1. Life Underwriting Jack of All Trades, Master of Hats Allen D.Hixon, CLU,ChFC,FLMI,AALU Underwriting Managing Consultant State Farm Life Ins. Co.

2. Individual Life Underwriting Medical Issues Medical Issues The Financial Risk The Financial Risk The Motor Vehicle Risk The Motor Vehicle Risk The Travel Risk The Travel Risk The Occupational Exposure The Occupational Exposure Avocation Avocation Personal Risk Factors Personal Risk Factors

3. Underwriting con’t Criminal Risk Criminal Risk Aviation Aviation Military Risk Military Risk International Applicants International Applicants Business Relationships Business Relationships Beneficiaries Beneficiaries Insurable Interest and Ownership Insurable Interest and Ownership

4. Medical Risks Old Health Old Health New Health New Health The insurance exam The insurance exam Bodily Fluids Bodily Fluids Attending Physician Information Attending Physician Information MIB MIB Special Tests Special Tests

5. Financial Factors The Basics The Basics The Inspection The Inspection Teleunderwriting Teleunderwriting Tax Forms Tax Forms Financial Questionnaires Financial Questionnaires The Phone Call The Phone Call

6. The Driving Risk Motor Vehicle Record Motor Vehicle Record Boating Boating Alcohol-DWI Alcohol-DWI Motorcycle Risk Motorcycle Risk

7. The Travel Risk Prior to September 11 Prior to September 11 Post September 11 Post September 11 International Travel International Travel US State Dept Travel Warnings US State Dept Travel Warnings Risk Assessment Risk Assessment Ratings and Declines Ratings and Declines

8. Occupation, Avocation, Aviation Occupation Occupation Avocation-Hobbies-Sports Avocation-Hobbies-Sports Aviation, Private, Commercial, Military Aviation, Private, Commercial, Military

9. Personal Risk Age Age Gender Gender Martial Status Martial Status Sexual Orientation Sexual Orientation Transsexuals Transsexuals

10. Misc. Risk Factors Military Risk Military Risk Criminal Risk Criminal Risk Foreign Nationals Foreign Nationals Beneficiaries and Beneficiaries and Insurable Interest and Ownership Issues Insurable Interest and Ownership Issues

11. In the News Genetics and Underwriting Genetics and Underwriting Research and Initiatives Research and Initiatives Epidemics Epidemics Reinsurance Reinsurance Privacy Privacy Underwriting Manuals Underwriting Manuals Skin Sterol testing Skin Sterol testing

12. First Year Death Claims Natural Causes 62% Natural Causes 62% Accidental Death 38% Accidental Death 38% Average age of death, 41 years of age Average age of death, 41 years of age Motor Vehicle Deaths Motor Vehicle Deaths Heart Disease Heart Disease Cancer Cancer Homicide Homicide

13. Web Links Swiss RE. http://www.swissre.com/ Swiss RE. http://www.swissre.com/http://www.swissre.com/ US State Dept. http://www.state.gov/ US State Dept. http://www.state.gov/http://www.state.gov/ US Dept of Treasury. http://www.treas.gov/offices/enforcement/ofac/ US Dept of Treasury. http://www.treas.gov/offices/enforcement/ofac/ http://www.treas.gov/offices/enforcement/ofac/ Medicine/Merck. http://www.merck.com/mmhe/index.html Medicine/Merck. http://www.merck.com/mmhe/index.html http://www.merck.com/mmhe/index.html Yogi Berra. http://www.rinkworks.com/said/yogiberra.shtml Yogi Berra. http://www.rinkworks.com/said/yogiberra.shtml http://www.rinkworks.com/said/yogiberra.shtml

14. Q and A