NOTICE OF INSURANCE INFORMATION PRACTICES
In the course of properly underwriting and administering your insurance coverage, we will rely heavily on information provided by you. We
may also seek information from others, such as medical professionals who have treated you. In some cases, we may ask a consumer
reporting agency to collect information and submit an investigative consumer report to us. You have the right to request to be interviewed
in connection with the preparation of that report. You may receive a copy of the report upon request.
You have the right to be told about, and to see and copy if you wish, items of personal information about you which appear in our files,
including information contained in investigative consumer reports. You also have the right to seek correction of information you believe to
be inaccurate.
The above is a general description of our information practices. If you would like to receive a more detailed explanation of those practices,
please send your request to the chief underwriter, P.O. Box 1650, Little Rock, AR 72203
FEDERAL FAIR CREDIT REPORTING ACT NOTICE
In connection with your application for insurance, an investigative consumer report may be prepared whereby information is obtained
through personal interviews with your family, friends, neighbors, business associates, financial sources, or others with whom you are
acquainted. This inquiry includes information as to your character and general reputation. If an investigative consumer report is prepared in
connection with your application, you may receive a copy of that report upon written request to the Company.
USAble Life
P.O. Box 1650 y Little Rock, Arkansas 72203
EVIDENCE OF INSURABILITY (Please Print)
A completed Enrollment Form must accompany this form.
SECTION 1 Completed By Employer
Group Name
Date of Hire Telephone # (include area code) Group Number
Amount of Insurance Applying for:
Employee Life: $ Dependent Life $ Disability $ Other:
Employee’s Annual Salary
SECTION 2 Completed by Employee
Vol. Group Term Life Amount over Guarantee Issue Late Enrollee
Name (First, MI, Last)
Social Security No.
Home Address
City State Zip County
Date of Birth Birth State or Country
Gender
M F
Height (ft-in.) Weight (lbs.) Work Phone
Home Phone
Spouse & Children Information – Complete if Applying for Dependent’s Coverage.
Person Proposed for Insurance
Show first, middle, last name
Occupation
Date of Birth & Place
Height Weight
Marital
Status
Sex
Month Day Year
State or
Country
(Spouse)
(Child)
(Child)
(Child)
(Child)
Spouse’s Social Security No.:
Spouse’s Work Telephone #:
SECTION 3 Insurability Questionnaire Yes No
1. Has anyone to be covered used any tobacco products in the past year?
2. Does anyone to be covered have any condition for which consultation or treatment is contemplated or has been
advised?
3. Has anyone to be covered been hospitalized for any reason during the past five (5) years?
4. Has anyone to be covered consulted a physician in the past one (1) year for any reason?
5. Has anyone to be covered ever been diagnosed or treated by a member of the medical profession for:
a. Cancer, cancer related disease or benign tumor?
b. Disease of the heart or blood vessels, or had a
stroke?
c. Kidney disease or diabetes?
d. Alcohol or drug abuse?
e. Lung, asthma, liver or blood disorder?
Yes No
f. Emotional, nervous system, eating disorder, or
mental health problems?
g. Ulcer, stomach or digestive disorder?
h. Arthritis, back, bones or joint disorder?
i. Bladder, urinary system or reproductive organs
disorder?
Yes
No
6. Has anyone to be covered ever been diagnosed or treated by a member of the medical profession for: Acquired
Immunodeficiency Syndrome ("AIDS") or AIDS Related Complex, or Human Immunodeficiency Virus ("HIV")?
7. Has anyone to be covered ever been diagnosed or treated by a member of the medical profession for hypertension
(high blood pressure) or high cholesterol? If yes, list name of person(s), medications taken, medication dosage, last
two blood pressure readings, and/or last two cholesterol readings in Section 4.
8. Is anyone to be covered currently taking medication(s)? If yes, list name of person, reasons, medications and
dosage in Section 4.
9. Has anyone to be covered ever had any impairments, diseases or illnesses not covered in questions 2 – 8?
10a. Are you now pregnant?
Yes No
10b. Have you ever had an ectopic pregnancy, a problem pregnancy, a
miscarriage, a problem delivery, a therapeutic abortion, or a Cesarean section?
11. Are you actively at work on the date of this application and have you been actively at work for the 31 days prior to
such date? If No, give full details in Section 4.
12. Names, addresses, and phone numbers of the personal physicians of all applicants:
___________________________________________________________________________________________________
SECTION 4 – Give Details to “Yes” answers to questions 2 through 10 include dates of treatment: Separate Sheet Attached
Ques. No.&
Individual
Illness/Reason for Checkup or Medication & Dosage or
Doctor’s Treatment/Consultation
Date & Duration
Full Name, Complete Address and Telephone Number
of Doctors & Hospitals
Be Sure to Read the Important Disclosures and sign on Page 2/Reverse
EOI (1-13)
MEDICAL INFORMATION BUREAU DISCLOSURE NOTICE
Information regarding your insurability will be treated as confidential. USAble Life or its reinsurers may, however, make a brief report
thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of life insurance
companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or
health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the
information about you in its file.
Upon receipt of a request from you, the MIB will arrange disclosure of any information it may have in your file. Please contact MIB at
(866) 692-6901 (TTY (866) 346-3642). If you question the accuracy of information in MIB’s file, you may contact MIB and seek a correction
in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB’s information office is:
50 Braintree Hill, Braintree, Massachusetts 02184-8734.
USAble Life or its reinsurers may also release information in its file to other life insurance companies to whom you may apply for life or
health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website
at www.mib.com.
PLEASE READ YOUR CERTIFICATE OF COVERAGE CAREFULLY UPON ITS RECEIPT.
Check to see if it includes an Exclusion of Coverage amendment.
Employee’s Name (First, MI, Last)
Social Security # Employer Name
NOTICE FOR PROPOSED INSURED
IMPORTANT NOTICE FOR DISABILITY COVERAGE
Acceptance of your application for disability income insurance will be based upon the information contained in the Evidence
of Insurability, including the medical information disclosed and information obtained from your medical providers. Your
insurance coverage may not be issued as applied for. If not, an "Exclusion of Coverage Amendment" will be attached to
your certificate of coverage.
PLEASE READ YOUR CERTIFICATE OF COVERAGE CAREFULLY UPON ITS RECEIPT.
IMPORTANT NOTICE CONCERNING YOUR EFFECTIVE DATE
1. Insurance will not be effective until the application is approved by USAble Life.
2. Insurance will not be effective if there has been a change in the health of the proposed insured(s) after the date of the
application and prior to the effective date.
3. For benefits sheltered under a Section 125 Cafeteria plan: To satisfy premium deduction requirements of your employer
and dating requirements of the Section 125 Plan, your coverage will be dated and become effective on the first day of the
month following the effective date (anniversary date for resolicitation) of the Section 125 agreement or on the first day of
the month following underwriting approval, whichever is later. There is no coverage until the effective date of the policy.
In signing below, I: (a) represent that the statements and answers given in this application, are true, complete and correctly
recorded; (b) understand that the insurance applied for is not effective until the application is approved by USAble Life; (c)
authorize USAble Life or its reinsurer to make a brief report of my personal health information to MIB; (d) authorize any
physician, medical practitioner, hospital, clinic, or other medical facility, insurance or reinsurance company, or MIB, Inc.,
formerly known as Medical Information Bureau, Inc., having information on me or any member of my family (only those who
have applied for coverage on this application) regarding our mental and physical health, other insurance coverage,
hazardous activities, character, general reputation, finances, and vocation to give to USAble Life, its reinsurers, or its legal
representative any and all such information to use for underwriting insurance; (e) authorize all said sources, except MIB, to
give such records or knowledge to any agency employed by the company to collect and transmit such information in order to
facilitate its rapid submission; (f) agree that this authorization shall be valid for two (2) years from the date the authorization is
signed; (g) agree that a photocopy of this authorization shall be as valid as the original and I understand that a copy is
available to me or my representative upon request; (h) acknowledge I have read and understand all disclosures on this form;
and (i) acknowledge receipt of written notification describing the use of the MIB as required by the Fair Credit Reporting Act
and the Notice of Information Practices. I have read and understand the above statements and agreements.
Insurance Fraud Warning – It is or may be a crime to knowingly provide false, incomplete, or misleading information to an
insurance company for the purpose of defrauding the company or other person. Penalties may include imprisonment, fines,
and denial of insurance benefits in accordance with applicable state law.
Signed at: Date of Application
City and State Month, Day, Year
X
X
Agent’s Signature Employee’s Signature
EOI (1-13)
Date Received Home Office
APP-NOTICE (9-08)
P.O. Box 1650
Little Rock, AR 72203
NOTICE FOR PROPOSED INSURED
Notice of Insurance Information Practices
In the course of properly underwriting and administering your insurance coverage, we will rely heavily
on information provided by you. We may also seek information from others, such as medical
professionals who have treated you. In some cases, we may ask a consumer reporting agency to
collect information and submit an investigative consumer report to us. You have the right to request
to be interviewed in connection with the preparation of that report. You may receive a copy of the
report upon request.
You have the right to be told about, and to see and copy if you wish, items of personal information
about you which appear in our files, including information contained in investigative consumer reports.
You also have the right to seek correction of information you believe to be inaccurate.
THE ABOVE IS A GENERAL DESCRIPTION OF OUR INFORMATION PRACTICES. IF YOU
WOULD LIKE TO RECEIVE A MORE DETAILED EXPLANATION OF THOSE PRACTICES, PLEASE
SEND YOUR REQUEST TO THE CHIEF UNDERWRITER, P.O. Box 1650, Little Rock, AR 72203
Federal Fair Credit Reporting Act Notice
In connection with your application for insurance, an investigative consumer report may be prepared
whereby information is obtained through personal interviews with your family, friends, neighbors,
business associates, financial sources, or others with whom you are acquainted. This inquiry includes
information as to your character and general reputation. If an investigative consumer report is
prepared in connection with your application, you may receive a copy of that report upon written
request to the Company.
Medical Information Bureau Disclosure Notice
Information regarding your insurability will be treated as confidential. USAble Life or its reinsurers
may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information
Bureau, a not-for-profit membership organization of life insurance companies, which operates an
information exchange on behalf of its members. If you apply to another MIB member company for life
or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon
request, will supply such company with the information about you in its file.
Upon receipt of a request from you, the MIB will arrange disclosure of any information it may have in
your file. Please conta
ct MIB at (866) 692-6901 (TTY (866) 346-3642). If you question the accuracy
of information in MIB’s file, you may contact MIB and seek a correction in accordance with the
procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB’s information office
is: 50 Braintree Hill, Suite 400, Braintree, Massachusetts 02184-8734.
USAble Life or its reinsurers may a
lso release information in its file to other life insurance companies
to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted.
Information for consumers about MIB may be obtained on its website at www.mib.com.