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Term Life Insurance Underwriting

      NOTE: The Guidelines Examples Below Will Vary By Company!

"General" Underwriting Guidelines   Super Preferred Nonsmoker
  Preferred Nonsmoker   Select Nonsmoker   Standard Nonsmoker   Preferred Smoker   Standard Smoker
Alcohol/Drug History   No history of drug or alcohol abuse in past 10 years
  No history of drug or alcohol abuse in past 10 years.   No ratable history of drug or alcohol abuse.            
Aviation   Aviation available - may have Aviation Exclusion Rider (AER)
  Aviation available - may have Aviation Exclusion Rider (AER)   Aviation available - may have Aviation Exclusion Rider (AER)            
Avocation   No ratable hazardous avocation or occupation.   No ratable hazardous avocation or occupation.   No ratable hazardous avocation or occupation.
           
Blood Pressure   Ages 16-60
No current or prior blood pressure reading in excess of: Male:  135/90; Female:  135/85.  No history of treatment for hypertension.

Ages 61+
Average of past 2 years’ blood pressure readings not in excess of 140/95 plus no pulse pressure greater than 70.

BP Treatment:  Super Preferred, Preferred & Select (Ages 61+) For treated and controlled hypertension, pre-treatment BP's may be eliminated from averaging.
  Ages 16-60
No current or prior blood pressure reading in excess of: Male:  140/90; Female:  135-90.  Treated well controlled hypertension with pretreatment levels exceeding the above limit may be considered

Ages 61+

Average of past 2 years’ blood pressure readings not in excess of 145/100 plus no pulse pressure greater than 75.

BP Treatment:  Super Preferred, Preferred & Select (Ages 61+) For treated and controlled hypertension, pre-treatment BP's may be eliminated from averaging.
  Ages 16-60
No current or prior blood pressure reading in excess of: Male:  145/95; Female:  140/95.  Treated well controlled hypertension with pretreatment levels exceeding the above limit may be considered

Ages 61+
Average of past 2 years’ blood pressure readings not in excess of 145/100

BP Treatment:  Super Preferred, Preferred & Select (Ages 61+) For treated and controlled hypertension, pre-treatment BP's may be eliminated from averaging.
           
Cholesterol   Ages 16-60
Treated or untreated; Cholesterol Max 300; Maximum HDL Male 75/Female 90; Maximum HDL Ratio Male 5.0/Female 4.5

Ages 61+
Treated or untreated; Cholesterol Max 300; Maximum HDL Ratio Male 6.0/Female 5.5; Minimum Serum Albumin Male 4.0/Female 3.9
  Ages 16-60
Treated or untreated; Cholesterol Max 300; Maximum HDL Male 75/Female 90; Maximum HDL Ratio Male 5.5/Female 5.2

Ages 61+
Treated or untreated; Cholesterol Max 300; Maximum HDL Ratio Male 6.5/Female 6.2; Minimum Serum Albumin Male 3.8/Female 3.7
  Ages 16-60
Treated or untreated; Cholesterol Max 300; Maximum HDL Male 75/Female 90; Maximum HDL Ratio Male 6.0/Female 6.0

Ages 61+
Treated or untreated; Cholesterol Max 300; Maximum HDL Ratio Male 7.0/Female 7.0
           
Family History   Ages 16-60
No cardiovascular deaths in parents prior to age 65.
  Ages 16-60
No cardiovascular deaths in parents prior to age 60.
  Ages 16-60
No more than one cardiovascular death in parents prior to age 60
           
Foreign Travel                        
Medical History   Ages 16-60
No DWI/DUI or reckless driving in the past 5 years and no more than 2 moving violations within the past 3 years.

Ages 61+
Age 61-70 -See criteria for age 16-60. Age 71+ - No history of accidents, reckless driving, or revocation of license in past 10 years.
  Ages 16-60
Standard medical risk; no history in past 30 years of cancer (other than basal cell skin cancer).

Ages 61+
Standard risk with no history of cancer in past 30 years (other than basal cell skin cancer, or certain squamous cell cancers).
  Ages 16-60
Standard medical risk; no history in past 30 years of cancer (other than basal cell skin cancer).

Ages 61+
Standard risk with no history of cancer in past 30 years (other than basal cell skin cancer, or certain squamous cell cancers).
           
Military                        
Motor Vehicle Report   Ages 16-60
No DWI/DUI or reckless driving in the past 5 years and no more than 2 moving violations within the past 3 years.

Ages 61+
Age 61-70 -See criteria for age 16-60. Age 71+ - No history of accidents, reckless driving, or revocation of license in past 10 years.
  Ages 16-60
No DWI/DUI or reckless driving in the past 5 years and no more than 2 moving violations within the past 3 years.

Ages 61+
Age 61-70 -See criteria for age 16-60. Age 71+ - No history of accidents, reckless driving, or revocation of license in past 10 years.
  Ages 16-60
No DWI/DUI or reckless driving in the past 5 years and no more than 2 moving violations within the past 3 years.

Ages 61+
Age 61-70 -See criteria for age 16-60. Age 71+ - No history of accidents, reckless driving, or revocation of license in past 10 years.
           
Residence/Citizenship                        
Tobacco Definition   A person who has not used tobacco or nicotine products in any form within the past five years, who is in excellent health and meets the criteria.   No use of tobacco or nicotine products in any form within the past 3 years   No use of tobacco or nicotine products in any form within the past 2 years   A nonsmoker who does not qualify for Preferred No Tobacco and does not have a ratable impairment and has used no tobacco or nicotine products in any form within the past one year.
  A user of tobacco (less than two packs of cigarettes per day) or nicotine within the past three years that meets all the other criteria as a Preferred No Tobacco.   A tobacco user or nicotine user who does not qualify for Preferred Tobacco rates and does not have a ratable impairment.

"General" Built Chart



"General" Para-Med Requirements

Male and Female
Amount / Ages
16 - 40 41 - 50 51 - 60 61 - 70 71 - 80 81 - 85
0 - 49,999 E E E F G G
50,000 - 99,999 M M M A N N
100,000 - 500,000 A A A B H H
500,001 - 1,000,000 A A A B H H
1,000,001 - 3,000,000 A B B B H H
3,000,001 - 5,000,000 C D D D I I
5,000,001 - 10,000,000 D D D D I I
10,000,001 - 50,000,000 J J K K L L

 

Requirements

Definition Key

A Blood Profile, Urinalysis, Basic Paramed, MVR
B Blood Profile, Urinalysis, Basic Paramed, EKG, MVR
C Blood Profile, Urinalysis, Basic Paramed, PersFinQ, MVR
D Blood Profile, Urinalysis, Basic Paramed, EKG, PersFinQ, MVR
E Physical Measurements by Paramed, Urine HIV, Medical Questions on App Compl by Agent
F Blood Profile, Urinalysis, Basic Paramed
G Blood Profile, Urinalysis, Basic Paramed, Age 71+Q
H Blood Profile, Urinalysis, Basic Paramed, EKG, MVR, Age 71+Q
I Blood Profile, Urinalysis, Basic Paramed, EKG, PersFinQ, MVR, Age 71+Q
J Blood Profile, Urinalysis, EKG, PersFinQ, MVR, MD Exam, IR
K Blood Profile, Urinalysis, PersFinQ, MVR, MD Exam, IR, TM
L Blood Profile, Urinalysis, EKG, PersFinQ, MVR, MD Exam, Age 71+Q, IR
M Blood Profile, Urinalysis, MVR, Physical Measurements by Paramed, Medical Questions on App Compl by Agent
N Blood Profile, Urinalysis, Basic Paramed, MVR, Age 71+Q

 
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