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Term Life Insurance Underwriting
|
"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. |
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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. |
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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 |
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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 |
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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). |
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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. |
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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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