Unless the agent notifies us, or file information indicates otherwise, we will assume:

1. The policy was solicited and will be delivered in the state where the application was signed, and
2. Medical requirements will be performed in the insured's state of residence.

The state where the policy will be delivered determines:

• All application forms
• Exam forms
• Questionnaire forms
• Products/Benefits

The state where the policy was solicited determines:

• Replacement forms
• Agent state appointments

The state where the medical requirements will be performed determines:

• HIV consent form

To download state specific applications, go to Life Forms & Applications