CLARITY
VARIABLE /UNIVERSAL LIFE
VARIABLE LIFE APPLICATION
| | VUL | | SVUL (Survivorship)
Make check payable to:
Business Men's Assurance Company of America (BMA)
Service Center, P.O. Box 795066, St. Louis, MID 63179-0795
(800) 423-9398 Fax: (314) 525-9922
Overnight deliveries:
With premium -
BMA Service Center, Lockbox #795066,4019 Chouteau, St Louis, MO 631 1 0
Without premium -
BMA Service Center, SW-04,9735 Landmark Parkway, St. Louis, MO 63127
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<CAPTION>
1. PROPOSED INSURED
<S> <C> <C>
----------------------------------- -------------------------------- -----------------------
Name (First, Middle, Last) | | Male | | Female Previous Last Names
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Street Address
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City, State, Zip
----------------------------------- -------------------------------- -----------------------
Birthdate (M/D/Y) State of Birth
----------------------------------- -------------------------------- -----------------------
Social Security Number
----------------------------------- -------------------------------- -----------------------
( ) ( )
----------------------------------- -------------------------------- -----------------------
HomeTelephone BusinessTelephone
----------------------------------- -------------------------------- -----------------------
E- Mail Address
----------------------------------- -------------------------------- -----------------------
Employer/Occupation-Duties
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<TABLE>
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2. SECOND/COVERED INSURED IF APPLICABLE
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<S> <C> <C>
Name (First, Middle, Last) | | Male | | Female Previous Last Names
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Street Address
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City, State, Zip
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Birthdate (M/D/Y) State of Birth
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CIR Beneficiary Designation
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Social Security Number
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( ) ( )
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HomeTelephone BusinessTelephone
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E- Mail Address
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Employer/Occupation-Duties
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Relationship to Insured
</TABLE>
<TABLE>
<CAPTION>
3. OWNER (if different from Insured)
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<S> <C>
Name (First, Middle, Last) | | Male | | Female | | Other
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Street Address
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City, State, Zip
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Birthdate (M/D/Y)
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Social Security Number/Tax Identification Number
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( ) ( )
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HomeTelephone Business Telephone
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E- Mail Address
</TABLE>
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4. CONTINGENT OWNER (If the Original Owner predeceases the Insured,
ownership will vest in the estate of deceased Owner
unless a Contingent Owner is designated.)
------------------------------------------------------------- ---------------------------------------------------
<S> <C>
Name (First, Middie, Last) | | Male | | Female | | Other
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Street Address
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City, State, Zip
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Birthdate (M/D/Y)
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Social Security Number/Tax Identification Number
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( ) ( )
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HomeTelephone BusinessTelephone
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E- Mail Address
</TABLE>
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<CAPTION>
5a. PRIMARY BENEFICIARY DESIGNATION
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<S> <C> <C>
Name Relationship to Insured %
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Name Relationship to Insured %
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5b. CONTINGENT BENEFICIARY DESIGNATION
Name Relationship to Insured %
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Name Relationship to Insured %
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--------------------------------------------------------------------- ---------------------------------------------
</TABLE>
<TABLE>
<S> <C>
6. INITIAL PREMIUM PAYMENT
Paid with Application $ ___________________________ Method of Payment
Estimated 1035 Exchange Amount $ __________________ | | Notice | | PAC/EFT I List Bill*
1035 Loan Transfer Amount $ _______________________ *Address for list bill
-----------------------------------------------
------------------------------------------------
Payment Mode (Check one.) ------------------------------------------------
| | Annual | | Semiannual | | Quarterly List Bill Date: ________________________________
| | Monthly (Only with PAC/EFT) Payment:
Premium Quoted $ _______________________________
Premium Received $ _____________________________
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</TABLE>
7. PLAN OF INSURANCE
| | VUL
Amount of base life insurance coverage $ _____________
Choose one: (If not checked, option will automatically be level.)
| | Level - Death Benefit remains constant
| | Adjustable - Death Benefit changes with the accumulation value.
Additional Benefits: (May not be available in all states.)
| | Term Insurance Rider - $ ______________
| | Primary Insured Rider - $ -
| | Covered Insured Rider - $ _________________
(Complete sections 2, 8, 10, 12 and 15.)
| | Children's Term Rider # of units _______(Complete section 9
| | Guaranteed Minimum Death Benefit Rider
| | Waiver of Monthly Deductions Rider
| | Waiver of Planned Premium Rider
| | Other __________________________
| | SVUL (SURVIVORSHIP)
Amount of base life insurance coverage $ ______________
Choose one: (If not checked, option will automatically be level.)
| | Level - Death Benefit remains constant
| | Adjustable - Death Benefit changes with the accumulation value.
Additional Benefits: (may not be available in all states.)
| | Survivorship Term Rider - $ -
| | Guaranteed Minimum Death Benefit Rider
| | Exchange Option Rider
| | Four Year Term Rider
| | Other ___________________________
<PAGE>
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8. INFORMATION ABOUT THE INSURED(S) Proposed
Proposed Second/Covered
insured insured
-------------------- ---------------------
Yes No Yes No
-------------------- ---------------------
<S> <C> <C> <C> <C>
a. Have you ever been told you had or been | | | | | | | |
treated for diabetes, cancer, heart disease,
alcoholism, drug abuse, or high blood pressure?
If yes, please explain:
-------------------------------------------------- -------------------- ---------------------
b. During the past three years, have you had a | | | | | | | |
motor vehicle license SUSPENDED OR REVOKED or
been convicted of driving while intoxicated? If
yes, please explain:
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c. During the past two years, have you used any | | | | | | | |
type of tobacco? If yes, please specify:
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d. Have you had any insurance or reinstatement | | | | | | | |
refused, postponed, limited, offered, or quoted
on a substandard or rated basis?
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e. During the past three years, have you flown | | | | | | | |
as or do you intend to fly as a trainee, pilot,
or crew member?
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f. During the past three years, have you
participated in or do you intend to participate in:
| | Scuba Diving | | Skydiving | | Motor Racing
| | Hang gliding or similar flying activity? If yes, please explain:
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</TABLE>
Name/Address of personal physician:
Proposed Insured: _______________________________
Second/Covered Insured: _________________________
Date/Reason for last consult:
Proposed Insured: ______________________
Second/Covered Insured: ________________
Best time and phone number to call for telephone
interview: _______________________
<TABLE>
<CAPTION>
9. CHILDREN'S TERM RIDER
Complete this section for all children proposed for coverage
if you are applying for children's term rider: (Explain any yes answers in box 9a. below.)
----------------------------------------------- ---------- ---------- --------- -------------- ----------------
<S> <C> <C> <C> <C> <C>
Name of Child Proposed for Coverage Ht. wt. Sex State of DOB (M/D/Y)
Birth
----------------------------------------------- ---------- ---------- --------- -------------- ----------------
----------------------------------------------- ---------- ---------- --------- -------------- ----------------
----------------------------------------------- ---------- ---------- --------- -------------- ----------------
----------------------------------------------- ---------- ---------- --------- -------------- ----------------
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Within the last 7 years, has any child proposed for coverage been diagnosed as
having, treated for, or had a positive test for cancer, diabetes, or any
congenital conditions or behavioral disorders? | | Yes | | No
</TABLE>
9a. DETAILS FOR "YES" ANSWER ABOVE Provide details for all children proposed
for coverage for whom the "Yes" answer applies.
Name of Proposed Insured Child Details
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<PAGE>
10. REPLACEMENT OF OTHER CONTRACTS
<S> <C> <C>
Do you have any existing life or annuity contracts? | | Yes | | No
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Will the proposed policy replace any existing annuity | | Yes | | No
or life insurance contract?
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If Yes, list Insured's Name, replacing Company and Policy Number in the space below:
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Insured Name Company Policy Number
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-------------------------------------------------- ------------------------------------------ -------------------------------------
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How much life insurance coverage do you currently have in force with all companies?_________________
</TABLE>
11. ANTI-FRAUD STATEMENT
Any person who knowingly, and with intent to injure, defraud, or deceive any
insurance company, files a statement of claim or provides false, incomplete, or
misleading information as part of the information provided to obtain coverage
commits a fraudulent act, which is a crime and may be subject to criminal and
civil penalties.
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12. SUITABILITY PROPOSED
PROPOSED SECOND/COVERED
INSURED INSURED
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Yes No Yes No
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<S> <C> <C> <C> <C>
a. Do you believe that this policy is consistent with | | | | | | | |
your insurance needs and financial objectives?
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b. Do you understand that the amount and duration of the | | | | | | | |
death benefit may vary, depending on the investment
performance of the variable subaccounts?
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c. Do you understand that the policy values may increase | | | | | | | |
or decrease, depending on the investment performance of
the variable subaccounts?
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d. Did you receive the current prospectus for the life | | | | | | | |
policy applied for?
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e. Do you understand that the initial premium will be | | | | | | | |
allocated to the Money Market Sub-Account until the
expiry of the Free Look period?
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</TABLE>
13. TELEPHONE TRANSFER AUTHORIZATION
I hereby authorize and direct BMA to accept telephone instructions from any
person who can furnish proper identification. This authorization is subject to
the terms and provisions in the policy and prospectus. I agree that BMA will not
be responsible for any loss, liability, cost, or expense for acting on the
telephone instructions. BMA will employ reasonable procedures to confirm that
telephone instructions are genuine. If BMA does not do so, it may be liable for
any losses due to unauthorized or fraudulent transfers.
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<CAPTION>
<PAGE>
14. PORTFOLIO SELECTIONS
Premium Allocation* Dollar Cost Averaging** Asset Rebalancing***
------------------- ---------------------- --------------------
(You may select Dollar Cost Averaging or Asset
Rebalancing but not both at the same time.)
INVESTORS MARK SERIES FUND
<S> <C> <C> <C>
Intermediate Fixed -Standish (321) _____________% $________________ ________________%
Global Fixed Income Standish (322) _____________% $________________ ________________%
Balanced -Kornitzer (323) _____________% $________________ ________________%
Small Cap Equity -Stein, Roe (324) _____________% $________________ ________________%
Mid Cap Equity -Standish (325) _____________% $________________ ________________%
Large Cap Value -Babson (326) _____________% $________________ ________________%
Large Cap Growth -Stein, Roe (327) _____________% $________________ ________________%
Growth and Income -LordAbbett (328) _____________% $________________ ________________%
Money Market - Standish (329) _____________% $________________ ________________%
ALGER AMERICAN FUND
Alger American Growth Portfolio (313) _____________% $________________ ________________%
Alger American Leveraged AIICap (314) _____________% $________________ ________________%
Alger American MidCap Growth (315) _____________% $________________ ________________%
AMERICAN CENTURY
Income & Growth (306) _____________% $________________ ________________%
Value Fund (308) _____________% $________________ ________________%
BERGER INSTITUTIONAL PRODUCTS TRUST
Berger IPTInternational (330) _____________% $________________ ________________%
DREYFUS CORPORATION
Dreyfus Stock Index (310) _____________% $________________ ________________%
Dreyfus Disciplined (311) _____________% $________________ ________________%
FIDELITY FUNDS
FidelityVIP Overseas (345) _____________% $________________ ________________%
FidelityVIP Growth (346) _____________% $________________ ________________%
FiclelityVIP Contrafund (347) _____________% $________________ ________________%
INVESCO FUNDS GROUP, INC.
InvescoVIF HighYield Fund (337) _____________% $________________ ________________%
InvescoVIF Equity Income (338) _____________% $________________ ________________%
LAZARD ASSET MANAGEMENT
Lazard Small Cap (318) _____________% $________________ ________________%
Fixed Account (300) _____________% $________________ ________________%
TOTAL _____________% $________________ ________________%
100% 100%
</TABLE>
*Premium Allocation
o Portfolio selection can only be in whole percentages.
**Dollar Cost Averaging
o DCA Transfers will occur on the business day coincident with or
subsequent to the 15th of each month.
o $5,000 unloaned accumulation value to participate in DCA.
o A minimum of $250 must be transferred each month and a minimum of
$1,500 must be transferred in total.
o Allocation must be in whole numbers.
o Minimum participation of 6 months.
o Not available if Asset Rebalancing in effect.
***Asset Rebalancing
o Asset Rebalancing will occur on the business day coincident with or
subsequent to the 15th of each calendar quarter.
o $5,000 unloaned accumulation value to participate.
o Rebalancing must be in whole percentages.
o The fixed account is not part of asset rebalancing.
<PAGE>
15. SIGNATURES
I ACKNOWLEDGE RECEIPT OF THE CURRENT PROSPECTUS, MEDICAL INFORMATION BUREAU, AND
FAIR CREDIT REPORT ACT NOTICES. I UNDERSTAND THE POLICY IS VARIABLE AND THAT ANY
DEATH BENEFIT IN EXCESS OF THE SPECIFIED AMOUNT AND ANY POLICY VALUE OF THE
FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY APPLIED FOR, MAY INCREASE OR
DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS OF THE VARIABLE
ACCOUNT, AND THAT THE DEATH BENEFIT MAY BE VARIABLE OR FIXED UNDER SPECIFIED
CONDITIONS. THE POLICY VALUE ALLOCATED TO THE FIXED ACCOUNT WILL ACCUMULATE
INTEREST AT A RATE SET BY THE COMPANY WHICH WILL NOT BE LESS THAN THE MINIMUM
GUARANTEED RATE OF 4% ANNUALLY. THERE IS NO GUARANTEED MINIMUM POLICY VALUE IN
THE VARIABLE SUBACCOUNTS. THE POLICY VALUE MAY DECREASE TO THE POINT WHERE THE
POLICY WILL LAPSE AND PROVIDE NO FURTHER DEATH BENEFIT WITHOUT ADDITIONAL
PAYMENTS. THE POLICY VALUES MAY ALSO BE AFFECTED BY ANY CHANGES IN MONTHLY
DEDUCTIONS, THE INVESTMENT PERFORMANCE OF THE SELECTED SUBACCOUNTS AND THE
AMOUNT OF INTEREST THE COMPANY CREDITS TO THE FIXED ACCOUNT DEPENDING UPON MY
SELECTIONS.
It is agreed: (1) The application consists of this application form, the Medical
History Statement, and any supplemental application to apply for insurance on
family members, if it applies. (2) All statements in this application are, to
the best of my (our) knowledge and belief, complete and true. This application
and any amendments to it, with the answers made to the medical examiner (should
an exam be required), shall be the basis of any insurance issued. (3) All
information given to the registered representative/agent in response to the
questions in this application has been correctly recorded herein. (4) Unless
otherwise stated in a Conditional Coverage Receipt bearing the date of this
application, no liability exists until a policy is delivered to and accepted by
the Owner, and the first premium is paid, while the health and occupations of
all persons proposed for coverage are as stated in this application. (5) The
acceptance of any policy issued on this application shall be an acceptance and
ratification of all corrections, additions, or changes made by BMA. The changes
made by BMA are shown in the space below. However, any change in amount, class,
plan of insurance, benefits, or the age at issue shall be subject to written
ratification by the applicant. THIS AGREEMENT (or a copy of it) authorizes any
person or business listed as follows to give BMA, or its reinsurers, any records
or knowledge of me (us) or my (our) health: (a) any licensed physician, medical
practitioner, hospital, clinic or other medical or medically related facility;
(b) any insurance company; or (c) the Medical Information Bureau or other agency
employed by BMA. This authorization is valid for 30 months. The Owner has a
right to receive a copy of the authorization.
If the Owner is different from the Proposed Insured, the Proposed Insured agrees
that the Owner alone is entitled to all privileges incident to the ownership of
the policy. It is agreed that the application by the Proposed insured is made on
behalf of the Owner and that the Owner agrees to all statements, answers, and
agreements by the Proposed Insured in the application.
| | I consent to the delivery of the following documents to me in electronic
format, if available electronically: Profiles, prospectuses, prospectus
supplements, annual reports, semi-annual reports and proxy
statements/materials. I understand that BMA will send me the above
documents in electronic format, when available, until I revoke this
consent.
Please check one of the following:
| | Disk | | E-Mail | | CD-ROM
| | I prefer to receive printed copies of profiles, prospectuses, prospectus
supplements, annual reports and semi-annual reports.
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PROPOSED INSURED (OWNER UNLESS OTHERWISE SPECIFIED)
X ______________________________
Completed at:
City ___________________________ State _________ Date _________
Proposed Second/Covered Insured
X ______________________________
Completed at:
City __________________________ State _________ Date _________
Proposed Owner (if other than Proposed Insured)
X ______________________________
Completed at:
City- _________________________ State _________ Date _________
<PAGE>
16. Agent Information
Do you have any knowledge or reason to believe that replacement of existing
insurance or annuities may be involved?
| | YES | | NO
IF YES, COMPLETE REPLACEMENT FORM, IF REQUIRED, AND SUBMIT WITH THIS FORM.
Give the purpose of this insurance and the nature of the Owner/Insured's
insurance interest.
Estimated annual income, net worth and marital status of Proposed Insured(s),
if different
Representative's Signature ______________________________
Print Name ___________________________________________
Email: _______________________________________________
Broker # ____________________________/SSN______________
Phone # ______________________________________________
Broker-Dealer Name ____________________________________
Address ______________________________________________
______________________________________________
______________________________________________
Phone # ______________________________________________
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SPECIAL REQUEST BOX
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This space is for the use of the Service Center.
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