UNDERWRITING GUIDE & RATE BOOK
CancerCare Insurance Coverage That Helps You Manage
The Financial Risks Of This Random Disease
Equitable & You . . . Committed To Caring UNDERWRITING GUIDE & RATE BOOK
We understand the importance agents place on having applications approved and issued as soon as possible! TheUnderwriting Division is committed to this goal and we willwork with you through every step of the Underwritingprocess, to achieve it.
Please review this Underwriting Guide carefully. It has been designed to help you to complete an application and to help you understand the process of Underwriting and the procedures used to underwrite aCancerCare+ Cancer Series policy. TABLE OF CONTENTS
GENERAL INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
FEATURES AND PROCEDURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
TIPS FOR COMPLETING AN APPLICATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
REPLACEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
SUBMITTING THE APPLICATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
REINSTATEMENT PROCEDURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
UNINSURABLE MEDICATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
● MONTHLY BANK DRAFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
● ANNUAL RATES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
GENERAL INFORMATION Eligibility: Age 18 through age 85. The age is determined as of the date the application was signed
even if there is an age change before a policy is issued.
Definition of Insured: If a husband and wife are insured, the Primary Insured is the oldest spouse,
and the Insured Spouse is the younger spouse. Age of the Application: Applications must be received in the Home Office within fourteen (14) days of the Application Date: The application date MUST be the date the application was signed. Backdated Effective Dates: Policy effective dates will usually be the application date. You may request
effective dates up to sixty (60) days past the application date. No backdating is allowed (i.e., the effective date can never be before the application date.)
Signature on the Application: The agent MUST personally ask and record all of the
answers to the application questions from each person applying for CancerCare+ CancerSeries coverage. No other person, including the spouse, may sign on behalf of an applicant. The agent must personally witness each applicant's signature. We do not accept Power ofAttorney signatures. C.O.D Business: Equitable does not accept C.O.D business. FEATURES AND PROCEDURES Return of Premium Rider The company will return a percentage of premiums paid, minus any claims paid, under the following circumstances: 1. If the policy lapses, or if the Primary Insured dies, after the 15th policy anniversary, 80%
of premiums less any claims will be returned; or
2. If the Primary Insured dies after the 5th policy anniversary and before the 15th policy
anniversary, 50% of premiums less any claims will be returned.
If the Primary Insured dies before the 5th policy anniversary, the Return of Premium Benefit will terminateand no further premium for the rider will be due.
A Return of Premium Rider CANNOT be added after the policy is issued. TIPS FOR COMPLETING AN APPLICATION
It is important to complete the application in its entirety because it becomes the basis for the policy(which is a legal contract).
If the applicant answers “Yes” to any of the medical questions, the policy will be declined; DO NOT SUBMIT the application. TIPS FOR COMPLETING AN APPLICATION (CONT.)
● Ask each question, exactly as written (don't paraphrase).
● Record each answer exactly as given.
● Complete the application legibly and in black ink.
● Have each applicant initial and date any corrections or mistakes.
● Use an additional sheet to record any pertinent information you feel would be helpful in evaluating
the risk. Have the applicant sign and date any additional sheets.
● Use “white out” or similar substances for corrections or mistakes.
● “Lead” the applicant when they are responding to a question.
● Ask a general question (i.e. “Are you in good health?”) and then answer all of the medical questions
● Complete an application by telephone or correspondence. The writing agent must be present at the
● Allow someone other than the applicant to answer the application questions, unless it is a parent
● Answer questions with ditto marks (“) or dashes (–).
● Answer questions with “N/A” (not applicable).
● Use abbreviations unless you are sure they are correct. REPLACEMENT
If this policy is replacing any other Accident and Sickness or Long Term Care insurance policy, recordthe policy number and company name on the application, and complete and include a ReplacementNotice with the application.
SUBMITTING THE APPLICATION The following is REQUIRED for the CancerCare+ Cancer Series policy application:
● Application
● Premium (including the $35 application fee)
● Replacement Form: Necessary if a policy is replacing any Accident and Sickness or Long Term Care
insurance policy (if required in your state)
● HHA & HPN: Notice of Our Privacy Policy/Health Information Authorization
● MDN-Cancer: Medicare Duplication Notice
There may be other forms not listed above that are required in your state.
REINSTATEMENT PROCEDURES
All policies have a standard 31-day grace period followed by a 15-day conservation period. After 31days, reinstatement applications will be accepted for up to one hundred and fifty (150) days from thedate the policy lapsed. After one hundred and fifty (150) days, a new application will have to be completedand approved before a new policy will be issued.
For more information, contact the EquiCenter at 800-352-5124. UNINSURABLE MEDICATIONS If any applicant has taken any of the medications listed below for the treatment of cancer in the past ten (10) years, DO NOT SUBMIT the application. Applicants who have taken any of these medications in the past ten (10) years are automatically declined. UNINSURABLE MEDICATIONS (CONT.) MONTHLY BANK DRAFT MONTHLY BANK DRAFT BASE PLAN BASE PLAN WITH RETURN OF PREMIUM Issue Age Individual Single Parent Issue Age Individual Single Parent PREMIUM MODAL FACTORS * A one time application fee of $35 is also required. RATES* (CONT.) BASE PLAN BASE PLAN WITH RETURN OF PREMIUM Issue Age Individual Single Parent Issue Age Individual Single Parent * A one time application fee of $35 is also required. UNDERWRITING HOTLINE 800-352-5126 Switchboard 800-352-5120 800-352-5121 Benefits P.R. 800-352-5123 Policyowner Service 800-352-5124 Supplies 800-352-5125 Underwriting HotLine 800-352-5126 Marketing Services 800-352-5127 Agent Website www.EquiLine.com Equitable & You . . . Committed To Caring
CAREER AND JOB PLACEMENT SERVICES The Office of Career Placement is committed to assisting students and alumni in the successful realization of challenging, meaningful, and rewarding careers. We provide a wide array of cutting edge career-related services; including career counseling and workshops, career library resources, full-time job search assistance, and job fairs. The College’s
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