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mso-fareast-font-family:"Times New Roman"'>&nbsp;<strong><span style='font-family:"Arial","sans-serif";color:red'>&nbsp;</span></strong></span><span style='font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:black'>&nbsp;</span><strong><span style='font-size:18.0pt;font-family: "Arial","sans-serif";mso-fareast-font-family:"Times New Roman";color:black'>&nbsp;</span></strong><span style='font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:black'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:18.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:red'>&nbsp;</span></strong><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:24.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:red'>Updated Carrier Underwriting Guidelines</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:18.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:red'>12/09/11</span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:18.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'><a href="http://www.rbgsocal.com/forms/uw_guides.pdf">Click Here to go to the Small Group Carrier Guidelines</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal><strong><span style='font-size:18.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman"'>&nbsp;</span></strong><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Here are the updates that have been made to the Small Group Carrier Guidelines:</span></strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> <o:p></o:p></span></p> <p><em><b><u><span style='font-size:13.5pt;font-family:"Arial","sans-serif"; color:black'>United Healthcare:</span></u></b></em><span style='font-size: 13.5pt;font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p> <ul type=disc> <li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo1;tab-stops:list .5in'><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Employer Eligibility section has been updated to reflect UHC s new guideline for writing a group with more than 49% of the employees outside of California. These groups will now be considered on a <u>non</u>-guarantee issue basis with full health statements and are not eligible for the RAF promotion.&nbsp;</span></strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></li> </ul> <ul type=disc> <li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l0 level1 lfo2;tab-stops:list .5in'><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Out of State Guidelines section has also been updated as well to include UHC s new guideline for writing a group with more than 49% of the employees outside of California on a <u>non-</u>guarantee issue basis.</span></strong><span style='font-size:13.5pt;font-family: "Arial","sans-serif";mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></li> </ul> <div> <p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>&nbsp;<o:p></o:p></span></p> </div> <div> <p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>&nbsp;<o:p></o:p></span></p> </div> </td> </tr> <tr style='mso-yfti-irow:1;height:80.25pt'> <td valign=top style='padding:0in 0in 0in 0in;height:80.25pt'> <div class=MsoNormal align=center style='text-align:center'><span style='font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p align=center style='text-align:center'><span style='font-family:"Arial","sans-serif"'>&nbsp;<img border=0 width=514 height=29 id="_x0000_i1027" src="https://app.icontact.com/icp/loadimage.php/mogile/150263/0851081d0583caf0f6637202ebc48b94/image/gif" title="" complete=complete complete=complete></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:137.25pt'> <td style='padding:0in 0in 0in 0in;height:137.25pt'> <p align=center style='text-align:center'><span style='font-family:"Arial","sans-serif"; color:navy'><img border=0 width=600 height=65 id="_x0000_i1029" src="http://www.rbgsocal.com/images/phonefax.jpg" title="" complete=complete complete=complete><br> </span><span style='color:navy'><a href="mailto:quotes@rbgsocal.com"><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><shape style="width: 105.75pt; height: 29.25pt;" id="_x0000_i1030" alt="" type="#_x0000_t75"><imagedata src="file:///C:%5CDOCUME%7E1%5CJames%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image004.gif" o:href="cid:image004.gif@01C917EB.60D03120">e-mail us!</span></strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"; text-decoration:none;text-underline:none'> </imagedata></shape></span></a></span><span style='font-family:"Arial","sans-serif";color:navy'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><a href="http://www.rbgsocal.com"><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><shape style="width: 110.25pt; height: 29.25pt;" id="_x0000_i1031" alt="" type="#_x0000_t75"><imagedata src="file:///C:%5CDOCUME%7E1%5CJames%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image005.gif" o:href="cid:image005.gif@01C917EB.60D03120">visit us online!</span></strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"; color:windowtext;text-decoration:none;text-underline:none'> </imagedata></shape></span></a></p> <div class=MsoNormal align=center style='text-align:center'><span style='font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"; mso-bidi-font-family:Arial'>Some documents in this eBroadcast may be presented in standard PDF format. To view these documents you will need Adobe Acrobat Reader installed on your computer. Acrobat Reader is free of charge. If you do not have Adobe Acrobat Reader installed on your computer, click the icon below to download it.</span></p> </td> </tr> </table> </div> </div> </body> </html>