Underwriting guidelines have been developed over the years that Dearborn National has been in business and are designed to help adequately classify health, disability and life insurance risks. Care is taken to understand and comply with legislation and insurance department regulations and to treat all applicants fairly. The underwriting guidelines utilized are specific and proprietary to Dearborn National and are consistent with industry practices. They are reviewed on an ongoing basis to keep current with improved medical technology, social changes and industry trends. The underwriting guidelines are administered consistently and fairly in each case.