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For Broker/Dealer use only. Not for distribution to the public. x
Face Amount
Age 16-391
Age 40-49
Age 50-60
IMPORTANT INFORMATION
Less than
$100,000
amount of all Phoenixpolicies issued in the past 12 months plus any risk $100,000 to
$250,000
$250,001 to
$500,000
$500,001 to
$1,000,000
by one of our approvedexamination servicecompanies. $1,000,001 to
$1,500,000
within three months of thedate of issue, but may be $1,500,001 to
$2,999,999
$3,000,000 to
$5,000,000
$5,000,001
See page 3 for Financial Underwriting Guidelines.
Evidence of Insurability Guidelines, continued Face Amount
Age 61-69
Age 70-79*
Age 80 and Older
* Clients age 70 may be
required to have a stress test.
Please see footnote 2 below.

Less than
• Paramedical exam, including blood profile • Paramedical exam, including blood profile • Paramedical exam, including blood profile $100,000
• Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 $100,000 to
• Paramedical exam, including blood profile, • Paramedical exam, including blood profile, • Paramedical exam, including blood profile, $250,000
• Medical records from client's doctor (APS) • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 medical questions on theapplication. Call Phoenix $250,001 to
• Paramedical exam, including blood profile, • Paramedical exam, including blood profile, • Paramedical exam, including blood profile, $500,000
• Medical records from client's doctor (APS) • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 2. Exercise stress testing is required $500,001 to
• Paramedical exam, including blood profile, • Paramedical exam, including blood profile, • Paramedical exam, including blood profile, $1,000,000
• Medical records from client's doctor (APS) • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 tobacco users. Non-tobacco users(ages 50-70) will only require $1,000,001 to
• Medical (MD) exam, including blood profile, • Medical (MD) exam, including blood profile, $1,500,000
• Medical records from client's doctor (APS) • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 $20,000,001 for second-to-dieproducts. Tobacco use is defined $1,500,001 to
• Medical (MD) exam, including blood profile, • Medical (MD) exam, including blood profile, $2,999,999
• Medical records from client's doctor (APS) • Personal History Interview (PHI) and MVR • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 • Personal History Interview (PHI) and MVR • Personal History Interview (PHI) and MVR notes from a general practitionerwithin the past 18 months. $3,000,000 to
• Medical (MD) exam, including blood profile, • Medical (MD) exam, including blood profile, $5,000,000
• Medical records from client's doctor (APS) • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 $5,000,001
• Medical (MD) exam, including blood profile, • Medical (MD) exam, including blood profile • Medical records from client's doctor (APS) • Medical records from client's doctor (APS)3 • Medical records from client's doctor (APS)3 • Commercial Inspection Report and MVR • Commercial Inspection Report and MVR See page 3 for Financial Underwriting Guidelines.
Face Amount
Age 64 and Under
Age 65 and Older
IMPORTANT INFORMATION
$1,500,001 to
$1,999,999
$2,000,000 to
2,999,999
require a copy of theinsurance policy on assetslike gems, art, collectibles, $3,000,000 to
$10,000,000
$10,000,001
Phoenix reserves the
right to request additional
information at any time to
verify the client’s income or
to verify the ownership and
valuation of assets.

Risk Selection Criteria
Point Requirements
Applicant meets all of the following criteria:
Age 17 or younger . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonsmoker only
Age 18-60:
16 points or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred Plus*11-15 points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred • No ratable aviation or avocation within 3 years 10 points or less. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonsmoker • No history or recommendation for drug or alcohol treatment Age 61-70:
• No more than 2 motor vehicle violations within 3 years and no DUI/DWI convictions 14 points or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred Plus* • No history of cancer (except basal cell skin cancer), heart disease, or diabetes. No 10-13 points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred other debitable medical history — except for the above, conditions listed as +0 are 9 points or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonsmoker Age 71-80:
• Underwriter may allow Preferred (not Preferred Plus) for applicants with 10-25 debits 13 points or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred Plus* before using medical credits who otherwise meet criteria for Preferred Plus 9-12 points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred • Age 70 and older, should have documented ongoing standard medical care.
8 points or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonsmoker Documentation should include office notes with visits at least yearly as well as results Age 81-85:
9 points or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred • Age 70 and older, no history of cognitive impairment 8 points or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonsmoker *Availability of Preferred Plus varies depending on product. Applicant does not meet all criteria above
Cigarette smoking within past year . . . . . . . . . . . . . . . . . . . . . . . . . . . SmokerAll others. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonsmoker No tobacco points:
No use of medication points:
No tobacco use in last 10 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 points Points allowed for thyroid, aspirin, estrogen, oral contraceptives, nasal steroid No tobacco use in last 3 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 points Favorable cholesterol profile points:
No regular use of medications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 points No points should be given if lipids only recently lowered on medication. If applicant has been consistently taking lipid-lowering medication for at least 2 years without Family history points (not available over age 70):
side effects or liver enzyme elevations, cholesterol points may be given. One point may be given to applicants who are adopted if biologic family history is unknown. One point may be given even if parents have not reached age 60, Cholesterol/HDL ratio 4.31-5.0 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 point provided that there is no known history of premature CAD at the time of death. Cholesterol/HDL ratio 3.60-4.30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 points Cholesterol/HDL ratio < 3.60 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 points No family history of premature CAD in parents or siblings before age 60 . . .1 point Both parents reached age 70 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 points Favorable BNP points:
Both parents reached age 80 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 points Under age 60 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .0 points Age 60-75, BNP 0-125 pg/ml . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 point Blood pressure points:
Age 76 and older, BNP 0-300 pg/ml . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 point All blood pressure readings in last 3 years 140/84 or lower . . . . . . . . . . . . . . . .1 point Normal lab results points:
Normal stress test points (not available under age 50):
Lipid and BNP results excluded. Point allowed if abnormalities are trivial. Points not available for pharmacologic stress tests or if exercise capacity cannot be assessed based on information provided. Normal current lab studies (other than lipids) . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 point Exercise capacity 9 minutes (or 9 METS) or more . . . . . . . . . . . . . . . . . . . . . . . . .3 points Exercise capacity 6-9 minutes (or 6-9 METS) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 point Exercise capacity less than 6 minutes (6 METS) . . . . . . . . . . . . . . . . . . . . . . . . . .0 points Weight for Women
Weight for Men
Up to 4’10”
<116 . . . . . . . . . . . . . 2 points CHART TO ESTIMATE MAXIMUM AMOUNTS OF
4’11” - 5’0”
PERSONAL INSURANCE COVERAGE
5’1” - 5’2”
Income Multiplier
5’3” - 5’4”
5’5” - 5’6”
5’7” - 5’8”
5’9” - 5’10”
5’11” - 6’0”
6’1” - 6’2”
Phoenix may allow $1,000,000 in coverage: 6’3” - 6’4”
a) with a minimum earned income of $30,000 through age 45, or b) for a homemaker and spouse with a combined household income of 6’5” - 6’6”
$75,000 or greater. (When securing insurance on homemaker, information on wage earning spouse must be included.) 6’7” - 6’8”
Young professionals with high income potential (physicians, lawyers, etc.) may warrant amounts higher than the chart suggests.
6’9” - 6’10”
Coverage exceeding these guidelines will require detailed financialinformation in support of the sale.
Insurance issued by Phoenix Life Insurance Company (PLIC) (East Greenbush, NY), PHL Variable Insurance Company (PHLVIC) (Hartford, CT) and Phoenix Life and Annuity Company (PLAC) (Hartford, CT).
PHLVIC is not authorized to conduct business in NY and ME.
PLAC is not authorized to conduct business in CA, GA, MA, ME, MN, NH and NY and not authorized to conduct variable universal life insurance business in ID and LA.
The insurers referenced above are separate entities, and each is responsible only for its own financial condition and contractual obligations.
Variable products distributed by Phoenix Equity Planning Corporation, Hartford, CT.
Members of The Phoenix Companies, Inc.
L1648 2008 The Phoenix Companies, Inc.

Source: http://www.lbfg.net/support/blasts/phoenix/phoenix_lifeunderwritingrequirements.pdf

2007-ca-001060

RENDERED: NOVEMBER 21, 2008; 2:00 P.M. Commonwealth of Kentucky Court of Appeals HONORABLE JUDITH E. MCDONALD-BURKMAN, JUDGEBEFORE: MOORE AND THOMPSON, JUDGES, HENRY, SENIOR JUDGE. MOORE, JUDGE: Arturo Portales appeals from the Jefferson Circuit Court’s Opinion and Order affirming the Kentucky Board of Medical Licensure’s (KBML) revocation of Portales’s medical license. Having ful

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Clinical Note Metacognitive Therapy versus Exposure and Response Prevention for Pediatric Obsessive-Compulsive Disorder A Case Series with Randomized Allocation Michael Simons a Silvia Schneider b Beate Herpertz-Dahlmann a a Department of Child and Adolescent Psychiatry, RWTH Aachen University, Aachen , Germany; b Clinical Child and Adolescent Psychology, University of Basel,

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