Common use of Occupations Clause in Contracts

Occupations. As you are completing the application, please make sure to list all the occupations on the application . The most hazardous occupation your client has will determine the rate classification . If your client does have a hazardous occupation such as scuba diving or aviation, please make sure you complete and sign the avocation questions and submit it with your application . Aviation – Paid Passenger or freight flying US or Canadian Airlines n Scheduled and non scheduled airlines n Others Company owned aircraft flying within the US or Canada n Commercial pilot cert . and IFR Building and Construction n Bridge, structural iron workers, tower workers, roofers Electric Power Industry n Line construction Fire Department n Municipal and volunteer n Fire and smoke jumpers Fishing Industry – Officers and crew not coming ashore daily n Inshore, harbors, lakes, rivers n Gulfs, Oceans, seas n Grand Banks, sealers, whalers, Alaskan crab fisherman Law Enforcement n Armed car guards, bank guards, municipal police, penal guards, border patrol n Federal Agencies: FBI, DEA, CIA, SWAT, Secret Service, Federal Air Marshal Liquor Industry n Bartenders Lumber Industry n Explosive handlers, boommen, climbers, raftsmen, rigers, rivermen, topmen Mining and Quarrying n Assayers, chemists, detectives, guards, mining engineers, surveyors n Underground mines – Surface workers n Underground mines – Underground workers n Open Pit and Surface mine workers Oil and Natural Gas Industry n On shore drilling and production ● Site crew, xxxxxxx, rig and tank crew ● Firefighters n Off shore drilling and production ● All workers ● Firefighters Key: D = Decline M = Thousand IC = Individual Consideration Note: This is a guide. Actual rates may change subject to specifics of an individual case. Life ADB WP Std 3 .50 per M Std – 2 .50 per M D D D D D D 2 .50 per M 2x Std Std 2x Std Std 3 .50 per M 2x 3x Std 2x Std Std – 2 .50 per M 2 .50 per M Std 2x – 3x 2x Std Std Std Std IC 2x IC Std IC Std – 2 .50 per M Std – 2x Std 2 .50 per M 2x Std Std Std – 2 .50 per M 2 .50 – 5 .00 per M Std – 2 .50 per M 2x 2x 3x Std – 2x Std Std – 2x Std – 2x Std – 2x Std – 2 .50 per M 5 .00 per M 2 .50 – 5 .00 per M 7 .50 per M 2x 3x 3x D Std 2x 2x D For producer use only. Not for use with the general public. Avocations Note: This is a guide. Actual rates may change subject to specifics of an individual case. Aviation – Private Life ADB WP Student pilots 3 .50 per M D D Qualified pilots Total solo hours Expected Annual Flying Hours 0-200 201-300 301-600 >600 Age >26 n <100 3 .50 x5 3 .50 per M 5 per M 5 per M D D n 100-399 Std 2 .5 x 2 5 per M 5 per M D D* n > 000 Xxx Xxx 2 .50 per M 5 per M D D* Age < 26 n < 100 3 .50 x 5 5 per M 5 per M 5 per M D D n 100-399 2 .50 x 5 3 .50 per M 5 per M 5 per M D D n > 400 2 .50 x 5 2 .50 per M 5 per M 5 per M D D *WP is unavailable if aviation is rated, otherwise STD Balloon (hot air) n Tethered n Free Flight Std Std – 2 .50 per M D D D D Gliding Sail Planes Rated as Aviation Private Hang-gliding / Paragliding 2 .50 – 7 .50 per M D D Parachuting 5 to 10 per M dependent on number of jumps / year Ultralights (commercially built) n Licensed pilot n Unlicensed Std – 5 per M 3 .50 – 7 .50 per M D D D D Diving Life ADB WP Snorkel Std Std Std Scuba (with formal training) n <100 ft n >101 ft – 130 ft ● < 10 dives annually ● > 10 dives annually Std 3 .50 per M 5 per M up Std D D Std D D n > 130 ft – contact underwriting n Cave diving 2 .50 – 5 .00 per M D D Climbing/Mountaineering Life ADB WP Trail climbing, hiking Std Std Std Rock, Snow / Ice Climbing n Altitude <13,000 ft n Altitude >13,000 – 23,000 2 .50 – 3 .50 per M 5 .00 – 7 .50 per M to D D D D D For producer use only. Not for use with the general public. Foreign National and Immigrant Residency Policy Permanent Residents Living Permanently in the United States An individual with a valid Permanent Resident Card (also referred to as a Green Card or Alien Registration Receipt Card) may be eligible to apply for life insurance coverage . Such permanent resident will only be considered if the individual meets all four requirements listed below:

Occupations. As you are completing the application, please make sure to list all the occupations on the application application. The most hazardous occupation your client has will determine the rate classification classification. If your client does have a hazardous occupation such as scuba diving or aviation, please make sure you complete and sign the avocation questions and submit it with your application application. Aviation – Paid Passenger or freight flying US or Canadian Airlines n ■ Scheduled and non scheduled airlines n ■ Others Company owned aircraft flying within the US or Canada n ■ Commercial pilot cert cert. and IFR Building and Construction n ■ Bridge, structural iron workers, tower workers, roofers Electric Power Industry n ■ Line construction Fire Department n ■ Municipal and volunteer n ■ Fire and smoke jumpers Fishing Industry – Officers and crew not coming ashore daily n ■ Inshore, harbors, lakes, rivers n ■ Gulfs, Oceans, seas n ■ Grand Banks, sealers, whalers, Alaskan crab fisherman Law Enforcement n ■ Armed car guards, bank guards, municipal police, penal guards, border patrol n ■ Federal Agencies: FBI, DEA, CIA, SWAT, Secret Service, Federal Air Marshal Liquor Industry n ■ Bartenders Lumber Industry n ■ Explosive handlers, boommen, climbers, raftsmen, rigers, rivermen, topmen Mining and Quarrying n Assayers■ Xxxxxxxx, chemists, detectives, guards, mining engineers, surveyors n ■ Underground mines – Surface workers n ■ Underground mines – Underground workers n ■ Open Pit and Surface mine workers Oil and Natural Gas Industry n ■ On shore drilling and production ● Site crew, xxxxxxx, rig and tank crew ● Firefighters n ■ Off shore drilling and production ● All workers ● Firefighters Key: D = Decline M = Thousand IC = Individual Consideration Note: This is a guide. Actual rates may change subject to specifics of an individual case. Life ADB WP Std 3 .50 3.50 per M Std – 2 .50 2.50 per M D D D D D D 2 .50 2.50 per M 2x Std Std 2x Std Std 3 .50 3.50 per M 2x 3x Std 2x Std Std – 2 .50 2.50 per M 2 .50 2.50 per M Std 2x – 3x 2x Std Std Std Std IC 2x IC Std IC Std – 2 .50 2.50 per M Std – 2x Std 2 .50 2.50 per M 2x Std Std Std – 2 .50 2.50 per M 2 .50 2.50 – 5 .00 5.00 per M Std – 2 .50 2.50 per M 2x 2x 3x Std – 2x Std Std – 2x Std – 2x Std – 2x Std – 2 .50 2.50 per M 5 .00 5.00 per M 2 .50 2.50 – 5 .00 5.00 per M 7 .50 7.50 per M 2x 3x 3x D Std 2x 2x D For producer use only. Not for use with the general public. Avocations Note: This is a guide. Actual rates may change subject to specifics of an individual case. Aviation – Private Life ADB WP Student pilots 3 .50 2.00 per M D D Qualified pilots Total solo hours Expected Annual Flying Hours 0-200 201-300 301-600 >600 Age >26 n ■ <100 3 .50 3.50 x5 3 .50 3.50 per M 5 per M 5 per M D D n ■ 100-399 Std 2 .5 2.5 x 2 5 per M 5 per M D D* n ■ > 000 400 Xxx Xxx 2 .50 0.50 per M 5 per M D D* Age < 26 n ■ < 100 3 .50 3.50 x 5 5 per M 5 per M 5 per M D D n ■ 100-399 2 .50 2.50 x 5 3 .50 3.50 per M 5 per M 5 per M D D n ■ > 400 2 .50 2.50 x 5 2 .50 2.50 per M 5 per M 5 per M D D *WP is unavailable if aviation is rated, otherwise STD Balloon (hot air) n ■ Tethered n ■ Free Flight Std Std – 2 .50 2.50 per M D D D D DD DD Gliding Sail Planes Rated as Aviation Private Hang-gliding / Paragliding 2 .50 2.50 – 7 .50 7.50 per M D D Parachuting 5 to 10 per M dependent on number of jumps / year Ultralights (commercially built) n ■ Licensed pilot n ■ Unlicensed Std – 5 per M 3 .50 3.50 – 7 .50 7.50 per M D D D D Diving Life ADB WP Snorkel Std Std Std Scuba (with formal training) n ■ <100 ft n ■ >101 ft – 130 ft ● < 10 dives annually ● > 10 dives annually Std 3 .50 3.50 per M 5 per M up Std D D Std D D n ■ > 130 ft – contact underwriting n ■ Cave diving 2 .50 2.50 – 5 .00 5.00 per M D D Climbing/Mountaineering Life ADB WP Trail climbing, hiking Std Std Std Rock, Snow / Ice Climbing n ■ Altitude <13,000 ft n ■ Altitude >13,000 – 23,000 2 .50 2.50 – 3 .50 3.50 per M 5 .00 5.00 – 7 .50 7.50 per M to D D D D D DD DD For producer use only. Not for use with the general public. Foreign National and Immigrant Residency Policy Permanent Residents Living Permanently in the United States An individual with a valid Permanent Resident Card (also referred to as a Green Card or Alien Registration Receipt Card) may be eligible to apply for life insurance coverage coverage. Such permanent resident will only be considered if the individual meets all four requirements listed below:

Occupations. As you are completing the application, please make sure to list all the occupations on the application . The most hazardous occupation your client has will determine the rate classification . If your client does have a hazardous occupation such as scuba diving or aviation, please make sure you complete and sign the avocation questions and submit it with your application . Aviation – Paid Passenger or freight flying US or Canadian Airlines n Scheduled and non scheduled airlines n Others Company owned aircraft flying within the US or Canada n Commercial pilot cert . and IFR Building and Construction n Bridge, structural iron workers, tower workers, roofers Electric Power Industry n Line construction Fire Department n Municipal and volunteer n Fire and smoke jumpers Fishing Industry – Officers and crew not coming ashore daily n Inshore, harbors, lakes, rivers n Gulfs, Oceans, seas n Grand Banks, sealers, whalers, Alaskan crab fisherman Law Enforcement n Armed car guards, bank guards, municipal police, penal guards, border patrol n Federal Agencies: FBI, DEA, CIA, SWAT, Secret Service, Federal Air Marshal Liquor Industry n Bartenders Lumber Industry n Explosive handlers, boommen, climbers, raftsmen, rigers, rivermen, topmen Mining and Quarrying n Assayers, chemists, detectives, guards, mining engineers, surveyors n Underground mines – Surface workers n Underground mines – Underground workers n Open Pit and Surface mine workers Oil and Natural Gas Industry n On shore drilling and production ● Site crew, xxxxxxx, rig and tank crew ● Firefighters n Off shore drilling and production ● All workers ● Firefighters Key: D = Decline M = Thousand IC = Individual Consideration Note: This is a guide. Actual rates may change subject to specifics of an individual case. Life ADB WP Std 3 .50 per M Std – 2 .50 per M D D D D D D 2 .50 per M 2x Std Std 2x Std Std 3 .50 per M 2x 3x Std 2x Std Std – 2 .50 per M 2 .50 per M Std 2x – 3x 2x Std Std Std Std IC 2x IC Std IC Std – 2 .50 per M Std – 2x Std 2 .50 per M 2x Std Std 2x Std – 2 .50 per M 2 .50 – 5 .00 per M Std – 2 .50 per M 2x 2x 3x Std – 2x Std Std – 2x Std – 2x Std – 2x Std – 2 .50 per M 5 .00 per M 2 .50 – 5 .00 per M 7 .50 per M 2x 3x 3x D Std 2x 2x D For producer use only. Not for use with the general public. Avocations Note: This is a guide. Actual rates may change subject to specifics of an individual case. Aviation – Private Life ADB WP Student pilots 3 .50 per M D D Qualified pilots Total solo hours Expected Annual Flying Hours 0-200 201-300 301-600 >600 Age >26 n <100 3 .50 x5 3 .50 per M 5 per M 5 per M D D n 100-399 Std 2 .5 x 2 5 per M 5 per M D D* n > 000 Xxx Xxx 2 .50 per M 5 per M D D* Age < 26 n < 100 3 .50 x 5 5 per M 5 per M 5 per M D D n 100-399 2 .50 x 5 3 .50 per M 5 per M 5 per M D D n > 400 2 .50 x 5 2 .50 per M 5 per M 5 per M D D *WP is unavailable if aviation is rated, otherwise STD Balloon (hot air) n Tethered n Free Flight Std Std – 2 .50 per M D D D D Gliding Sail Planes Rated as Aviation Private Hang-gliding / Paragliding 2 .50 – 7 .50 per M D D Parachuting 5 to 10 per M dependent on number of jumps / year Ultralights (commercially built) n Licensed pilot n Unlicensed Std – 5 per M 3 .50 – 7 .50 per M D D D D Diving Life ADB WP Snorkel Std Std Std Scuba (with formal training) n <100 ft n >101 ft – 130 ft ● < 10 dives annually ● > 10 dives annually Std 3 .50 per M 5 per M up Std D D Std D D n > 130 ft – contact underwriting n Cave diving 2 .50 – 5 .00 per M D D Climbing/Mountaineering Life ADB WP Trail climbing, hiking Std Std Std Rock, Snow / Ice Climbing n Altitude <13,000 ft n Altitude >13,000 – 23,000 2 .50 – 3 .50 per M 5 .00 – 7 .50 per M to D D D D D For producer use only. Not for use with the general public. Foreign National and Immigrant Residency Policy Permanent Residents Living Permanently in the United States An individual with a valid Permanent Resident Card (also referred to as a Green Card or Alien Registration Receipt Card) may be eligible to apply for life insurance coverage . Such permanent resident will only be considered if the individual meets all four requirements listed below:2x