriting international travel easier and transparent for applicants.

For short term travel, applicants retain “travel from” jurisdiction classification, auto bind limit, and the best available rate. See the maps below for a representation of our current classifications. Keep in mind that circumstances may change, so please contact your ING Life Companies’ representative for details on any specific country. Travel to:

> A+ / A: Up to 12 weeks/year > B+ / B: Up to 12 weeks/year> C: Up to 6 weeks/year> D & E: None

Example A: Ireland is classified as an A+.

Travel is permitted up to 12 weeks per year.

Example C: Guatemala is classified as a C.

Travel is permitted up to 6 weeks per year.

Example B: Brazil is classified as a B. Travel is permitted up to

12 weeks per year.

IRELANDGUATEMALA

USABRAZIL

Adventure is waiting! iNG L i fe Companies Offer favorable Short Term internat iona l Trave l Underwr i t ing Guide l ines

Do you work with anyone who is a non-U.S. citizen?

Did you know they may have a crucial need for your life insurance planning expertise?

With the globalization of the world’s economies, we are in a remarkable time of opportunity, particularly with a group of people known as foreign nationals.

THE FOREIGN NATIONAL OPPORTUNITY

WHO IS A FOREIGN NATIONAL?To put it simply, a foreign national is a person who is a non-U.S. citizen or NRA (Non-Resident Alien). U.S. taxpayer status is irrelevant for the determination of status. Additionally, a U.S. carrier may offer a broader definition, for example U.S. citizens living abroad or persons who do significant foreign travel.

WHERE IN THE WORLD IS THE OPPORTUNITY?The opportunity is worldwide. With technology making the world smaller, there are often situations where a foreign national may own a business in the states or have children attending school here. Often there are substantial financial assets here as well. Each of these presents an opportunity for your planning expertise. In many jurisdictions around the world, the ability to buy significant amounts of life insurance is negligible or non-existent. These clients therefore look to the U.S. or offshore options to fulfill their life insurance needs.

WHY USE U.S.-BASED OR OFFSHORE PRODUCTS? • Capacity--often there is limited capacity in their own country • U.S. dollar is still considered a safe haven • Political and economic unrest in their own country is a concern • U.S. beneficiaries • Privacy and confidentiality concerns • Ex-pats….multi-national firms • U.S. assets such as homes, businesses, and brokerage accounts • Accustomed to having investments offshore or based in U.S.

The foreign national market is thriving and needs your expertise. Highland Capital Brokerage can help. Give us a call today.

121562 exp. 6/15

LIFE INSURANCE

For U.S. producers only, for use only in the United States. Not for public use or distribution.

High Net Worth Foreign National Marketing & Underwriting Guide

The world has gotten much smaller over time. Advances in technology, modes of travel, and communication methods have made it much easier for your clients to do business around the world. Chances are you work with someone who is not a U.S. citizen, or perhaps their parents are NRAs. These people are just like everyone else and have a need for your insurance expertise. They just have some additional considerations you may have to navigate. Highland Capital Brokerage can help you navigate the world of domestic and offshore insurance for foreign nationals. Our platform is unique in the marketplace, offering both an experienced team and a broad range of carriers to provide for either offshore or domestic needs. We can support you through the entire process from contracting to placing the case. Our underwriting advocates are experienced in this market and are capable of navigating the carrier guidelines to help you get what is best for your clients.

You already use us for your traditional business. Give us a try for the foreign nationals too.

121727 exp. 6/15

Your Passport to the Foreign National Marketplace

life insurance

ING Life Companies’ High Net Worth Foreign National (HNWFN) Market

International (non-U.S.) Ownership Guidelines

Under specific circumstances, we may allow individual HNWFN ownership of ING Life Companies’ (ING) life insurance, based on the specific requirements of the insured’s country/jurisdiction of residence.

At this time, ING will consider non-U.S. life insurance ownership in the following approved jurisdictions only:

chile • china • Hong Kong • Mexico • Taiwan

Please note: the approved list may be changed at any time based on legal, regulatory, compliance or political considerations within the discretion of ING.

international (non-us) Ownership

There are some important things you need to keep in mind while negotiating the complex market of HNWFN sales. Ask your local sales team for more information, but here are the requirement highlights:

1. Solicitation. All solicitation, including policy delivery, needs to take place in person in the United States.

2. Application. Current approved application must be used, and must comply with all other international underwriting guidelines.

3. U.S. Connection. The insured/policy owner must be able to demonstrate a meaningful connection to the United States. ING reserves the right in its sole discretion to determine whether an applicant qualifies for U.S. connection. At a minimum, at least one of the following connections must apply:

a. Real Estate – Insured/Policy owner owns real estate in the U.S.

b. Family Relationships in U.S. – Insured/Policy owner has immediate family relatives residing in the United States (immediate family includes spouse, children, brothers or sisters)

c. Financial Assets – Insured/Policy owner has financial assets in the U.S. for a minimum of six months prior to application (example: brokerage account or bank account).

d. Employment – Insured/Policy owner works for a U.S. company or owns a business located in the U.S.

4. Financial Underwriting. Policy owner must have a net worth of at least $2,000,000 verified by a third party acceptable to ING. The use of entities such as off-shore trusts or foreign businesses is not allowed for non-U.S. ownership purposes.

5. Medical Examinations. All medical exams and labs must be completed by ING-approved vendors in the United States.

For U.S. producers only, for use only in the United States. Not for public use or distribution.

Foreign nationals have several options to satisfy a U.S. life insurance need, but it requires expertise to understand thismarket and to help your clients select the best option. As a Brokerage GA, success in foreign national sales takes time,patience and consistency as well as a partner that has knowledge and experience you can draw on. John Hancock iswell positioned to be that partner. We pride ourselves not only in the expertise we offer to help you navigate thismarket, but also our world class capacity — another key to success in foreign national sales.

Underwriting Tips

The following must be provided in addition to our routine age and amount requirements:

Five-year medical history on APSs from all the appropriatephysicians and medical facilities. The APS must be provided inEnglish. John Hancock does not cover translation fees and thetranslator should be at arm’s length to the sale

A broker’s cover letter of introduction that includes:

� A detailed outline of the U.S. need

� Source of your referral to the Proposed Insured

� Proposed Insured’s background information and mention of any other publicly available information

� Source of insurance premium: At John Hancock we requirepremium to be paid from a pre-existing U.S. bank accountand billing address. It is important to note the accounthistory and to include how long it has been in place

Proof of identify, e.g., copy of passport or Visa

Copy of a completed Financial Statement and appropriateBrokerage Accounts statement must accompany theunderwriting file

Once a U.S. need is established all solicitation must take placein the U.S, regardless of the country of residence. Solicitation isdefined as the entire new business process, e.g., illustration,application, completion of underwriting requirements includingexaminations and policy delivery, etc.

January 2013

Navigating the ForeignNationals Market

KEY RESOURCES

Page 1 of 2. Not valid without both pages.

Agent and Broker Companion (ABC guide):� Available in print or online

at jhsalesnet.com

� Designed as acomprehensive referencetool to underwriting at JohnHancock, including criteria,build charts, etc.

� For foreign nationalsguidelines and countrycode lists, check pages 46–50

JH Life Guide:� Available online at

jhlifeguide.com

� Provides tools andresources to help you atevery step of the salesprocess, includingsolicitation, underwritingrequirements andsubmission tips, etc.

�

�

�

�

�

1. GENERAL REQUIREMENTS

A. Solicitation. ■ All solicitation and all related aspects of the sale from the initial contact forward (including policy delivery) must take place within the U.S.

■ No marketing materials or illustrations should be provided, delivered or e-mailed outside of the U.S.

B. Application, Medical Examinations and Policy Delivery. ■ All application sections and all medical examinations must be completed in the U.S. (Copies of exams done outside the U.S. for another company may be used along with an American General Part B completed in a state where the producer is licensed).

■ Medical exams performed at a U.S. embassy outside of the U.S. or on a vessel outside of foreign country territorial limits (international waters) will not be accepted.

■ The policy must be delivered in the U.S. in accordance with delivery requirements of the state of issue. For a foreign national, the state of issue and delivery will be the state where the real property used to establish the Substantial Contacts (as defined below) is located or the other applied Substantial Contacts occurs.

C. Premium Payments. ■ The initial premium and all subsequent premium payments must be drawn on a bank account in the U.S. ■ All premium payments must be in full compliance with Company OFAC and AML procedures.

D. Post-Issue Policy Communications. ■ All post-issue communications regarding the policy, including premium notices, should be mailed to an address of record within the U.S.

■ If the address of record is a P.O. Box, it must be owned and maintained by the policy owner.

Replaces previous version dated September 23rd, 2013

Visa Holder andForeign National Guidelines

December 9th, 2013 (Corrected copy January 29, 2014)

Important Notes: ■ For quoting purposes only. Each case will be individually underwritten and assessed. ■ Country list and/or ratings will change as world conditions change. ■ Term Insurance is not available for Foreign Nationals residing in B, C, D or E countries ■ Citizens of a U.S. territory are covered under our reinsurance treaty and will be handled as U.S. citizens.

■ Individuals residing in countries or jurisdictions under a current U.S. State Department Travel Warning will be Individually Considered (IC) and may be declined.

■ We cannot write residents or citizens of: Balkans, Belarus, Burma, Cote d’Ivoire, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, North Korea, Sudan, Syria and Zimbabwe.

Policies issued by: American General Life Insurance Company (American General Life), 2727-A Allen Parkway, Houston, TX 77019. The United States Life Insurance Company in the City of New York (US Life), One World Financial Center, 200 Liberty Street, New York, NY 10281. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life and US Life are the issuing insurer’s responsibility. US Life is authorized to conduct insurance business in the State of New York. Policies and riders not available in all states. Guarantees are subject to the claims-paying ability of the issuing insurance company. American General Life Companies, www.americangeneral.com, is the marketing name for a group of affili-ated domestic life insurers including American General Life and US Life. Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in that state. If uncertain, contact your American General Life representative for assistance. © 2014. All rights reserved. FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC.AGLC105410 REV0214

LIFE INSURANCE

For producer use only. Not for public use or distribution.

High Net Worth Foreign National Program And Guidelines

Underwriting Guidelines for Foreign Residents

Life Underw

riting U

nderwriting G

uidelines for Foreign Residents

October 2012

General Guidelines

Parameters Foreign Nationals1 U.S. Citizens Residing Abroad1

Solicitation • All solicitation must take place in the U.S.,regardless of the country of residence

• Solicitation includes, but is not limited to, theillustration process, completion of the applicationand underwriting requirements, includingexaminations and delivery of the policy

• See “U.S. Connections Guidelines” on page 2

• All solicitation must take place in the U.S.,regardless of the country of residence

• Solicitation includes, but is not limited to, theillustration process, completion of the applicationand underwriting requirements, includingexaminations and delivery of the policy

Minimum Issue Age 20 20

Maximum Issue Age • 75 for A, B and C countries• 70 for D countries

• 75 for A, B and C countries• 70 for C countries if net worth less than

$5 million• 70 for D countries

Minimum Net Worth $5 million U.S. or equivalent N/A

Minimum Face Amount $1 million Minimum face amount for product

Maximum Mortality Rating 200% 200%

Maximum Capacity forPermanent Products2

• $35 million for A and B countries• $12 million for C and D countries• $40 million for Canada

• $35 million for A and B countries• $12 million for C and D countries• $40 million for Canada

Maximum Capacity for TermProducts

Available only for U.S. business needs:• $31 million for A and B countries• $12 million for C and D countries• $22 million for Canada

• $31 million for A and B countries• $12 million for C and D countries• $22 million for Canada

Jumbo Limit3 $35 million4 $35 million4

Premium Payment Premium must be paid from a pre-existing U.S. bank account and billing address. The account and addressmust exist for more than just this insurance

Ownership Structure • The owner must have a U.S. Tax ID, SSN or must complete W-8BEN(www.irs.gov/pub/irs-pdf/fw8ben.pdf)

• Offshore trusts or other type of foreign ownership are not allowed• Two-party ownership (i.e., personal ownership) is allowed

Purpose of Insurance Purpose of insurance must be clearly outlined, and a reasonable, demonstrable insurable loss must exist

1. A foreign resident for life insurance purposes must be either:• A U.S. citizen who resides outside the U.S. for more than six months per year (183 days) OR• A foreign national – a non-U.S. citizen who resides outside the U.S. for more than six months per year (183 days), has a meaningful tie to the U.S., and has a net

worth of $5 million U.S. or more2. Capacity may vary in the following scenarios:

• For ages 71–75 (where applicable)• For U.S. citizens, if net worth is less than $5 million U.S. or equivalent• For residents of China, Hong Kong, Macau and Singapore• For M-proprietary products

3. The Jumbo Limit is the sum of all inforce coverage plus pending formal applications including ultimate amounts on John Hancock policies. Existing insurance that isbeing replaced will be deducted, providing we receive a fully executed absolute assignment transferring ownership to John Hancock.

4. The Jumbo Limit for Canada is $65 million for permanent and term products; does not apply to M-proprietary products.

Page 1 of 5. Not valid without all pages.

HCB Foreign Resident Questionnaire

AIG Foreign Travel Highlights

ING HNWFN Short Guide

HCB Foreign Travel Questionnaire

AIG Foreign Travel Guidelines

ING HNWFN Short Term International

Travel Underwriting

AIG Visa Holders & Foreign National

Guidelines

ING HNWFN Program & Guidelines

JH Underwriting Guidelines for Foreign

Residents

HCB Foreign National Opportunity Flyer

ING HNWFN Marketing & Underwriting Guide

JH Foreign Travel Producer Brochure

HCB Passport to the Foreign National

Marketplace

ING HNW International Ownership Guidelines

JH Navigating Foreign Nationals Marketing

Producer Flyer

Underwriting for Foreign Nationals, Foreign Residents, & Foreign Travel RESOURCES AVAILABLE TO YOU THROUGH HIGHLAND CAPITAL BROKERAGE

continued

Summary

Definition of Foreign

National

Eligibility

Guidelines

Exclusions

Product and Ratings

Auto bind and Jumbo

Limits

List of Eligible

Countries **For spouses of foreign nationals without their own nexus to the U.S., the amount of individual coverage available will be limited to the lesser of the amount of coverage on the spouse (with the nexus to the U.S.) or $2.5 million. Applications on both spouses must be submitted concurrently. All solicitation, application, exams and lab tests must be completed in the U.S. If the spouse with nexus to the U.S. is declined or the case is closed or withdrawn for any reason, no offer will be made to the spouse without nexus. This does not apply to survivorship products.

Definition For purposes of these guidelines, a Foreign National is defined as one of the following:

• A citizen of a country included on the list of Approved Countries (next page) residing in the U.S. without a permanent visa.

• A U.S. citizen or a permanent resident (green card) living abroad more than 12-weeks in one year in one of the countries on the Approved Countries list.

• A citizen of a country included on the list of Approved Countries living outside the U.S. more than 12-weeks in one year in one of the countries on the Approved Countries list.

Eligibility • Age 18 to 80 • The proposed insured must have a purpose for being in the state of solicitation other than the purpose

of buying life insurance, which can be demonstrated by the points below. • U.S. interests – proposed insured** must have significant, legitimate interests in the U.S. and

have been physically present in the U.S. for 15 days in the preceding 12 months. For purposes of these guidelines, U.S. interests include one or more of the following:

o U.S. residence o Other significant U.S. property ownership interests o Primary Employment in the U.S. o Owner of established foreign company actively engaged in business for the past

12 months and transacting business in the U.S. o U.S. Bank or brokerage account established at least 6 months prior; with a

minimum balance of $500,000 • Must have a U.S. social security number, Tax ID number or complete IRS form W-8. • Must have a basic understanding of the English language. If translation assistance needed for

completion of the paramedical exam, please contact Vendor Management. • An LLC or a trust established in the U.S. does not meet nexus requirements unless one of the

above eligibility criteria is met.

The guidelines above are not meant to be all inclusive. Due to the complexity of individual case circumstances, Underwriting and Legal will decide if nexus qualification meets Lincoln’s criteria.

Guidelines

• All solicitation must occur in the U. S. and adhere to Lincoln’s Situs Guidelines • Application, medical exams, labs and tests must be completed in the United States • Cover letter from producer outlining need for insurance coverage • Foreign Travel and Residence Supplement • APS must be translated into English by a non-related third party vendor; home office translation

service is available for Spanish and Japanese, please contact your underwriter • Owner must be insured, family member, U.S. business or U.S. trust • Two quarters of bank or brokerage statements to verify amount and minimum six month

timeframe if a U.S. Bank or Brokerage account is the only nexus to the USA

Foreign National Guidelines

Estate Tax Exposure for Non-Resident Aliens Owning U.S. Real EstateIf you own real estate in the United States (U.S.) and you are not a U.S. citizen, your property may be exposed to U.S. federal estate tax upon your death. Under U.S. federal law, foreign nationals residing permanently outside of the U.S. may be subject to estate taxes on U.S.-based real estate, depending on the manner in which title to this property is held. If U.S. estate taxes apply and your family does not have cash to pay this liability within nine months of your death, they may be forced to sell your property to create the liquidity necessary to pay the tax bill. In other words, instead of receiving the entire value of your U.S.-based assets, your loved ones will receive only a fraction. Use the chart below to determine your potential exposure to U.S. federal estate tax.

Is Your u.s.-Based ProPertY at rIsk?

You’ve worked hard to provide for your family. How can you maximize what you leave to your loved ones when you can no longer be there for them?

Life insurance from Transamerica Life Insurance Company or Transamerica Financial Life Insurance Company is an effective solution for offsetting U.S. estate taxes. With life insurance, you can:

n Provide immediate cash to pay U.S. estate taxes.

n Keep your property in the family.

n Help ensure your family will receive the entire value of your estate.

n Enjoy U.S. income tax-deferred growth of policy cash values.

Contact a Transamerica representative or a life insurance professional today.

How do you own your U.S.-based real estate?

DIRECT U.S. CORPORATIONFOREIGN CORPORATION U.S. PARTNERSHIP FOREIGN PARTNERSHIP

Are You Exposed to U.S. Estate Tax?

Yes. Fair market value of property on date of death is subject to estate tax.

Yes. Fair market value of corporate assets on date of death will be subject to estate tax in proportion to shareholder’s ownership interest.

No. Possibly.1 Fair market value of partnership assets on date of death may be subject to estate tax in proportion to partner’s ownership interest.

Possibly.2 Fair market value of partnership assets on date of death may be subject to estate tax in proportion to partner’s ownership interest.

Maximum Amount That You Are Allowed to Shelter From Tax

$60,000 $60,000 N/A $60,000 $60,000

Estate Tax Rate Applicable to Value in Excess of $60,000

40% top tax rate 40% top tax rate N/A 40% top tax rate 40% top tax rate

Is one of your clients a resident of a foreign country? MetLife can write a policy in the United States on the residents of more than 60 countries. The list below shows which countries are eligible as of April 1, 2014.

Locate your client’s country of residence, then refer to the code information below for coverage guidelines.

Foreign Resident Coverage GuidelinesThis is the amount of coverage available if risk is acceptable. Minimum face amount is $250,000.

Coverage on survivorship life is not available.

For Producer Use Only. Not for Public Distribution.

Underwriting Alert Foreign Resident Program

COUNTRY CODE COUNTRY CODE COUNTRY CODE COUNTRY CODE

Antigua and Barbuda A Denmark A Mexico4 B St. Maarten A

Aruba A Dominican Republic B Monaco A Singapore A

Australia A Ecuador B Montserrat A South Africa C

Austria A Germany A Morocco B South Korea A

Bahamas B Greece A Netherlands A Spain2 A

Barbados A Grenada A Netherlands Antilles A Suriname B

Belgium A Guatemala C Nicaragua C Sweden A

Belize C Honduras C Norway A Switzerland5 A

Bermuda A Hong Kong A Oman A Taiwan A

Bolivia C Indonesia C Pakistan C Trinidad and Tobago B

Canada1 A Israel3 A Peru B Turkey B

Chile A Italy A Poland A Turks and Caicos A

China B Jamaica B Portugal A Ukraine B

Colombia C Latvia A Romania A United Arab Emirates A

Costa Rica B Luxembourg A Russian Federation B United Kingdom A

Curacao A Malaysia B St. Kitts and Nevis A Venezuela C

Czech Republic2 A Marshall Islands A St. Lucia A

LIFE INSURANCE

Note: We cannot write residents of: Argentina, Brazil, Burma, Canadian provinces of Alberta, British Columbia and Manitoba, Croatia, Cuba, France, Hungary, India, Iran, Ireland, Japan, Malta, New Zealand, Panama, Philippines, Sudan, Uruguay or any other countries not listed above.

Note: Country classifications are subject to change.

A Autobind reinsurance up to $15 million. MetLife retention may be available up to $5 million.Individual consideration for Elite Plus and Select Preferred.

B Availability and rate class are subject to facultative reinsurance consideration.Individual consideration of MetLife retention may be available up to $5 million. Best class available is Preferred.

C Individual consideration using facultative reinsurance for permanent plans only.

1 Except the Canadian provinces of Alberta, British Columbia and Manitoba.2 Only residents of this country who are not citizens of this country are eligible.3 Gaza and the West Bank have more stringent risk classifications.

4 Residents of Mexico subject to more stringent guidelines. See the Life Underwriting Guide for details.

5 The beneficiary of the policy must reside outside of Switzerland.

Principal Life Insurance Company | Principal National Life Insurance Company

Foreign National and Foreign Resident GuidelinesForeign nationals are defined as citizens of another country who may or may not be living in the United States. Foreign residents

may be U.S. citizens or visa holders who live outside the U.S. more than six months a year. The following guidelines are to be

followed when considering applications from foreign nationals:

GUIDELINE DESCRIPTION

Connection to the U.S.Must have a residence/property ownership, business or financial interest in the U.S. (more than a

bank account).

DocumentsMust have a U.S. Social Security number, tax ID number or complete IRS form W-8BEN. Must

provide a copy of insured and owner passport.

Need for coverage/financial information

Submit a cover letter explaining a clearly definable need for U.S. life insurance. Complete financial

information must be provided.

Questionnaires Foreign National Questionnaire must be completed and submitted.

Language Insured and owner must be able to read and speak English.

Age of insured 30-70

Products Term or permanent only – No VUL, Waiver of Premium, Worksite Term, or One-Year Term.

Face amount Maximum = $15 million; minimum = $500,000

Principal retention $2.5 million single life; $3.75 million joint life

Auto limit $15 million

Jumbo limit $35 million

Maximum allowable rating Table 4 (200%)

Risk classificationOnly risks from A or B countries will be considered (see separate listing of country categorizations).

Foreign nationals who reside in A countries can be classified as Preferred if all Preferred criteria are

met. Foreign nationals from B countries will be eligible for standard rates.

ExclusionsPoliticians, public figures, missionaries, government leaders, journalists, judicial personnel, police

force, trade union officials, foreign military, private aviators

Solicitation/application Must be completed in the U.S.

Medical evidence All exams and tests must be completed in the U.S.

Attending Physician Statement (APS)

Attending Physician Statements are a routine requirement at all ages and amounts. The APS must be

in English. Translation must be done by a third party certified translation agency at producer/agency

expense.

Inspection report Routine guidelines followed based on age and amount.

OwnershipPolicy ownership must be based in the U.S. with a U.S. mailing address (no P.O. boxes). Policy owner

can be the insured, a family member, U.S. trust or U.S. business. Owner must have a U.S. mailing

address.

Beneficiary Death benefit payable to a U.S. mailing address or bank account.

Delivery Must occur in the U.S.

Premiums/proceeds Must be paid in U.S. dollars.

Post issue All correspondence must be sent to a U.S. address.

NOTE: These guidelines are subject to change frequently. Please consult with your home office underwriter before submitting any case.

Your clients can visit any one of these countries or regions for up to 12 weeks and still be eligible for life insurance with no extra charges for travel risk.

Locate the country or region of travel in the list below, then refer to second page for specific insurable travel guidelines for the country code.

Underwriting Alert Foreign Travel Program

COUNTRY CODE COUNTRY CODE COUNTRY CODE COUNTRY CODEAlbania A China B Hungary A Monaco A

Algeria B Colombia C Iceland A Mongolia B

American Samoa A Comoros C India C Republic of Montenegro B

Andorra A Cook Islands* A Indonesia C Montserrat A

Anguilla A Costa Rica B Ireland A Morocco B

Antigua and Barbuda A Croatia A Israel1 A Namibia C

Argentina A Cyprus A Italy A Nauru C

Armenia B Czech Republic A Jamaica B Nepal C

Aruba A Denmark A Japan A Netherlands A

Australia A Dominica A Jordan* A Netherlands Antilles A

Austria A Dominican Republic B Kazakhstan B New Caledonia* A

Azerbaijan B Ecuador B Kiribati C New Zealand A

Bahamas B Egypt B Kosovo* A Nicaragua C

Bahrain A El Salvador C Kuwait A Niue* B

Bangladesh C Estonia A Kyrgyzstan C Northern Mariana Islands A

Barbados A Falkland Islands A Laos C Norway A

Barbuda A Federated States of Micronesia B Latvia A Oman A

Belarus B Fiji B Lebanon C Pakistan C

Belgium A Finland A Libya B Palau* A

Belize* C France A Liechtenstein A Panama B

Bermuda A French Guiana B Lithuania A Paraguay B

Bhutan B French Polynesia A Luxembourg A Peru B

Bolivia C Georgia B Macau A Philippines C

Bosnia & Herzegovina A Germany A Macedonia B Poland A

Botswana C Greece A Malaysia B Portugal A

Brazil B Greenland A Maldives B Qatar A

Brunei A Grenada A Malta A Romania B

Bulgaria A Guadeloupe A Marshall Islands* A Russian Federation B

Canary Islands A Guatemala C Martinique A Saint Kitts and Nevis A

Cape Verde B Guyana C Mauritius B Saint Lucia A

Cayman Islands A Honduras C Mexico B Saint Maarten A

Chile A Hong Kong A Moldova B Saint Vincent & Grenadines A

* Risk class has been changed.1. Except Gaza and West Bank continued

For Producer and Broker/Dealer Use Only. Not for Public Distribution.

Life insUrAnce

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS

Background

When underwriting insurance policies, life insurance companies evaluate the amount of time a proposed insured spends outside of the United States (U.S.). The life expectancy of individuals who spend a signifi cant amount of time outside the U.S. may be affected by the conditions of the countries they frequent. These conditions may include poor economic conditions, widespread disease, lower standards of public health and sanitation, lack of proper medical facilities, and different cultural attitudes toward personal health and safety. Therefore, Underwriting generally takes into account the increased mortality risks that may be presented by Non-U.S. Residents, Short-Term U.S. Residents, and individuals who travel to foreign countries. See the Foreign Country Travel Rating Chart for the country codes, risk factors, and categories/classes for each country.

This highlighter provides information on how Underwriting evaluates individuals who travel to foreign countries. For additional information on Non-U.S. Residents and Short-Term U.S. Residents, refer to the Non-U.S. Residents Highlighter (0156067) and the Short-Term U.S. Residents Highlighter (0209979).

Please refer to the footnotes throughout this document for additional details and information.

How Is Foreign Travel Defi ned?

Foreign Travel is defi ned as conventional or business travel outside the United States for no more than six months annually. Individuals who travel outside the U.S. will be evaluated based on the country(ies) traveled to, the frequency of travel, their occupation, purpose of travel, and length of time spent in those countries. Travel beyond six months is treated as Foreign Residence for underwriting purposes. See the Non-U.S. Residents Highlighter for clients who travel outside the U.S. for over six months annually.

Underwriting Considerations

When deciding whether an individual who travels to foreign countries may qualify for life insurance in the U.S., many factors are taken into account, including the destination country. The chart on the following pages indicates whether a country is acceptable or unacceptable for travel. The countries were classifi ed based on analysis of government, travel services, and industry data, and may change depending on current conditions in the country.

Generally, travel for conventional business or pleasure purposes for a period of six months or less to acceptable countries/locations by a U.S. resident is acceptable and qualifi es for all Preferred categories.

Those who travel over six months annually to acceptable locations will be treated as Non-U.S. Residents for underwriting purposes. (Refer to the Non-U.S. Residents Highlighter for additional information.) Applications on those traveling to unacceptable locations will not be permitted on any basis.

Underwriting will look closely at an individual who applies for life insurance immediately before taking a trip abroad. Approval of the application will depend on such factors as the country being visited, the purpose of the trip, the applicant’s occupation, the need expressed for coverage, etc. For some cases, the purchase of life insurance may need to be postponed until the proposed insured returns from his or her trip.

Travel patterns for Non-U.S. Residents will be carefully reviewed. Generally, travel outside the resident country to acceptable countries may be considered on the same basis as U.S. Residents traveling to those countries. Additional ratings, other than those imposed for residence outside the U.S., may also be required.

Foreign Travel HighlighterUNDERWRITING

Continued on the next page.

NOT FOR CONSUMER USE.© 2013 Prudential Financial, Inc. and its related entities.0156069-00011-00 Ed. 10/2013 Exp. 05/01/2015

EstatE tax ExposurE for forEign nationalsFlowchart1

Resident Alien (RA) Non-Resident Alien (NRA)

Is the surviving spouse of the resident alien a U.S. citizen?

Does the individual own U.S. situs property?(For examples of U.S. situs rules, please see below.)

NoYes No

1. U.S. unlimited marital deduction not available unless resident alien’s estate passes to a “qualified domestic trust” (QDOT). [IRC §§ 2056(d)(1)(A), 2056(d)(2)(A)]

2. An annual gift tax exclusion of $145,000 for 2014 [Rev. Proc. 2012-41, Sec. 3.19(2)] is allowed for present interest gifts to a non-U.S. citizen spouse who would have qualified for the marital deduction if he/she were a U.S. citizen. [IRC § 2523(i)(2)]

Unlimited marital deduction is available to U.S. citizen surviving spouse; therefore, estate tax liability may be deferred until death of the survivor.

1. NRA will be subject to U.S. estate tax for property deemed to be U.S. situs property. [IRC § 2103]

2. NRA is entitled to a unified credit of $13,000.3 [IRC §§ 2102(c)(1), 2102(c)(2)]

Generally, NRA will not be subject to U.S. estate taxes.

1 Please note that this chart reflects general treatment based on U.S. federal estate and income tax laws. The definition of a resident for income tax purposes is different than the definition for estate tax purposes. Please consult with and rely on a qualified tax advisor in all tax matters. A valid tax treaty between the U.S. and the nation of which the individual is a citizen or resident may modify or completely alter the rules set forth in this flow chart. Currently, the following countries have treaties related to taxes imposed by reason of death: Australia, Austria, Canada, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Japan, the Netherlands, South Africa, Switzerland and the United Kingdom.

2 A person is a U.S. resident for estate tax purposes if, at the time of his/her death, he/she is domiciled in the U.S. A person’s domicile is determined by examining the intent of the person. If a person lives in the U.S., even for a brief period, and has “no definite present intention” of leaving, he/she will be deemed to have acquired a domicile in the U.S. Treas. [Reg. § 25.2501-1(b)]

3 Please note that this credit applies against the tax. As a result, the NRA can effectively shelter approximately $60,000 of otherwise taxable assets.

Is the Foreign National a resident or non-resident of the United States?2

Yes

For producer use only. Not for distribution to the public.

Do you have clients who are foreign residents or travel abroad frequently? Nationwide Financial® o�ers our foreign nationals underwriting program to help you better serve your clients. We now have the ability to autobind with our reinsurance partners on individual clients residing in “A” countries.

See our International Underwriting Guidelines1 for more information.

> Check out our foreign national case study:

Face Amount: $10 million

Product: Nationwide YourLife® No-Lapse Guarantee UL

Age: 48

Gender: Male

Tobacco Use: Never

Occupation: Executive for a U.S.-based company in Hawaii

Medical History: None

This case involves a Japanese citizen living full time in Osaka, Japan. He’s an executive with a U.S.-based company headquartered in Hawaii. His Foreign Travel supplement indicated travel to “A” countries only, which includes the United States and Hong Kong, for business purposes.

The client applied during a business trip to Hawaii, where the producer is licensed. While he was in the United States, the client also completed his paramedical exam, lab and EKG requirements.

The purpose of the coverage is for family protection, and the owner and beneficiary is a U.S.-based trust.

Nationwide® received medical records fully translated from Japanese into English. The client is healthy with no medical history.

Underwriting Decision: Nontobacco Preferred

1 Life Underwriting Requirements Guide, NFM-8789AO, pp 12 — 19.

Keep in mind that underwriting decisions are based on individual scenarios, and your client’s underwriting decision may vary.

Note: You are responsible for ordering, obtaining and paying for Attending Physician Statements and other necessary requirements needed from the foreign country. If the policy is placed in force, we will reimburse up to our normal and customary APS fee. All requirements from a foreign country must be translated into English at your expense; there will be no reimbursement for translation into English.

A life insurance solutionfor foreign nationals

FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION WITH THE PUBLIC

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS

Background

When underwriting insurance policies, life insurance companies evaluate the amount of time a proposed insured spends outside of the United States. The life expectancy of individuals who spend a signifi cant amount of time outside the U.S. may be affected by the conditions of the countries they frequent. This can include poor economic conditions, widespread disease, lower standards of public health and sanitation, lack of proper medical facilities, and different cultural attitudes toward personal health and safety. Therefore, Underwriting generally takes into account the increased mortality risks that Non-U.S. Residents, Short-Term U.S. Residents, and individuals who travel to foreign countries experience.

This highlighter provides information on how Underwriting evaluates Non-U.S. Residents. For additional information on Short-Term U.S. Residents and Foreign Travel, refer to the Short-Term U.S. Residents Highlighter (0209979) and the Foreign Travel Highlighter (0156069). See the Foreign Country Rating Chart for the country codes, risk factors, and categories/classes for each country.

Please refer to the footnotes throughout this document for additional details and information.

What Is a Non-U.S. Resident?

Non-U.S. Residents are individuals who do not have a full-time permanent U.S. residence or who reside outside of the U.S. for six months or more annually. Citizenship is not a determining factor in defi ning a Non-U.S. Resident.

For underwriting purposes, a Non-U.S. Resident is defi ned as an individual who:

Spends more than six months a year outside of the U.S.

Visits the U.S. for business or pleasure but maintains permanent residence outside of the U.S. example: A U.S. citizen who has moved to Germany but returns to the U.S. periodically to visit family.

Is expected to reside in the U.S. on a temporary basis. Example: An exchange student or individual here for business or professional/educational training.

Resides in the U.S. on a part-time basis only. Example: A Swedish citizen who owns a home in Sweden and lives in the U.S. for less than six months a year for business purposes.

Compliance Requirements

All aspects of the insurance transaction must be completed in the U.S., including solicitation, completion of the application, medical examination, inspection, and contract delivery. Make sure to allow adequate time to complete the underwriting process and handle policy delivery in the U.S.

Note: Effective October 7, 2013, ORD 115136 (Non US Resident Disclosure Form) must be completed at the point of sale, if either the proposed insured or proposed policyowner (including a trust and other entity) is not a resident of the United States. The purpose of this form is to confi rm that all sales activities, including the pending policy delivery, have taken place in the United States.

Other specifi c compliance procedures apply to life insurance sales to Non-U.S. Residents, including the completion of additional forms and procedural requirements.

Non-U.S. Residents HighlighterUNDERWRITING

NOT FOR CONSUMER USE.© 2013 Prudential Financial, Inc. and its related entities.0156067-00010-00 Ed. 11/2013 Exp. 05/12/2015

Continued on next page.

Get your case off to a great start with the

Life Underwriting Requirements Guide.

For Insurance ProFessIonal use only — not For DIstrIButIon WIth the PuBlIc

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS

Short-Term U.S. ResidentsUNDERWRITING

BACKGROUND When underwriting insurance policies, life insurance companies evaluate the amount of time a proposed insured spends outside of the United States (U.S.).

The life expectancy of individuals who spend a significant amount of time outside the U.S. may be affected by the conditions of the countries they frequent. These conditions may include poor economic conditions, widespread disease, lower standards of public health and sanitation, lack of proper medical facilities, and different cultural attitudes toward personal health and safety. Therefore, Underwriting generally takes into account the increased mortality risks that may be presented by Non-U.S. Residents, Short-Term U.S. Residents, and individuals who travel to foreign countries.

This highlighter provides information on how Underwriting evaluates Short-Term U.S. Residents. For additional information on Non-U.S. Residents and Foreign Travel, refer to the Non-U.S. Residents Highlighter and the Foreign Travel Highlighter.

WHAT IS A SHORT-TERM U.S. RESIDENT?A Short-Term U.S. Resident is a person who has recently immigrated to the U.S. with the intention of remaining in the U.S. on a permanent basis. An example of a Short-Term U.S. Resident is an individual who arrived in the U.S. six months ago. He or she has established a residence in the U.S. and has held steady employment for the past five months and plans to remain here permanently.

Note: Political refugees will be considered on a case-by-case basis. All cases should be referred through your Underwriting contact on an inquiry basis before an application is taken.

WHAT UNDERWRITING CATEGORIES ARE AVAILABLE FOR SHORT-TERM U.S. RESIDENTS?In general, Short-Term U.S. Residents are eligible for the same underwriting categories as U.S. Residents once U.S. residency is established.

WHAT MEDICAL REQUIREMENTS ARE NEEDED TO BE CONSIDERED FOR UNDERWRITING?An examination is required within six months of entry into the U.S. This applies to all individuals coming from countries where the standard of living and health care are not comparable to that of the U.S.

A paramedical examination is generally acceptable through age 59. A medical examination, performed by a physician, is required for those age 60 and over.

WHAT INFORMATION IS NEEDED FOR A SHORT-TERM U.S. RESIDENT?It is important for a Short-Term U.S. Resident to demonstrate an intent to stay in the U.S. Evidence of such intent may include an established residence, other family members also in the U.S., or a history of steady employment. This information will generally be secured by the underwriter during the client interview or by means of the paper application.

A cover letter is particularly useful in these cases to help Underwriting understand all the facts of the case. For more detailed information, refer to The Underwriting Cover Letter Flyer (0242193). In rare cases, Underwriting may request proof of residence status, such as a “green card” or other federal document establishing residence status.

This may be necessary in questionable cases when information is unclear or there is a discrepancy in information during the underwriting process.

For additional information, refer to Prudential’s Foreign Travel Highlighter (0156069), and Non U.S. Residents Highlighter (0156067). Automatic and jumbo limits are graded down by age, rating, and special risks (e.g., foreign residence and travel, entertainers, professional athletes, etc.) Availability of insurance and rates will vary based on the satisfaction of underwriting criteria. Underwriting rules are subject to change at our discretion.

This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client’s own advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code.

This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date. The Prudential Insurance Company of America, Newark, NJ.

NOT FOR CONSUMER USE.

© 2013 Prudential Financial, Inc. and its related entities. 0209979-00002-00 Ed. 04/2013 Exp. 10/26/2014

Securities and Insurance Products:Not Insured by FDIC or Any Federal Government Agency. May Lose Value.Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate.

Lincoln Foreign National Guidelines

PacLife Wealthy Global Citizen

Program

Transamerica Foreign National Estate Tax

Exposure Consumer Flyer

MetLife Foreign Resident Program Flyer

Principal Foreign National & Foreign

Residents Guidelines

Transamerica US Estate & Taxation for

Foreign Nationals

Nationwide Life Underwriting

Requirements Guide

Prudential Short Term US Resident

Transamerica Gift Estate Planning Foreign

National Consumer Presentation

MetLife Foreign Travel Program

Prudential Foreign Travel Highlighter

Transamerica Estate Planning Flowchart for

Non-US Citizens

Nationwide Life Insurance Solution for

Foreign Nationals Flyer

Prudential Non-US Residents Highlighter

Transamerica Foreign Nationals Producer

Presentation

Underwriting Resources for Foreign National, Foreign Residents, & Foreign Travel continued

For Financial Professional Use Only. Revised 12/12/15 HCB00372