A Full Paper application is required if:

1. The face amount is greater than $5,000,000.
2. More than one policy owner is involved.
3. If term riders other than Child Term Rider, Accidental Death Benefit, Waiver of Premium, and Income Provider Option are desired.
4. Application is for a policy change.
5. The application is for premium financing.
6. The Proposed Insured is less than 18 years of age.