| Requirement Info | |
| 1 | State unique rating differences for HH/LTC Riders. See State Reference Chart for details |
| 2 | Special Notice of Information Practice form required with all applications. I573-NWB-151 R10-17 |
| 4 | CO, FL, MA, MN, NH, NC, NY, TX, VT, WA - state unique naming convention for LTC rider.See State Reference Chart for details (no pre-x MA NY TX) |
| 11 | NY requires all dependents (spouse, domestic partner & child over 14.5 yrs) to complete acknowledgement and authorization form. |
| 13 | Premium Rate Factor cannot be changed. See State Reference Chart for Factor. |
| 15 | CT, NY, TX and UT require ABR Disclosures at time of application for new issue plans - NO SIGNATURE REQUIRED. |
| 18 | NY: The policy must be received by the policy owner prior to the effective date. |
| 20 | EZV Increase Option is not available. |
| 33 | The following states contain question #9 on the application specific to Long Term Care coverage: CA, CO, FL, LA, MN, NC, NY(q11), OH, VT, WA |
| 38 | NY - Child coverage restricted to $50,000 total life ins including coverage through other carriers. Must include HH/LTC rider. |
| 43 | ITE form(signed), Generic Quotes, ELEC SIGN CONSENT, & Buyer's Guide req at TOA. All TOA forms sent prior to tele. enrollments. Quotes, Buyer's Guide, & Auth hardcopy req for face to face enrollments. |
| 44 | CTR and Child UL age limit max is through the age of 22. 23 can apply for Standard UL via paper app. |
| 46 | NY - 50/50 gender blend. LTC COI state specific and No prex. WP has state special target premium rates. No Job Loss. No DB option B. No TGUL on new policies. |
| 47 | NY- Applicant has right to request personalized illustration prior to enrollment |