MetLife Aug-07 User's Manual
Contents
1. 210 or less AND Ratio 4 5 or less all ages Available with current medication if acceptable level maintained for at least 12 months all ages 220 or less and Ratio 5 0 or less 240 or less and Ratio 5 0 or less OR 260 or less and Ratio 4 5 or less Current medication acceptable if level maintained for at least 12 months all ages Personal Health History Subject to documentation of good health No history or treatment for Diabetes Cancer except some non melanoma skin cancers or Cardiovascular Disease No FEPs No history or treatment for Diabetes Cardiovascular Disease or Cancer except some non melanoma skin cancers No FEPs Aviation Avocation Occupation Foreign Travel Residence FEPs No Aviation except for non ratable Commercial Pilots No ratable Avocations Occupations or Foreign Travel Exclusion Riders acceptable where available No Foreign residence except Canada No FEPs for any reason No Aviation except for non ratable Commercial Pilots No ratable Avocations Occupations or Foreign Travel Exclusion Riders acceptable where available No Foreign residence except Canada No FEPs for any reason Driving History No DWI convictions within past 5 years Maximum of 2 moving violations within past 5 years No DWI convictions within past 5 years Maximum of 2 moving violations within past 3 years Not Applicable to Proposed Insureds age 66 or older Substance Abuse No his2. green card white card 1 155 or 1 551 identification For Visa type EB 5 Immigrant Investors creating employment The client must own a business that has been viable for at least two years e Individuals who have had their permanent visa petition approved and the only outstanding item is the actual visa number To verify the application status we will need the 13 digit visa application number The number may include letters or symbols but should not have dashes or spaces e Individuals who have been granted Asylum Temporary Residents who intend to remain in the U S and have Visas that are more easily changed to a long term or permanent status F 1 2 Academic Students and family members M 1 2 Vocational student and family N 8 9 Parent or child of Special Immigrant V 1 2 Spouse or child of Permanent Resident Others may be considered on an individual case basis Proposed insureds residing in the U S 1 year or more with the intent and ability to lawfully remain in the U S for at least 5 years may be considered for all plans and riders subject to our normal underwriting guidelines Restrictions and or additional underwrit ing requirements may be required to consider pro posed insureds who have been residing in the U S for a shorter duration In most situations if the Visa ID type number and expiration date are provided and are consistent with other information in the application additi
3. list all the foreign cities and countries your clients have visited in the past 24 months and the cities and countries they plan to visit in the next 24 months Because of our auto bind Foreign Travel agreements with our reinsurers it is important that you provide detailed information of your clients past foreign travel and future plans for foreign travel unless the version of the state specific application does not ask for past or future travel The duration of travel should be noted in weeks Travel for longer periods of time may preclude Preferred classes and or require a flat extra premium charge for the travel risk or may be subject to the availability of facultative reinsurance In assessing a travel risk we are primarily concerned with anticipated future travel Information provided on an application for past travel is viewed for signifi cant ties to the country visited or history of frequent travel to determine the likelihood of future travel to the same countries The complete list of A B C countries and the rules governing travel to them can be found in THE Life Underwriting GUIDE available on the MetLife web site for your distribution channel Travel Exclusion Rider The proposed insured may request this rider in lieu of an adverse underwriting decision The travel exclusion rider will not pay a death benefit if the insured dies in one of the countries listed on the application and the rider page If the
4. 286 299 312 6 27 244 294 307 320 6 3 250 302 315 328 6 4 255 310 323 336 6 5 260 318 331 344 6 6 265 325 339 352 6 7 333 347 360 6 8 i 341 355 368 6 9 ii 349 363 376 6 10 4 357 371 384 614 ii 369 384 389 Individual consideration will be given for heights above or below those listed in chart for weights indicated by an asterisk and for Table B or Cat or below age 15 12 Financial Underwriting Requirements The Personal Financial Statement should be completed for risk amounts of 1 000 000 and over The Business Supplement should be completed for all business insurance applications PERSONAL INSURANCE AMOUNT LIMITS Income Replacement Sales Current income multiplication factors for determining the maximum amounts of insurance in force and applied for in all companies Age Times Income Up to 30 30 31 40 25 41 50 20 51 55 15 56 65 10 66 70 7 Over 70 5 Estate Conservation Sales The future value of the proposed insured s estate should generally be projected at a rate of 7 for the maximum number of years as shown below Age Years Up to 40 15 41 60 12 61 75 7 76 Individual Consideration These guidelines are intended to provide a general formula to calculate suggested maximum amounts of life insurance that should meet the financial needs of your clients Additional information explanation will be needed when projections exceed those
5. listed above Dependency Guidelines In all cases amounts must meet tests of suitability and affordability DEPENDENT SPOUSE Amount of Insurance Coverage Needed on In force and Applied for Non dependent Spouse 0 125 000 No Requirement 125 001 and over Equal Amount DEPENDENT PARENT Amount of Insurance Coverage Needed on Financially In force and Applied for Responsible Adult Son Daughter 0 125 000 Equal Amount 125 001 and over Twice the Amount DEPENDENT CHILDREN ALL STATES OTHER THAN NEW YORK Amount of Insurance Coverage Needed on In force and Applied for Parent Family Head 0 1 000 000 Equal Amount 1 000 001 and over Individual Consideration NEW YORK Amount of Insurance Age of Child In force and Applied for Coverage Needed on Parent Family Head 0 412 Over 25 000 4 Times the amount 4h2 141 2 Over 25 000 2 Times the amount All ages 25 000 or less Equal amount All ages 1 000 001 and over Individual Consideration Accidental death amp dismemberment insurance includes credit card insurance should not be counted in determining whether the family head has sufficient coverage under the NY law to qualify the minor for the amount of insurance requested EXCEPTIONS ALL STATES High School Seniors Eligible for 50 000 College Students Eligible for 100 000 College Seniors and Graduate Students Eligible for 250 000 NOTE Family head wo
6. women in all branches of the U S Armed Forces including proposed insureds in the active military and or military reserve services the National Guard and those who have received orders to trouble spots or areas of combat Proposed insured whose military duties include extra risks or involvement with some special force units may be insurable only at higher premium rates or may be uninsurable The application and all underwriting requirements must be completed in the United States in accordance with normal age and amount guidelines Our life insurance policies do not include any war restrictions or exclusion clauses 23 Managing Your Cases To avoid pending your case and improve NOGO not of good order 24 1 2 Use correct application and version Complete Part 2 Medical Ouestions include in detailed information Complete name and address of all physicians and specialists consulted e Specific Diagnosis and date of onset e Frequency of episodes Date of most recent episode attack e Treatment including dates and medication prescribed Include ALL necessary application supplement forms e g Compensation EOLI Pay special attention to correctly completing the Variable Life Supplement Forms Submit appropriate state replacement form s with each application Additional Replacement NOGO s include e Replacements not admitted e Missing Replacement or In force Illustrations e Insufficient justification for Repl
7. 001 and over Ages 66 and older 250 000 and over MEDICAL UNDERWRITING REQUIREMENTS 41 50 Non Medical Simple Paramed Blood with Urine Specimen 51 60 Simple Paramed Urine Specimen Paramed Blood with Urine Specimen 61 and over Simple Paramed Urine Specimen Paramed EKG Blood with Urine Specimen Paramed Blood with Urine Specimen Paramed EKG Blood with Urine Specimen Paramed EKG Blood with Urine Specimen Paramed EKG Blood with Urine Specimen Paramed EKG Blood with Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam EKG Ages 61 75 TMT Ages 76 amp over Blood with Urine Specimen Ages gt 15 17 18 40 Up to 99 999 Non Medical Non Medical 100 000 Non Medical Non Medical to Blood with 249 999 Urine Specimen 250 000 Non Medical Simple Paramed to Blood with 999 999 Urine Specimen 1 000 000 Paramed Paramed to Blood with Blood with 2 500 000 Urine Specimen Urine Specimen 2 500 001 Paramed Paramed to Blood with Blood with 5 000 000 Urine Specimen Urine Specimen 5 000 001 Paramed EKG Paramed EKG to Blood with Blood with 10 000 000 Urine Specimen Urine Specimen Over MD Exam EKG MD Exam EK
8. D Plus Smoker PFD Plus Blood Pressure M F M F M F M E ee i id yi kal ag 133 128 138 133 155 145 145 ges 40 rat Ages 50 amp over 170 90 4 9 136 131 141 136 158 148 148 Cuirentmnediontion 4 10 139 134 144 139 161 151 151 acceptable for all ages 4 11 143 138 148 143 165 155 155 Blood and 5 0 146 141 151 146 168 158 158 Urine Profile Some elevated results qualify 5 4 149 144 154 149 172 162 162 Cholesterol 5 2 153 148 158 153 176 166 166 Ages 0 65 350 or less and Ratio 8 0 or less 5 3 157 152 162 157 180 170 170 Ages 66 amp over 350 or less and Ratio 9 6 or less 5 4 161 156 166 161 185 175 175 Current medication acceptable all ages 5 5 166 161 171 166 190 180 180 Personal Not Ratable or 5 6 170 165 175 170 195 185 185 Health History Ratable with FEP 5 7 174 169 179 174 199 189 189 Aviation Flat Extra Premiums 5 8 179 174 184 179 204 194 194 Avocation FEP acceptable Exclusion Riders 5 9 183 178 188 183 209 199 199 Occupation acceptable where available 5 10 188 183 193 188 214 204 204 Foreign Travel amp aad Residence 5 11 193 188 198 193 219 209 209 FEPs 6 0 199 194 204 199 226 216 216 Driving History Not Ratable or Ratable with FEP aa 203 4198 206 203231 221 221 6 2 209 204 214 209 237 227 227 Substance Abus
9. G 10 000 000 Blood with Blood with Urine Specimen Urine Specimen MD Exam EKG Blood with Urine Specimen MD Exam TMT Blood with Urine Specimen MD Exam TMT Blood with Urine Specimen Notes to Table Ages 0 through 14 are non medical 2 Ages 15 through 17 are non medical up to 1 000 000 inclusive Types of Exams All examinations include a urine specimen Simple Paramedical SPM A limited exam to collect physical measurements and blood urine specimens Full Paramedical PM A full exam collecting full health histories 3 All urine specimens obtained without a full blood specimen will be tested for HIV where permitted by law HIV testing is routinely required at ages 18 and older when the total amount in force and applied for within 12 months is 50 001 in the following jurisdictions DC DE FL GA MD NJ NY PR SC and USVI 4 An EKG should be ordered in lieu of a treadmill test TMT on proposed insureds known to have coronary risk factors history of myocardial infarction angina pectoris or coronary insufficiency 5 Blood testing minimum for MICC MLAC products continue to be rou tinely required at 50 000 gt Survivorship Policies Blood and urine specimens are required for both insureds The remaining requirements will be ordered on each proposed insured based on the total policy amount blood urine specimens physical measurements and EKG if needed MD Exam MD A
10. MetLife Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 www metlife com 0706 5057 0807 2007 METLIFE INC PEANUTS United Feature Syndicate Inc August 2007 life underwriting at MetLife Competitive Responsible FOR FINANCIAL PROFESSIONAL USE ONLY NOT FOR PUBLIC DISTRIBUTION For Internal Use Only All underwriting guidelines are NOTES subject to change Individual case circumstances may cause changes or additional requirements to be ordered Refer to THE GUIDE your Life Underwriting on line guide for a more in depth explanation of our underwriting guidelines TABLE OF CONTENTS MetLife Underwriting Manual ssasasesarrsesasawerawanenanat 1 Telephone Surveys Consumer Reports 1 1 Tobacco Use Gudel es sas naun anang aan aga ian 2 Routine APS R gulTementsi ss asaba sanane na 3 Motor Vehicle Records MVR cc ccsccesseeseesseesees 3 Medical Underwriting Requirements 0 0000 4 Criteria Guidelines Elite Pissu anA R 6 Preferred Plus Select Preferred Elite 7 Standard Plus Preferred Nonsmoker 8 Preferred Sm oket ka aaa ask an aaa aa Aa ab agan aa aaa 8 Standard Smoker and Nonsmoker 10 Height and Weight Limit Tables cco 11 Financial Underwriting Requirements 13 Dependency Guideline
11. acement e Policy Numbers missing Incomplete and delayed application form transmission or imaging Current valid agent producer licensing and appointment Include Cover Letters when appropriate for special requests saving age batching cases and contact information
12. e Gi Ratable of Ratable with FEP 6 3 214 209 219 214 243 233 233 Alcohol Drugs a 6 4 221 216 226 221 250 240 240 Family History Generally not applicable 6 5 227 222 232 227 256 246 246 Tobacco See Tobacco Use Guidelines 6 6 233 228 238 233 263 253 253 in this pamphlet 6 7 240 235 245 240 270 260 260 rae 6 8 246 241 251 246 276 266 266 Other medical or non medical risks not listed above may preclude consideration of the Standard class Values listed in chart represent the 6 9 252 247 257 252 283 273 273 ee era 6 10 259 254 264 259 290 280 280 6 11 266 261 271 266 298 288 288 Individual consideration will be given for heights above or below those listed in chart 10 11 UNISEK HEIGHT AND WEIGHT LIMIT TABLE Standard Table B and Table C The weights shown represent the maximum allowable weight males and females UNISEX STANDARD TABLE B TABLE C Age Age 16 Age 16 Age 16 15 amp Over amp Over amp Over 4 8 144 188 199 210 49 150 192 203 214 410 155 196 207 218 411 161 200 211 221 5 0 166 204 215 226 5 1 172 209 220 230 5 2 177 213 224 234 5 3 183 218 229 240 5 4 188 224 235 246 5 5 194 230 243 252 5 6 199 236 247 258 5 7 205 242 253 265 5 8 210 249 261 273 5 9 216 256 269 281 5 10 221 263 276 288 5 11 227 270 283 296 6 0 232 278 291 304 6 1 238
13. full exam performed by a medical doctor MD or DO who will collect full health histories blood urine specimens physical measurements and perform EKG or TMT if needed Board Certified Internist or Cardiologist required for TMT General Exam Procedures Prepare your clients for the exam by advising them of the following A valid picture ID as proof of identity will need to be shown to the examiner For optimum specimen results clients should fast for 8 12 hours before their appointment for a full blood specimen Remind clients to also have available Names and addresses of any physicians who have attended them includ ing their primary care physicians Names of any prescriptions over the counter drugs and herbal remedies they are taking CRITERIA GUIDELINES Face amount of 250 000 and over ELITE PLUS Ages 18 75 where available PREFERRED PLUS Ages 18 75 where available SELECT PREFERRED ELITE Ages 18 80 where available Criteria Build Elite Plus Use Build Table in this pamphlet Preferred Plus Select Preferred Elite Use Build Table in this pamphlet Blood Pressure Age 54 amp under Age 55 amp over 130 80 or less 135 85 or less No medication within the last 12 months 140 85 or less 140 90 or less No medication within the last 12 months Blood and Urine Profile Within normal limits Some elevated results qualify Cholesterol Age 54 amp under Age 55 amp over 200 or less
14. individual frequently travels to the country to be excluded it may not be in his or her best interest to limit the death benefit with an exclusion rider The Travel Exclusion Rider is available in 24 jurisdictions listed in THE GUIDE for all Enterprise products excluding MICC MLAC products 18 FOREIGN RESIDENTS RESIDING OUTSIDE THE UNITED STATES FOR MORE THAN 6 MONTHS Eligibility for consideration applies to all persons to be insured and all owners Considered Residents of countries on the A List reinsurance autobind to 10 million MetLife retention 5 million other countries except those listed below and amounts subject to facultative reinsurance Must have strong ties to the U S e own a business in U S own property in U S e be employed in U S Dependents Individual Consideration All family members must apply at the same time as primary wage earner and his her application must be approved and issued Must have a U S bank account not opened solely to pay premiums Countries listed in THE GUIDE Restrictions apply for residents of Mexico see THE GUIDE NOTE Due to our non compete agreement restrictions may apply for Canadian residents Not Considered The following do not constitute strong ties to the U S e working in a foreign country for a U S owned company owning U S investment accounts Cannot reside in or be a citizen of a country subject to OFAC
15. lied for and in force coverage Additional limitations are applicable MetEdge MetEdge is a facultative reinsurance program designed to get you the best possible offer for your clients aged 18 70 and rated Table B or C for one or two minor impairments some non medical risks may also qualify for a maximum of 2 million 22 aggregate in force and applied for MetEdge is available for all individual life products except Survivorship Eligible cases are automatically sent to our participating reinsurer you don t need to request this service And if our offer can t be improved by our reinsurer our offer remains available Details of the MetEdge Program can be found in THE GUIDE POLICY STATE AND APPLICATION FORMS The application and Policy State are generally based on the state of residence of the policy owner HIV Informed Consent forms if needed are based on the proposed insured s residence state You must be licensed and appointed in the Policy State the state in which the application is signed and the risk resident state if different Risk Resident states are listed in THE GUIDE For New Business The application is based on and all Conversions owner s current residence state The application is based on the For Changes to existing original issue state of policy in force policy regardless of current residence of owner Military Personnel It is our long standing policy to support our men and
16. ollect certain underwriting information for all ages at amounts of 1 000 001 through 5 000 000 inclusive Where the insured is the owner the PHI only one contact with your customer will include required compliance questions Where the owner is not the insured a post issue written QA survey will be mailed to the owner Investigative Consumer Report All ages over 5 000 000 Tobacco Use Guidelines For Elite Plus Preferred Plus Select Preferred Elite Standard Plus Preferred Nonsmoker and Preferred Smoker proposed insureds must meet all other criteria Cigars pipes and smokeless tobacco with negative urine specimen qualify for nonsmoker rates however Standard Plus and Preferred Nonsmoker are the best available classes Regardless of admission of cigarette smoking or tobacco use appropriate smoker class assigned when urine is positive for nicotine Elite Plus Preferred Plus Select Preferred or Elite Non tobacco No tobacco in any form or nico tine substitute use e g nicotine patch gum nasal spray within 5 years 60 months of application and urinalysis negative for nicotine Celebratory cigars e g 4 per year with negative nicotine test qualifies for Select Preferred Preferred Plus and Elite not Elite Plus Standard Plus or Preferred Nonsmoker Non Tobacco No cigarette smoking or use of nicotine substitutes within 24 months of application and urinalysis negative for nicotine alternate forms of
17. onal doc umentation may not be necessary When additional documentation is necessary depending on the immigration status indicated any 16 or all of the following might be requested as evidence of the visa and status A copy of the passport with the visa stamp and the Arrival and Departure Record I 94 The permanent resident ID card Correspondence from the USCIS approving the petition for a permanent visa A valid Employee Authorization Document EAD card EAD cards are not proof of the individual s ability to remain in the U S but are recommended by the USCIS for use as a government issued photo ID Illegal aliens will not be considered for any amount of insurance regardless of the length of residency Foreign Travel by U S Permanent Residents Citizens and Non U S Citizens with Permanent Visa ID Residing in the U S Under the guidelines your clients will be able to spend anywhere from 2 to 12 weeks within a 12 month period in 155 countries without an extra charge for the travel risk Foreign countries are placed into six categories from low risk A to high risk D Foreign Travel Highlights Capacity and autobind limits up to 50 million for A list countries reduced limits apply for B and C countries Available for all products including term lt For 2007 more countries added to the A B and C lists of countries When writing the life application
18. ons 5 Minimal requirements include a paramedical exam blood and urine Personal History Interview or Investigative Consumer Report 21 Underwriting Programs Contact your NB Underwriting Unit for additional information Cross Franchise Term Conversions MetLife New England Life Insurance First MetLife Investors MetLife Investors USA GenAm and MetLife Insurance of Connecticut term policies may convert to any approved enterprise permanent plan without evidence of insurability Simplified Underwriting Available for distinct business markets where guaranteed participation levels multi life enable us to accommodate in a favorable fashion pre approval required Solutions for Life External Term Conversions Clients with a term policy from an approved company may convert to a permanent plan of insurance on a guaranteed issue basis without evidence of insurability Not available in New York product restrictions apply trefer to your producer guide Table Shaving Permanent plans medical risks only and a maximum of Table C or MetLife rating class equivalent or permanent Flat Extra Premium FEP of 5 00 per 1 000 or temporary FEP averaging 5 00 per 1 000 for 5 years may be shaved to Standard Individual policies maximum amounts 5 million ages 0 70 Survivorship policies maximum amount 5 million up to age 70 If one life is uninsurable neither can be shaved Maximums are aggregate amounts of all app
19. s and no tobacco substitutes in the past 24 months and negative nicotine test Cigarettes tobacco substitute use currently or within past 24 months or urine positive for nicotine Table Acronyms DWI Driving While Intoxicated FEP Flat Extra Premium Table Notes Other medical or non medical risks not listed above may preclude consideration of the Preferred classes Values listed in this chart represent the maximum allowable ELITE PLUS PREFERRED PLUS and STANDARD PLUS are the preferred non tobacco classes for the MetLife Investors MLI USA and First MLI term brand All other classifications are the same products only The chart below cross references the equivalent classification by MetLife Investors GenAm MLFS and NEF Elite Plus No Equivalent No Equivalent Preferred Plus Elite Select Preferred Standard Plus Preferred Nonsmoker Preferred Nonsmoker CRITERIA GUIDELINES continuep HEIGHT AND WEIGHT LIMIT TABLE STANDARD Nonsmoker and Smoker and Juvenile Standard The weights shown represent the maximum allowable weight for Preferred classes M Males F Females age 18 and over PFD Preferred STD Standard NS Nonsmoker Criteria Standard Build Use Build Table in Elite Plus Elite PFD NS PFD this pamphlet Select PFD ST
20. s sasa asa dssen anenun akin 14 Retention Reinsurance Limits and Capacity SUTCNALSE dasanan aana ga yaga ia da ena da wa Nda ninin 15 FOre1 ST RISKS ie5s5idsssssseansiaeasgeasacarapasaussaeasaoasaeasarasguaiaes 15 Immigrants and Non Immigrants Residing in US isis sarasa aga aga aaa NGANGEN NGANG 16 Foreign Travel by U S Permanent Residents 17 Foreigin Resid ents sscsssssdoxssessdexsessadortzostlorssnssioiiiieiss 19 Underwriting Programs suseni 22 Policy State and Application Forms ssssssssessess1s 23 Military Peronnelisenssncsnsssssisss snsins 23 Managing Your Cases cscsssssecsassescscsevesssntesoasiadesrdeviseses 24 MetLife Underwriting Manual MetLife uses the Swiss Re Life Underwriting Manual as its primary risk selection tool allowing us to make underwriting decisions that are more in step with e Advances in clinical medicine lt The complexities of non medical risk factors Advanced market concepts lt The best practices of the life insurance industry Telephone Surveys Consumer Reports As part of the application process prepare clients to expect a personal history interview phone call Quality Assurance QA Customer Contact Program A compliance program via tele interview or mailed survey to verify certain information on the application and ensure the client fully understands the product purchased Personal History Interview PHI A routine tele interview will be scheduled to c
21. sanctions Exception allowed for a citizen of an OFAC country if they are a legal resident in the US on a valid permanent visa Permanent residents regardless of citizenship of one of the following countries that have insurance laws that prohibit the sale of policies to their residents cannot be considered These countries include Argentina Brazil Croatia Dominican Republic France Greece Hungary India Italy Japan Panama Philippines Romania South Africa Spain Switzerland Ukraine Uruguay and Venezuela Money orders and cashiers checks not acceptable Hazardous occupations Countries listed in THE GUIDE FOREIGN RESIDENTS RESIDING OUTSIDE THE U S FOR MORE THAN 6 MONTHS ccontinueo PRODUCT AVAILABILITY Permanent Term Plans Plans Face Minimum 250 000 500 000 Face Maximum 5 000 000 5 000 000 Riders Benefits Only term riders on None primary insured PAIR Best Class Preferred Preferred or Standard Plus MLI term Other Info Not available with Plan must be at all plans least a 10 year term policy Retention 5 000 000 for A list countries For Aa B and C list countries a 2 flat extra premium may be added for amounts exceeding 2 million Application Requirements 1 All stages of the client acquisition process initial contact solicitation application and completion of requirements must be completed in
22. the U S 2 The Policy State will be based on the U S mailing address of the owner if available Otherwise the Policy State will be based on the state where the application was completed and signed 3 A cover letter from the representative must accompany the application and must include An explanation of how and where the insurance was solicited the purpose of the insurance the 20 circumstances under which the application was taken and an explanation of how the amount of insurance was determined Application Requirements contnuen A detailed description of the U S ties including The name address and telephone number of the business company owned in the U S Addresses of all properties owned in the U S A copy of a pay statement or letter on employer stationery verifying employment for a U S company Other U S ties Individual consideration pre approval required includes a detailed description of the nexus to the U S with the name address and telephone number of at least one business reference in the U S e g accountant banker attorney etc The name address and telephone number of at least one reference in the country of resi dence who can verify the financial statements made in the application to justify the requested insurance amount 4 Only fully underwritten applications no simplified issue no Solutions for Life External Term Conversion no TeleUnderwriting applicati
23. tobacco use cigar pipe or smokeless tobacco currently or in the past and urinalysis negative for nicotine Preferred Smoker Cigarette smoking or use of tobacco substitutes currently or within 24 months of application or a urinalysis positive for nicotine Standard or Substandard Nonsmoker Average or impaired risk no cigarette smoking or use of nicotine substitutes within 12 months of application tests negative for nicotine or no testing required Standard or Substandard Smoker Average or impaired risk cigarette smoking or use of nicotine substitutes within 12 months of application Note You are reminded that for Juvenile Standard and Juvenile substan dard ages 0 17 tobacco use guidelines are not applicable and premium rates make no distinction for cigarette smoking or tobacco use 2 Routine APS Requirements If your client has had a checkup physical exam within 12 24 months an APS should be ordered based on the following Ages Checkup within Checkup within 12 Months 13 24 Months 0 100 001 and over 1 14 250 000 and over 15 50 1 000 001 and over Not Applicable 51 60 500 001 and over 61 100 000 and over 100 000 and over Motor Vehicle Records MVR For the following ages and amounts driving records will be ordered routinely for all persons proposed for insurance Proposed Insured Amounts Ages 18 35 100 000 and over Ages 36 65 1 000
24. tory or treatment No hist treatment Alcohol Drugs ry o history or treatmen Family History No death from Cardiovascular Disease or Cancer No death from Cardiovascular Disease or Cancer some cancers may quali in parents prior to age 60 or in siblings prior to age 65 A wellness consideration may be allowed for proposed insureds ages 50 65 to offset one early family history death due to Cardiovascular Disease or Cancer some cancers may qualify in parents prior to age 60 or in siblings prior to age 65 A wellness consideration may be allowed for proposed insureds ages 40 65 to offset one early family history death due to Cardiovascular Disease or Cancer Tobacco No use of nicotine in any form for past 60 months and negative nicotine test No use of nicotine in any form for past 60 months and negative nicotine test Table Acronyms DWI Driving While Intoxicated FEP Flat Extra Premium Table Notes Other medical or non medical risks not listed above may preclude consideration of the Preferred classes Values listed in this chart represent the maximum allowable CRITERIA GUIDELINES Face amount of 100 000 amp over STANDARD PLUS Non Tobacco Age 18 75 where available PREFERRED Nonsmoker and Smoker Age 18 80 where available CRITERIA GUIDELINES CONTINUED Criteria Standard Plus Preferred NS Preferred Smoker Criteria Standard Plus Preferred NS Build Use B
25. uild Table in this pamphlet Blood Pressure Age 54 amp under Age 55 amp over 140 90 or less 150 90 or less Current medication acceptable for all ages Blood and Urine Profile Some elevated results qualify Cholesterol Age 54 amp under Age 55 amp over 250 or less and Ratio 6 0 or less 250 or less and Ratio 6 0 or less OR 270 or less and Ratio 5 5 or less Current medication acceptable if levels maintained for at least 12 months Aviation Avocation Occupation Foreign Travel amp Residence FEPs Aviation Avocation Occupation FEPs or Exclusion Rider acceptable No Foreign Travel or Residence FEPs No Medical FEPs Driving History No DWI convictions within past 5 years Maximum of 2 moving violations within past 3 years Substance Abuse Alcohol Drugs No history in past 10 years Personal Health History Subject to documentation of good health No history of Diabetes Cardiovascular Disease Cancer except some non melanoma skin cancers No FEPs Family History Not Applicable to Proposed Insureds age 66 or older No death from Cardiovascular Disease or Cancer some cancers may qualify in immediate family member parents or siblings prior to age 60 A wellness consideration may be allowed for proposed insureds ages 40 65 to offset one early family history death due to Cardiovascular Disease or Cancer Tobacco No cigarette
26. uld need qualifying coverage for amounts in excess of those stated in this chart 14 Retention Reinsurance Limits Limits are graded by age and rating class Other restrictions may apply Retention Permanent Life Single Life 20 000 000 Survivorship Life 20 000 000 Term Life 15 000 000 Automatic Binding Limit 50 000 000 For Professional Athletes 10 000 000 Jumbo Limit 65 000 000 Total amount in force and applied for with all companies Foreign Risks Underwriting guidelines for handling risks presented by recent immigrants non immigrants foreign residents and foreign travel present many underwriting opportunities and challenges When underwriting the foreign risk many factors must be considered including lt Length of time outside of the U S e Economic political and medical stability of the country of residence or visitation The laws of the country of residence Availability of reinsurance The laws of the United States The proposed insured s ties to the U S The availability of medical and non medical information e Our ability to investigate a claim The following pages provide information on how we will consider these various groups and risk factors Additional restrictions may apply and consideration may be contingent on the availability of reinsurance Immigrants and Non Immigrants Residing in the U S We Will Consider Permanent Residents as evidenced by
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