Please send a cover letter along with the application, when the purpose of the insurance is primarily cash accumulation, when the face amount is above $1,000,000, or when the financial loss to the beneficiary is unclear.

In this letter tell us:

• What the financial loss to the beneficiary will be,
• How the amount was determined, and
• The details of any other large-amount policies in force or recently applied for; please include the purpose, amount, beneficiary and status