We are pleased to introduce our new GuideStar application form. This form reflects our commitment to the final expense market and our desire to increase your GuideStar sales. It was designed by members of our Underwriting and Marketing Departments, with substantial input from experienced final expense producers. We think the new application will make it easier for you to use GuideStar products.

There are some things you need to know about the new application. You will notice some differences. We want to explain them to you.

• The new application (Form 2003 FEPA and state variations) broadens the range of risks we insure. With each change we make in our underwriting process, we will monitor our claims experience. Please help us by using good judgment and good field underwriting practices. If your customer has a condition not addressed by the application, but it appears to be serious, call our Underwriting Department to discuss it. The risk selection process begins with you.
• The new application was designed for greater simplicity. We have removed the second insured from the application to create more space on the form. Use one application form for each GuideStar applicant.
• The questions in the application have been reworded for greater certainty of the outcome. To make this application function for you and American Home Life, make sure that you answer all questions accurately and completely.
• In 2002, we instituted a point-of-sale interview service. This service has been well received by our representatives because it is fast and efficient. When you call in to our office, you and your customer will speak with one of our employees. Our interviewer will verify the answers to questions on the new application. Call us to complete a point-of-sale interview if the amount of coverage you are writing is $5,000 or more or your applicant is 70 years old or more. The telephone number is 800-298-6020. This service is available between the hours of 7:45 a.m. and 8:00 p.m. Central Time.
• We recently introduced new authorization forms (Forms U-80 and U-81) to comply with the requirements of HIPAA. The authorizations are required if an Attending Physician's Statement (APS) is ordered. Because very few physicians' statements are ordered in the underwriting of GuideStar applications, Forms U-80 and U-81 are not required to be submitted with the GuideStar application. On those rare occasions when an APS is required, our Underwriting Department will ask you to obtain the authorizations.
• We are members of the Medical Information Bureau (MIB). We make an MIB check on every final expense application. We will take additional steps in the underwriting process if we obtain coded information from the MIB.

The new GuideStar application is now approved for use in your state. You may begin using it immediately. It replaces the old application, so please destroy any of the old applications in your possession.

We hope you share our enthusiasm over this application. If you have any questions, call our Underwriting or Marketing Departments.

Roger Prather, FLMI
Vice President - Marketing