1. Critical Illness Cover Competitive without compromising quality – Making life easier for you – Enhancing the service you provide your clients For advisers only. Not for use with customers. Changes to our underwriting limits Personal Protection Up to £350,000 £350,001 to £600,000Over £600,000 No financial evidence required We have now incorporated questions into eSelect screens, which covers: Reason for policy Annual taxable earned income Details of existing cover Loan details, where appropriate Capturing more information at point of sale reduces the need for a Financial Underwriting Questionnaire at this limit. * Available on eSelect applications only. Paper applications will be updated during 2008. Financial Underwriting Questionnaire Evidence of taxable earned income (for example P60 or tax assessment) Copy of the loan offer, where appropriate

2. Critical Illness Cover Competitive without compromising quality – Making life easier for you – Enhancing the service you provide your clients For advisers only. Not for use with customers. Changes to our underwriting limits Business Loan Up to £350,000 £350,001 to £600,000 Over £600,000 No financial evidence required We have now incorporated questions into eSelect screens, which covers: Annual taxable earned income Details of existing cover Loan details Capturing more information at point of sale reduces the need for a Financial Underwriting Questionnaire at this limit. *Available on eSelect applications only. Paper applications will be updated during 2008. Financial Underwriting Questionnaire Copy of the last 2 years’ reports and accounts Copy of the loan offer

3. Critical Illness Cover Competitive without compromising quality – Making life easier for you – Enhancing the service you provide your clients For advisers only. Not for use with customers. Changes to our underwriting limits Keyperson Cover Up to £350,000 £350,001 to £600,000 Over £600,000 No financial evidence required Financial Underwriting Questionnaire Copy of the last 2 years’ reports and accounts Copy of service agreement and CV of the life assured

4. Critical Illness Cover Competitive without compromising quality – Making life easier for you – Enhancing the service you provide your clients For advisers only. Not for use with customers. Changes to our underwriting limits Share Purchase Agreement Up to £350,000 £350,001 to £600,000 Over £600,000 No financial evidence required Financial Underwriting Questionnaire Copy of the last 2 years’ reports and accounts Copy of share the purchase agreement