⭐General Requirements for All Forms

Whenever you're helping a client submit any of our seven service forms, there are a few universal requirements you should always keep in mind. Following these will help avoid delays, corrections, or returned submissions.

---

✅ Information That Must Be Included

Every form — no exceptions — needs the following details completed in full:

• The 10‑digit policy number
• The insured’s full name
• The policyholder’s name (if it’s not the same as the insured)
• Date of birth for both the insured and policyholder
• The policyholder’s ID number
• The current residential address
• The tax identification number (TIN)
• The policyholder’s email and phone number
• The application date

✔️ Tip: None of these fields can be left blank. Any missing information will result in the form being returned.

---

✍️ Valid Signatures & Dates

To be accepted, forms must be properly signed and dated. Here’s what that means in practice:

• The signature date must be within the last 30 days.
• The policy owner must sign the application.
• Whenever possible, we prefer a witness signature from the Independent Consultant.
• If the policy has an irrevocable beneficiary, that beneficiary must sign too.
• Electronic signatures are acceptable only if they meet encryption standards.
• The physical signature must match the ID provided.

---

📤 Submitting the Form

When you're ready to send the forms to PHS, make sure you follow these submission rules:

• email the form to PHS@citizensinc.com 
• Email submissions must be sent as a PDF attachment.
• The PDF must be complete, clear, and easy to read.
• Photos or image files (JPG, PNG, etc.) will not be accepted.
• A valid passport or ID (with expiration date and signature) must be included with any service request.
• Every email to PHS must:
  • Include the 10‑digit policy number in the subject line, and
  • Include your IC number in the body of the email
• You must send one request per email.
• PHS may request originals or additional documents depending on the case.

---

🌐 Language Requirements

All form fields must be completed in the language of the policy.

---

⏳ What Happens After You Submit

Once PHS receives all required documents:

• Processing will begin.
• If something is missing or incomplete, the request won’t be accepted.
• Once processing is finished, PHS sends a confirmation email to the customer.
• The confirmation explains that the change applies only to the policy contract.
• A copy of the submitted request and final confirmation is stored for company records.

---

⭐ Endorsable Policy Changes H01280E

The Endorsable Policy Changes form H01280E is used when a customer needs to make updates to their policy that require formal review and an official endorsement from the company before they take effect. 
Think of this form as the one you use anytime a change must be “approved” rather than simply recorded. 

Here is the link to form H01280E needed for Endorsable Policy Changes https://citizensinc.zendesk.com/guide-media/01KHVZDYB8KFNA81WE8EWPAP76 once completed the form needs to be sent to PHS@citizensinc.com 

This section includes four main types of changes:

1. Changing Beneficiaries
2. Changing the Policy Owner
3. Changing a Name
4. Selecting Non‑Forfeiture Options

Let’s walk through each one in a friendly, step‑by‑step way.

---

1️⃣ Changing a Beneficiary

This section lets the policyholder update primary and/or contingent beneficiaries. Before submitting a change, always check for two things:

✔️ Is there an Irrevocable Beneficiary?

If yes, then both the policyholder and the irrevocable beneficiary must sign the form.

✔️ Is there an ADB (Accidental Death Benefit) Beneficiary?

If the policy has an ADB beneficiary, important rules follow:

• The current ADB beneficiary must be listed as one of the primary beneficiaries (minimum 1%).
• If there is no ADB beneficiary, then beneficiary changes follow normal rules.
• If the new beneficiary differs from the ADB beneficiary, the policyholder must also submit a separate form (H01380 – section “Other Changes”) to change the ADB beneficiary.
• The ADB beneficiary change must be approved by Underwriting, and the form must include the professional history of the proposed ADB beneficiary.

✔️ Completing the Beneficiary Section

• All primary beneficiaries must total 100%.
• All contingent beneficiaries must also total 100%.
• If no percentages are specified, shares will be split equally.
• Clearly state each beneficiary’s relationship to the insured.
• Provide a valid passport or ID (with expiration date) and contact address for each new beneficiary.

---

2️⃣ Changing the Policy Owner

Changing the owner means transferring ownership from the current policyholder to a new one. Here’s what’s needed:

📄 Required Documents

• Valid passport or ID for the current policyholder
• Valid passport or ID for the proposed new policyholder
• IRS form W‑8 or W‑9, depending on their tax status

📝 Required Information for the New Owner

Make sure the form includes: 

• Name
• ID number
• Date of birth
• Address
• Email
• Phone number

✍️ Signature Rules

• Current owner signs the field: “Signature of the Insured Party or Owner if not the Insured Party.”
• New owner signs the field: “Signature of the Assignee (if any).”
• Signatures must match the IDs provided.
• The proposed contingent owner is not required to sign.

🌟 Pro Tip

It is strongly recommended that every policy has a contingent owner. If the policyholder passes away before the insured, the contingent owner automatically becomes the new policyholder.

---

3️⃣ Changing a Name

A name change can be requested for:

• The insured
• The primary or contingent owner
• The primary or contingent beneficiary

What the applicant must provide:

• A valid passport or ID
• Legal proof of name change (e.g., marriage certificate)

The policyholder must sign the request, and the signature must match the ID on file.

---

4️⃣ Non‑Forfeiture Options (ETI or RPU)

Non‑forfeiture options allow a policyholder to keep some level of coverage even when they stop paying premiums, using the policy’s cash value.

The two available choices:

Option 1 — Extended Term Insurance (ETI)

• Cash value buys term insurance for a limited time.
• Death benefit stays the same.
• When the term runs out, the policy ends.

Option 2 — Reduced Paid‑Up (RPU)

• Cash value buys a smaller permanent policy.
• Death benefit is reduced.
• Policy length stays the same.

How to complete the form:

• Select Option 4: Non‑Forfeiture Option.
• Check either RPU or ETI.
• Do not fill in values — PHS will calculate these.

Key things to keep in mind:

• Dividends and APB apply to reduce outstanding loans first.
• If there’s no loan, dividends go to miscellaneous funds.
• Submitting during premium anniversary can cause early payments to be reversed.

---

⭐Securities Settlement in the Policy H01282E

The H01282E form is what policyholders use whenever they want to access, move, or withdraw funds from their policy — whether that’s dividends, annuities, early termination values, or maturity proceeds. It basically tells PHS how the customer wants their money handled.

Here is the link to form H01282E needed for miscellaneous policy changes https://citizensinc.zendesk.com/guide-media/01KHW209HC36JDHEPB6425NJ58 once completed the form needs to be sent to PHS@citizensinc.com 

This section covers five types of actions:

1. Funds on Deposit (FOD) — both ongoing and one‑time use
2. Withdrawal from the Annuity Fund
3. Early Termination
4. Maturity
5. Settlement Options (Supplemental Contract)

Let’s break them down in plain language.

---

1️⃣ Funds on Deposit (FOD)

Funds on Deposit are dividends or Annual Premium Benefits (APB) sitting in the policy. Customers can either leave them accumulating or use them.

There are two parts to this section of the form:

---

🌟Fixed Future Option (Dividends/APB)

This part is for customers who want to keep adding dividends or APB into an interest‑bearing deposit inside the policy.

Key things to know:

• Dividends/APB continue to accrue if premiums are paid on time.
• Deposits can be reduced if there’s an active APL.
• APB deposits have an annual 10% management fee.

---

🌟 Using Funds on Deposit (One‑Time)

This is for policyholders who want to use their FOD right now.

They must choose one:

• Apply funds toward a policy loan
• Apply funds toward premium payments

If they want a payout:

They must pick a payout method:

• Bank transfer (requires the bank transfer form)
• Check
• Other instructions written clearly

---

2️⃣ Withdrawal from Annuity Fund

This section is used when policyholders want to withdraw money from their annuity fund — either full or partial.

---

✨ Full Withdrawal (Termination)

• They can surrender the entire annuity value anytime before maturity.
• The company may delay payment for up to six months.

---

✨ Partial Withdrawal

• They can withdraw part of the annuity while leaving the rest active.
• Only one cash withdrawal per 12 months (unless used to pay premiums).
• Minimum withdrawal: $100
• At least $100 must remain in the account after withdrawal.

---

✍️ Filling Out This Section

• Select Option #2: Withdraw Annuity.
• Indicate whether it’s full or partial.
• If applying the withdrawal to pay a premium:
  • Write the policy number receiving the payment.
  • Explain how the remaining balance will be paid if not fully covered.
• For cash withdrawals, choose check or bank transfer.

---

⚠️ Special Rules for Annuity Max

During the first 5 years, any full or partial withdrawal will incur a termination fee based on the annuity’s purchase value.

---

⚠️ Withdrawal from DPDF (Not Recommended)

• Write “Withdraw DPDF” clearly on the form.
• Penalty is 15% or 50%, depending on fund age.
• Must also choose check or bank transfer.

---

3️⃣ Early Termination of the Policy

When the policyholder requests early termination:

Step 1 — PHS Sends a Conservation Letter

This explains the consequences and confirms the customer’s intent.

Step 2 — Cash Value Is Calculated

Cash value includes:

• Cash value of additional insurance
• Bonus amounts and deposited annuity benefits
• Annuity rider funds (paid in addition to cash value)
• Prepaid insurance funds

Deductions include:

• Outstanding loans
• Cancellation penalties
• Surrender charges
• Dividends/APB previously paid early

Step 3 — Customer Chooses What to Do With the Money

Options:

1. Withdrawal — fully terminate and receive cash value
2. Payment to Another Policy — apply value to another policy’s premium
3. Additional Contract — transfer value into a supplemental contract
   • If selected, skip payment instructions and complete Section 5 instead.

Required:

Choose payout method (check or bank transfer).

---

4️⃣ Maturity

When a policy matures, the system sends a notification automatically.

The policyholder must select Option 4: Maturity and then choose what to do with the maturity value:

• Withdraw the funds completely
• Apply the funds to another policy
• Transfer to an additional contract (requires completing Section 5)

Payment instructions apply (check or bank transfer).

---

5️⃣ Settlement Options / Supplemental Contract

If the customer chooses a supplemental contract (either from termination or maturity), they must select a settlement option within 45 days.
Settlement calculations are provided within 5 business days, and the contract is completed in 4–6 weeks, once all documents are received.

PHS sends the completed contract via email.

---

Available Settlement Options

Option 1 — Fixed Periodic Payments

Equal payments for a set number of years.
If the payee dies early, remaining payments go to their beneficiary.

---

Option 2 — Lifetime Income with Guaranteed Period

Pays for life, with a guaranteed period of 5, 10, 15, or 20 years, or “Installment Refund.”

If the payee dies:

• During the guaranteed period: remaining payments go to beneficiary.
• Under installment refund: any unpaid balance goes to beneficiary.

---

Option 3 — Interest Option

Company holds the principal and pays interest to the policyholder:

• Either periodically (quarterly, semi‑annual, annual)
• Or accumulated to grow the balance
   

If the payee dies, the remaining principal and interest are paid in a lump sum to their beneficiary.

---

⭐Miscellaneous Policy Changes H01281E

The Miscellaneous Policy Changes form H01281E is the “everything else” form — the one policyholders use to make common updates that don’t require a full endorsement or underwriting review. It covers routine changes like loans, APL updates, address changes, and insurance certificate requests.

Here is the link to form H01281E needed for miscellaneous policy changes https://citizensinc.zendesk.com/guide-media/01KHW20BPV2SHS9Q42QG3P9AN3 once completed the form needs to be sent to PHS@citizensinc.com 

Let’s walk through each part in plain language.

---

1️⃣ Policy Loans

A policy loan lets the policyholder borrow against the available cash value in their policy.

✔️ What a policy loan can be used for:

• Cash advance
• Paying premiums on the policy

✔️ How to request a loan:

1. Select Option #1 (Loan).
2. Enter the amount the policyholder wants to borrow.
3. Choose whether the loan is for cash or premium payment.
4. Select the payout method (check or bank transfer) — this may require a manual note.

🔍 Key things to keep in mind:

• Do not confuse a Policy Loan with a Hardship Loan — they are different.
• No policy loans are allowed during the first 14 policy years, except in specific APL situations.
• Loans cannot be taken if the policy is under Extended Term Insurance (ETI) or Non‑Forfeiture Options (ETI or RPU).
• All policy loans accrue 7.5% compound interest annually.
• PHS will notify the customer of the maximum loan amount once the request is reviewed.

---

2️⃣ Automatic Premium Loan (APL)

The APL feature automatically pays premiums using the policy’s cash value if the policyholder forgets or is unable to pay.

✔️ To update APL:

• Select Option #2 (Automatic Premium Loan).
• Choose either Add or Eliminate.

It’s a simple toggle — you're either turning APL on or off.

---

3️⃣ Change of Address

This is one of the most common requests. It updates the customer’s physical address and contact details.

✔️ To submit an address change:

1. Select Option #3 (Address Update).
2. Clearly write the full new address, including:
   • Street
   • City
   • State
   • ZIP code
   • Country
3. Provide the updated phone number and email address.

👍 Tip: Make sure handwriting or typed information is clear — incorrect address changes are a common source of processing delays.

---

4️⃣ Insurance Certificate

This option is for customers who have lost their original policy document and need an official Certificate of Insurance.

✔️ To request an insurance certificate:

1. Select Option #4 (Insurance Certificate).
2. Make sure to check the consent box on the right side.
3. If the customer needs copies of page 3 or page 4 of the original policy, write that in the space provided.

Once processed, PHS will email the certificate to the policyholder.

---

⭐ Additions and Reductions of the Policy H01380E

The H01380E form is used whenever a policyholder wants to increase or reduce certain features of their policy. Think of this form as the tool for adjusting coverage levels, riders, annuity features, and other value‑related elements.

Here is the link to form H01380E needed for additions and reductions of the policy https://citizensinc.zendesk.com/guide-media/01KHW20BPV2SHS9Q42QG3P9AN3 once completed the form needs to be sent to PHS@citizensinc.com 

These changes usually follow specific timing rules (often only on the policy anniversary), and some adjustments require additional review depending on what’s being changed.

Section D includes three main types of updates:

1. Changes to the Plan Amount
2. Updates to Benefit Riders
3. Other changes not covered elsewhere

Let’s walk through each one in a friendly, practical way.

---

1️⃣ Section 1: Plan Amount

This section is used to change the basic structure of the policy. It includes several types of adjustments:

✔️ Types of updates available:

• Change of Plan
  • Usually not available on international contracts, except when a policy has a conversion clause.
• Reduction of Coverage Amount
  • The customer must state the exact amount they want to decrease.
• Policy Conversion
  • Allowed only if the policy includes a Conversion Clause.
• Conversion of Riders
  • Similar to policy conversion — only available when riders include a conversion clause.
• Change in Premium Payment Frequency
  • Can be switched to annual, semi‑annual, or quarterly.
• Automatic Premium Loan Option
  • Can be activated or deactivated within this section.

⚠️ Important things to consider before reducing coverage:

• The policy premium will decrease.
• Commissions on the policy structure are reduced by 33.33% for years 1 and 2.
• No new policy content page will be issued after the reduction.
• Reductions affect the basic plan, any supplemental benefits, and term coverage.
• Dividends will also decrease.
• The policy’s effective insurance unit value decreases proportionally.
• The new values apply retroactively to the original issue date.
• Surrender charges for the policy year will adjust accordingly.
• The policy owner must agree to all reduction conditions before the change is processed.

---

2️⃣ Section 2: Benefits Riders

This section is used to add or remove riders or supplemental benefits.

✔️ What you can do here:

• Add riders
• Remove riders
• Adjust supplemental benefits

⚠️ Important notes:

• Every policy has different limits, eligibility rules, and age requirements — always double‑check the contract.
• Adding a new rider may require medical information or health questions.
• Riders can only be added or canceled on the policy anniversary date.
• Any change that affects the premium amount must also be done on anniversary.
• For new riders, the premium is calculated based on the policyholder’s current age.

---

3️⃣ Section 3: Other Changes

This is the catch‑all section for adjustments that don’t fall under Plan Amount or Riders. It includes:

✔️ Additional options:

• Review for reducing or removing a rating / extra premium
• Adjusting Annual Premium Benefit (APB) units — increase or decrease
• Adding Advanced Premium Payment Fund (DPDF)
  • Must specify amount and number of years
• Adding an Annuity Fund (FPA)
  • Email must state whether it’s commissionable or non‑commissionable
• Programmable or Non‑Programmable options
• Other requests (a blank line is provided)

Important restrictions:

• FPA cannot be changed once added to the policy.

After processing:

PHS will send an email confirmation with the finalized changes.

---

⭐ Additional Reference Sections 

Because Section D references several important concepts, here are friendlier explanations of the key “About” sections included in the document.

---

📘 About DPDF — Advance Premium Fund

DPDF lets a policyholder prepay future premiums into a special fund.

What to remember:

• Maximum prepayment: 20 years
• No policy loan may exist while using DPDF
• Must request a DPDF calculation from PHS before submitting payment
• Early withdrawal penalties:
  • 15% for deposits made before 2017
  • 50% for deposits made after 2017
• DPDF withdrawals are automatic each anniversary
• Any DPDF deposit over $10,000 (beyond the premium amount) needs Source of Funds (SOF) documents

---

📘 About Annuity Fund (FPA)

FPA is an optional savings component built into the policy.

Key points:

• Minimum to open: $500
• Minimum additional deposits: $100
• Cannot be added if policy is under RPU or ETI
• Specify whether deposits are commissionable (6% deducted) or non‑commissionable
• One withdrawal per year (unless for premiums)
• Current interest rate: 4.08% annually
• SOF documents required for deposits over $10,000 (beyond premium)

---

📘 About Annuity MAX

This is a higher‑value version of the Annuity Fund with more restrictions.

Highlights:

• Opening deposit: $25,001–$400,000
• Programmable deposits: $100 minimum, $10,000 max per 365 days
• Surrender charges apply during first 5 years
• Only life income settlement option is available during first 5 years

---

📘 About Source of Funds (SOF)

SOF documentation confirms where the customer’s money comes from. Required for:

• Any deposit over $10,000 beyond the premium amount

Accepted documents include:

• Paychecks
• CPA‑certified letters
• Bank statements
• Investment statements
• Real estate or asset sale agreements
• Business licenses
• Prior financial product withdrawals
• Computershare statements

If documents aren’t provided within 30 days, funds are returned to the original payment source.

---

⭐Application for Reinstatement F05980

Here is the link to form F05980 needed for an application for Reinstatement https://citizensinc.zendesk.com/guide-media/01KHW206E1YNJEYQATV5G2Y0VV once completed the form needs to be sent to PHS@citizensinc.com 

The Reinstatement Application F05980 is used when a policy has lapsed or entered a non‑forfeiture status (like RPU or ETI) and the policyholder wants to bring it back into active status.

A policy can usually be reinstated within five years of the lapse or non‑forfeiture date — as long as all requirements are met.

Let’s walk through this section in a clear, consultant‑friendly way.

---

1️⃣ When Is a Policy Eligible for Reinstatement?

Reinstatement is possible when:

• The policy has lapsed because its cash value was exhausted, or
• It was placed under a non‑forfeiture option like RPU or ETI.

As long as it’s within five years of the lapse date and the required conditions are satisfied, the policy can be brought back into force.

---

2️⃣ What PHS Requires for Reinstatement

To reinstate a policy, the policyholder must submit:

• All overdue premiums since the lapse/non‑forfeiture date
• Payment or recovery of any outstanding debts that existed at the time of lapse
• Interest on overdue premiums and policy loans
• Evidence of insurability (medical form), depending on the case

✔️ Interest rules:

• 0% interest if overdue for 0–6 months
• 3% interest for 6–12 months
• 4% interest for over 12 months

If total debt + interest exceeds the policy’s maximum loan value, the excess must be paid before reinstatement is possible.

---

3️⃣ Special Requirements & Forms

✔️ Guaranteed Certification

• A Policy Lapse Health Notice must have been issued within the last 3 days.
• A full reinstatement application is required.

✔️ Signature Requirements

• The reinstatement form must be signed by the policyholder.
• If the insured is over 18, they may also need to sign.
• Signatures must match the signature on file.
  • If not, PHS may ask for a passport with signature page.

✔️ Additional forms may be required:

• If the policy has Payor Death and Disability Benefit → an extra form is required
• If reinstating BADB/BBMA (Accidental Death Benefit) → a separate reinstatement form is required

---

4️⃣ Completing the Medical Questionnaire

The insured must answer all medical questions completely based on their health history.

If any answer is “Yes”:

• A full written explanation is required
• The case will go to the Risk Department for review
• Additional documents or medical tests may be requested

---

5️⃣ Other Important Notes

• For UPLAN, only the payor needs to complete a medical form — no medical is required for a child insured.
• Make sure your Independent Consultant (IC) number and name are included so commissions update correctly.

---

6️⃣ After the Process Is Completed

Once PHS finishes the reinstatement review and everything is in order:

• PHS sends a confirmation email to the policyholder.

This confirms the policy is officially reinstated and back in active status.

---

⭐CICA Preferred Term H50880

Here is the link to form H50880 needed to add a CICA preferred term to a policy https://citizensinc.zendesk.com/guide-media/01KHW203PCFWW01WRFKY5CZ5W0 once completed the form needs to be sent to PHS@citizensinc.com 

The CICA Preferred Term form H50880 is needed when a policyholder wants to add Preferred Term coverage to an existing policy. This additional coverage provides extra term insurance, but because it increases the total risk to the company, it requires a full review and approval process.

This section walks you through exactly what’s required before submitting this form to PHS.

---

1️⃣ Before You Apply: Key Eligibility Requirements

Not every policy automatically qualifies for Preferred Term. Before submitting the request, make sure the following conditions are met:

✔️ The base policy must have been in force for at least 2 years

✔️ The request must be submitted on or before the policy’s anniversary date

✔️ The policy must be paid to the anniversary date

✔️ The requested Preferred Term period cannot exceed the base plan’s remaining term

✔️ The Preferred Term sum insured must be:

• No more than 10 times the base sum insured, and
• No more than $1,000,000, whichever limit is lower

✔️ Across all CICA policies, the insured cannot exceed $1,000,000 of total coverage

✔️ The Preferred Term’s fixed‑rate premium years must not exceed the remaining premium‑paying years of the base plan

---

2️⃣ Completing the Medical Questionnaire

The Preferred Term application includes a medical section that must be filled out completely and accurately.

✔️ All medical questions must be fully answered

✔️ If any question is answered “Yes”:

• A detailed written explanation is required
• Additional medical requirements may be requested
• The Risk Department may need to review the case

---

3️⃣ Additional Documentation That May Be Required

Depending on the applicant’s situation, PHS may also request:

• Evidence of insurability
• Supplemental health information
• Anti‑money laundering documentation

✔️ Important Note

Changes requested through this form do not go into effect until PHS reviews and issues written approval.

Once approved, the Preferred Term application is added to the policy and becomes part of the insurance contract.

---

4️⃣ Premium Requirements

If approved:

• All required premiums and surcharges must be paid in full before the change becomes effective.

---

5️⃣ Final Confirmation

After the full review—including underwriting, risk assessment, and documentation—PHS will send a confirmation email indicating the approval and effective date of the Preferred Term coverage.

---

⭐ Hardship Loan

Conversational Rewrite

A Hardship Loan is a special type of loan available to policyholders who meet certain eligibility requirements. Unlike a standard policy loan, the hardship loan process involves additional steps for verification, calculation, and secure identity confirmation.

Think of this section as your step‑by‑step guide for helping clients request and manage a Hardship Loan.

---

1️⃣ How to Request a Hardship Loan

Here’s the full process, broken down into four simple steps:

Step 1 — Request Hardship Loan Calculations

Before anything can happen, the Independent Consultant (IC) must request hardship loan calculations from PHS.
These calculations determine whether the client even qualifies.

• Minimum loan amount: $5,000.00

Step 2 — Lightico Verification Link

If the policyholder qualifies, PHS will ask for their email address or mobile number.
Using that, PHS sends a Lightico verification link, which includes the required hardship loan form.

✔️ This verification process applies to all loan types.

Step 3 — Submit to Accounting

After the client completes the verification and all form requirements, PHS sends the file to Accounting.
Accounting then processes the wire transfer or check, depending on what the client selected.

Step 4 — Confirmation

Once the payment has been processed, PHS sends a confirmation email to the client and/or the Independent Consultant.

 

---

2️⃣ Hardship Loan Payments — Quick Reference

This section covers what happens when the policyholder wants to make a payment toward an existing Hardship Loan.

Step 1 — Submit Payment Through the Portal

The client must select “Other” as the payment type in the payment portal.
Once the payment is made, they must send the payment receipt to PHS.

Step 2 — Verification and Accounting Request

After PHS verifies the payment and sees it reflected on the account, PHS submits an internal request to Accounting.
Accounting applies the payment to the hardship loan balance and adjusts interest based on the original payment date.

Step 3 — Processing Timeline

The full cycle usually takes 10–12 business days.
Even if processing takes time, the payment is always credited correctly based on the actual date the customer made it.

---

3️⃣ Additional Notes for All Withdrawals

Hardship Loans follow the same general withdrawal rules that apply to any policy payout where the amount exceeds $10,000.

✔️ Lightico identity verification is required for withdrawals over $10,000

✔️ Only the policy owner may receive payment

• Wires must go to an account in the policy owner’s name
• Checks are payable only to the policy owner