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Underwriting





                WeCare supports all of the Aflac Group underwriting offers. Additionally, for the AmWINS Advantage, WeCare will “field
                underwrite” applications so that only applications assured to be issued will be allowed to be enrolled.









                   Guaranteed Issue                                                                                 Yes                                    Yes


                   Over GI Questions – Submitted to Underwriting                                                    Yes                                      -


                   Over GI Questions – System Underwritten                                                            -                                    Yes *


                   3-Tier (New Hires, Enrolled, Late Entrants)                                                      Yes                                    Yes


                   Age at Issue Premium Calculations                                                                Yes                                    Yes


                   Age at Anniversary Premium Calculations                                                          Yes                                    Yes












                * Requires 250+ Employees.
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