Forest Hills Financial Group

UNDERWRITING CLASSIFICATIONS

• Preferred Plus NT
  • Available at face amounts of $250,000 and over
  • No tobacco use for previous 4 years
  • Blood Pressure, build, cholesterol and PSA levels within limits outlined in underwriting tables
  • HDL/cholesterol ratio of 5.0 or less or ages 20-69; 6.0 or less for age 70 or higher
  • No family history of cardiovascular, cancer, diabetes or kidney disease deaths under age 60; for age 70 or older, at least one parent survived to age 70
  • No history of chronic or recurring mental illness or depression in past 10 years; and no history or drug or alcohol treatment
  • No private aviation or ratable avocations/occupations
  • No More than 1 moving vehicle violation or DWI/DUI in past 5 years
  • No ratable medical impairments; no personal history of cancer (except non-melanoma skin cancer)
• Preferred NT
  • Available at face amounts of $100,000 and over
  • No tobacco use for previous 24 months
  • Blood pressure 150/90 or less with no current treatment
  • Build within 20% of average
  • Cholesterol of 240 or less not treated, HDL/cholesterol ratio 6.0 or less
  • No family history of cardiovascular deaths prior to age 60
  • No private aviation or ratable avocations/occupations
  • No DWI and no more than two moving violations in past five years
  • Cholesterol of 240 or less not treated for ages 20-54, cholesterol more than 100 and less that 260 for ages 55-69, with HDL/cholesterol ration 6.0 or less; cholesterol more than 100 and less than 280 for age 70 or higher, with HDL/cholesterol ration 6.5 or less.
• Non-Smoker
  • Available for all face amounts
  • No cigarette use for past 1 year
  • Non tobacco users who do not qualify for Preferred Plus
  • All Applicants under age 20
• Standard
  • Available for all face amounts
  • Cigarette smokers only

Preferred Best Qualifying Questionnaire

Forest Hills Financial Group, Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS), 95-25 Queens Blvd., 10th Floor, Rego Park, NY 11374, 718-268-9255. Securities products and investment advisory services are offered through PAS, a registered investment advisor and broker-dealer. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Forest Hills Financial Group, Forest Hills Pension Services, and Forest Hills Group Services are not affiliates or subsidiaries of PAS or Guardian.

PAS is a member of FINRA / SIPC.

The Financial Representatives of Forest Hills Financial Group are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact our licensing department at 718-268-9255. Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and / or tax advisor for advice concerning your particular circumstances. Disability Income and Long Term Care products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

Registered Representatives are securities licensed in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, and this website is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

The Living Balance Sheet® and The Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2009, The Guardian Life Insurance Company of America.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.