1. An Expert Panel Discussion 2015 Midwestern Underwriting Conference Thursday, September 17

2. 1 J. Matthew (Matt) Anderson J. Matthew (Matt) Anderson Life/Health Claims Attorney, Country Financial Michael Chrysler Michael Chrysler Deputy Director, Life & Annuity Products, Illinois Department of Insurance Bob Gooderl Executive Director Claims, RGA Reinsurance Company Moderator: Eric Visconti, FALU, CLU, FLMI Director & Assistant Chief Underwriter, Nationwide

3. 2  Features #1 & 2  Audience discussion on #1 & 2 features  Features #3 & 4  Audience discussion on #3 & 4 features  Features #5 & 6  Audience discussion on #5 & 6 features  Final Feature  Audience discussion on any of the previous topics

4. Suitability on Life Insurance Replacement  What have you seen or experienced regarding life insurance replacements?  What concerns you most about this activity? 3

5. Application Amendments – Historically, life insurance companies have used application amendments to confirm material risks or adverse actions the company has developed/changed with the client.  What are the risks associated with this process? 4

6. 1. Suitability on Life Insurance Replacement 2. Application Amendments 5

7. Applicant death during underwriting where money was accepted with the application  What are the potential risks?  How does the Temporary Insurance Agreement/Conditional Receipt work in this event?  http://law.justia.com/cases/arizona/court-of-appeals-division-one- published/2014/1-ca-cv-13-0011.html http://law.justia.com/cases/arizona/court-of-appeals-division-one- published/2014/1-ca-cv-13-0011.html 6

8. Genetic Testing  What are the legal views on this topic noting the increased prevalence?  How may this effect life insurance underwriting? 7

9. 3. Applicant death during underwriting 4. Genetic Testing 8

10. Cross Border Sales – There is significant complexity on life insurance sales across state borders and across international borders  What is the risk associated with this activity?  What is allowed and not allowed? 9

11. State product review process  What goes into an evaluation of a new product at the state level?  How does this effect life insurance underwriting? 10

12. 5. Cross Border Sales 6. State Product Review 11

13.  What might impact the future of life insurance underwriting from your perspective? 12