Agent Guide.pdf - Supporting Independent Agents

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Sheet Metal Worker....................................................................... B Sheriff.............................................................................................N Shipping & Receiving Clerk............................................................ B Shoe Repair.................................................................................... B Shoe Shine Parlors ........................................................................ 2 Short-wave Radio Operators.......................................................... B Signs and Billboards (Supervisors)................................................. B Signs and Billboards (Other)...........................................................N Silversmith...................................................................................... B Singer..............................................................................................N Skating Rink Employee...................................................................N Skiing Instructor..............................................................................N Small Appliance Repairer............................................................... B Sound Mixer/Technician................................................................. B Speech Therapist............................................................................ B Sports Team....................................................................................N Sprinkler/Irrigation System............................................................ B Stable Owner/Operator.................................................................. B State Employee..............................................................................** Steam Fitter.................................................................................... B Steel Worker, Structural.................................................................N Steeplejack.....................................................................................N Stenographer.................................................................................. B Steward, Stewardesss, Airline.......................................................N Stock Clerk...................................................................................... B Stockbroker..................................................................................... 2 Street Cleaner................................................................................. 2 Stucco Worker................................................................................ 2 Studio Engineer/Technician............................................................ B Subway/Tunnel Construction.........................................................N Superintendent – Schools.............................................................. B Supply Clerk.................................................................................... B Surgeon........................................................................................... B Surgical Technician......................................................................... B Surveyor, Not Arial......................................................................... B Swimming Pool Service.................................................................. B Switchboard Operator.................................................................... B Tailors (Not in Home)...................................................................... B Tanner............................................................................................. 2 Tax Agent/Official...........................................................................N Taxicab Companies (Office Only).................................................... B Taxicab Companies (Others)...........................................................N Taxidermist..................................................................................... B Teachers.......................................................................................... B Technical Writer............................................................................. B Technician....................................................................................... B Telegraph Operator......................................................................... B Telemarketer .................................................................................. B Telephone Answering Service........................................................ B Telephone Installer......................................................................... B Telephone Operator........................................................................ B Television Announcer..................................................................... B Television Producer, Director.......................................................... B Television Station Manager........................................................... B Teller............................................................................................... B Tennis Club Manager...................................................................... B Theater Industry Employee.............................................................N Therapist......................................................................................... B Therapist (Physical, Speech, Occupational, etc.)........................... B Tile Setter ....................................................................................... 2 Tire Repairer or Changer................................................................. 2 Title Abstractor............................................................................... B Title Searcher.................................................................................. B Tour Guide....................................................................................... 2 Tow Truck Driver............................................................................. 2 Towing Service............................................................................... B Town Clerk......................................................................................N Trailer Park Operator....................................................................... B Transmitter Operator...................................................................... B Transportation Industry (Rail, Bus, Air): Baggage Handlers, Porters, Conductors, Engineers, Mechanics, Track Workers, Other Skilled Workers............................... 2 Transportation Industry (Rail, Bus, Air): Office Duties, Ticket Agents, Inspectors, Bagging Agents.................................. B Transportation Industry (Rail, Bus, Air): Station/ Terminal Executives............................................................ B Transportation Industry (Rail, Bus, Air): Truck Drivers, Bus Drivers.........................................................................N Trapper............................................................................................ 2 Trash Collector................................................................................ 2 Travel Agencies.............................................................................. B Tree Surgeon, Pruner, Trimmer....................................................... 2 Truck Drivers...................................................................................N Typesetter ....................................................................................... B Typist............................................................................................... B Ultrasound Technician.................................................................... B Umpire............................................................................................N Undertaker...................................................................................... B Upholsterer..................................................................................... 2 Usher............................................................................................... 2 Varnisher......................................................................................... B Vending Machine Worker...............................................................N Veterinarian.................................................................................... B Video Arcades................................................................................. 2 Video Machine Repair.................................................................... B Vocalist...........................................................................................N Waiters/Waitress........................................................................... 2 Wardrobe Assistant........................................................................ B Warehouseman.............................................................................. 2 Waste/Water Disposal................................................................... B Watch Repair.................................................................................. B Watchman ......................................................................................N Waterworks Employees.................................................................. B Weather Observers......................................................................... B Welder (Ground, Platform).............................................................. 2 Welder (Structural Work)...............................................................N Welfare Workers............................................................................N Well Driller..................................................................................... B Wholesale ...................................................................................... B Window & Door Installer................................................................ B Window Decorator......................................................................... B Window Washer............................................................................. 2 Xenographer................................................................................... B X-Ray Technician, Inspector, Repair............................................... B Zoologist......................................................................................... B 49
Disability Income Rider (DIR) – Medical Impairments Below is a listing of common impairments and the probable action for the Disability Income Riders. Note: Exclusion riders may not be available for all jurisdictions. Impairment Probable Action Impairment Probable Action Abscess............................................................................................. Standard Adhesions, post-op, abdominal........................................................ Standard AIDS ....................................................................................................Decline Alcoholism...........................................................................................Decline Allergy/allergies (not asthma).......................................................... Standard Allergic reaction (not asthma).......................................................... Standard ALS (Lou Gehrigs Disease)..................................................................Decline Alzheimers disease..............................................................................Decline Amputations, if not due to peripheral vascular disease........ Exclusion Rider ................................................................................................or Decline Anemia.................................................................................................Decline Aneurysm, abdominal Present........................................................................................Decline History(with surgical repair).........................Exclusion Rider or Decline Aneurysm, cerebral..............................................................................Decline Angina pectoris....................................................................................Decline Anxiety, mild....................................................................Standard or Decline Aortic insufficiency murmur.................................................................Decline Appendectomy; appendicitis; appendix........................................... Standard Atrial fibrillation...................................................................................Decline Arthritis, osteo.......................................................Exclusion Rider or Decline Arthritis, rheumatoid...........................................................................Decline Arthoscopic knee surgery Within one year............................................................. Exclusion Rider After one year – full recovery.................... Standard or Exclusion Rider Asthma (depends on age, attacks, medications)........ Exclusion Rider or Decline Back disorder.........................................................Exclusion Rider or Decline Bartholin cyst.................................................................................... Standard Bells palsy Fully recovered......................................................................... Standard Present..........................................................Exclusion Rider or Decline Blindness (depends on cause)................................................ Exclusion Rider Bone or joint disorder............................................Exclusion Rider or Decline Bone spur Present........................................................................... Exclusion Rider Surgically corrected................................................................. Standard Breast disorders, not cancer............................... Standard or Exclusion Rider Broken bone Fully recovered........................................... Standard or Exclusion Rider Not recovered or pins/plates inserted.........Exclusion Rider or Decline Bronchiectesis (depends on severity)....................Exclusion Rider or Decline Bronchitis (acute).............................................................................. Standard Bronchitis (chronic)................................................Exclusion Rider or Decline Bundle branch block, right/incomplete............................................ Standard Bundle branch block, right/complete..............................Standard or Decline Bundle branch block, left/complete....................................................Decline Bursitis...................................................................Exclusion Rider or Decline Cancer, internal....................................................................................Decline Cancer, skin, not melanoma (removed-recovered)................. Exclusion Rider Cancer, skin, melanoma.......................................................................Decline Cartilage – torn Present........................................................................... Exclusion Rider Fully recovered........................................... Standard or Exclusion Rider Cataracts No surgery or surgery on one eye................................. Exclusion Rider Bilateral surgery...................................................................... Standard Cerebral palsy......................................................................................Decline Cerebral vascular accident (CVA), stroke............................................Decline Cervicitis........................................................................................... Standard Chronic fatigue syndrome ...................................................................Decline Chronic obstructive lung disease (COPD)............................................Decline Cirrhosis of the liver............................................................................Decline Colitis, spastic.................................................... Standard or Exclusion Rider Colitis, ulcerative (full details)...............................Exclusion Rider or Decline Concussion, cerebral Within six months.................................................................... Postpone After six months – no residuals................ Standard or Exclusion Rider Congestive heart failure......................................................................Decline Convulsions..........................................................................................Decline Coronary artery disease.......................................................................Decline Crohns disease....................................................................................Decline Cyst-sebaceous, Bartholin................................................................ Standard Cystic fibrosis.......................................................................................Decline Cystitis.............................................................................................. Standard Cystocele, rectocele Surgically corrected................................................................. Standard Present........................................................................... Exclusion Rider D & C (dilatation and curettage) – begin results First year.......................................................Exclusion Rider or Decline After on year – no recurrence................................................. Standard Depression...........................................................................................Decline Dermatitis – atopic........................................................................... Standard Diabetes mellitus.................................................................................Decline Dislocation One occurrence – fully recovered............................................ Standard Others............................................................................ Exclusion Rider Diverticulitis and diverticulosis.............................Exclusion Rider or Decline Drug abuse...........................................................................................Decline Eczema.............................................................................................. Standard Elbow – tennis Acute attack – first year................................................ Exclusion Rider After one year – no recurrence................. Standard or Exclusion Rider Emphysema (full details).....................................................................Decline Endocarditis(over 3 years – no residuals)........................................ Standard Epilepsy................................................................................................Decline Esophageal stricture, good nutrition.....................Exclusion Rider or Decline Eye disorder (minor) – i.e. pink eye, conjunctivitis, stye.................. Standard Fibrositis, myositis – present..............................................................Decline Fibromyalgia........................................................................................Decline Fistula and fissure, anal...................................... Standard or Exclusion Rider Fractured skull, no after effect......................................................... Standard Fracture (other than skull) Full Recovery............................................................................ Standard Not recovered or pins/plates inserted.........Exclusion Rider or Decline Gall bladder disorder Present..........................................................Exclusion Rider or Decline Surgically corrected................................................................. Standard 50
Page 1 and 2: UNIVERSAL LIFE ADVANTAGE TERM SELEC
Page 3 and 4: Helpful Guidelines New Business 1.
Page 5 and 6: Alliance Solutions Universal Life a
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Page 9 and 10: Medical Impairments & Questionnaire
Page 11: Tumors/Cancer Cancer or malignant t
Page 29 and 30: Alliance Solutions Probable Actions
Page 35 and 36: 38 Alliance Solutions Probable Acti
Page 39 and 40: Alliance Solutions Universal Life a
Page 41 and 42: Disability Income Rider (DIR) - Occ
Page 43 and 44: Driver (Local Delivery and Short Ha
Page 45: Nutritionist.......................
Page 51: Alliance Solutions Select Term (Pol

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