The below Underwriting Guides are presented for general guidance purposes only – the information is a summary of underwriting guidelines which have been encountered by Life Insurance Carriers over time. No guarantee either expressed or implied is given regarding the accuracy of the information contained within. Equitas Brokerage Group – Equitas Advisors LLC is not liable for any obligation from the use of these underwriting guides. Life insurance Carriers amend Underwriting Guidelines from time to time and the information contained herein may not be reflected.