Field Guide For Life Insurance Underwriting
January 2021Field Guide forLife Insurance UnderwritingAt Legal & General Americawe underwrite individuals,not impairments.For Producer or Broker/Dealer Use Only. Not for Public Distribution.
ContentsOur Underwriting Philosophy3Underwriting Sweet Spots4Non-Medical Risk Selections5Get More Upsell Program6AppAssist and Accelerated Underwriting7Age and Amount Requirements8Requirements Key9APS Ordering Guidelines10Preferred and Impaired Risks11Underwriting Criteria - Preferred Classes12Underwriting Criteria - Standard Classes13Build Chart14Credit Program15Retention and Reinsurance16Large Cases16Temporary Insurance Application/Agreement (TIAA)17Good Health Statement17Financial Underwriting Guidance18Financial Underwriting - Personal Insurance19Financial Underwriting - Business Insurance20Reinstatements21QuickQuotes21Approved Vendors22About Orders22This Underwriting Field Guide is intended to be a reference only andprovides information regarding Legal & General America’s typicalrequirements for underwriting. We reserve the right to requestinformation other than as stated herein. Our underwriters willmake decisions based on the entirety of the information providedto and received by Legal & General America, which may result in adetermination that is more or less favorable than this guide.2
Our Underwriting PhilosophyOur strategyWe’re leveraging advances in medicine and digitaltechnologies to improve, transform and accelerate ourrisk selection process.Our visionWe engage professional team members who possessprecision insight and keen focus in identifying, assessingand classifying mortality risk – connecting with you througha distinctive customer service experience that incorporatestransparency, accessibility and proactive communication.Our commitmentThis Field Guide providesinformation about several ofLegal & General America’sunderwriting practices.Use it as a guide to helpstreamline the underwritingprocess for you and your client.Our team is committed to executing well-informedunderwriting decisions and delivering personalized service.Our underwriters are well-trained and highly skilled inmedical, non-medical and financial underwriting.Thank you for your businessWe welcome your feedback! If you have comments,suggestions or questions about this Underwriting Guide,please contact us at underwritingadmin@lgamerica.com.What’s new Non-tobacco rates for Marijuana use All Inspection Reports replaced with ElectronicInspection Reports Expanded range of acceptable Green Cardsand work visas Clarity on accelerated underwriting opportunitieswith the Digital Application and AppAssist3
Underwriting Sweet SpotsAt Legal & General America,we look at the whole individualunder consideration, findingways to offer clients the bestpossible rate classification,every time.All eligible Standard or betterapplicants are evaluated forunderwriting credits.If we can move your client upone rate class, we will!Top sweet spots!Preferred Plus consideration for: cigarette smokers 3 years out clients with treated and controlled Hypercholesterolemia Clients with treated and controlled Hypertension Clients with a combination of treated HTN / cholesterol Clients with treated or untreated total cholesterol under 300 Clients who participate in recreational scuba diving up to 100 feet Clients with a family history of cancer which is not due to ahereditary cancer syndromePreferred consideration for: Clients with Asthma on two medications or less (well controlled) Clients with Anxiety / Depression on one prescription medication(well controlled) Clients with mild Sleep Apnea (Apnea Index (AI) 20 orRespiratory Disturbance Index (RDI) 30 and lowest oxygensaturation above 85% with good compliance for one year and noresidual symptomsStandard Plus consideration for: Clients with controlled Type II Diabetes Clients with Severe Sleep Apnea with documented good CPAPcompliance for one year and no residual symptoms Clients with personal history of cancer, subject to type, date ofonset and treatment including efficacy4
Non-Medical Risk SelectionAviationCriminal activityPreferred Plus rate class may be available forpilots of major airlines flying in the US and Canadawithout any other aviation exposure.Applicants who are in jail, awaiting trial, on probationor parole, have multiple or major felonies (e.g. murder,rape, organized crime, or terrorist acts) will not beconsidered for life insurance.Preferred Plus and Preferred rate classes may beavailable with an Aviation Exclusion Rider for otheraviation activity.Foreign residence and travelThere are a variety of approaches among the stateswhen handling life insurance for foreign residenceand travel. Due to the evolutionary nature of thistopic, please consult with the underwriting team orget a QuickQuote request to understand our currentphilosophy regarding foreign residence and past and/orcontemplated foreign travel.Recreational scubaAvailable for Preferred Plus rates if: dives do not exceed 100 feet PADI, NAUI, or SSI certified and all dives are donewith dive master or instructor open water dives only does not participate in wreck, salvage, ice orcave diving no personal history of disease or impairment thatwould adversely affect mortality no pre-existing medical impairments which mayaffect the safety of the scuba divingCigar smokersThis policy will apply only to occasional cigar users andnot other forms of tobacco. Preferred Plus is available if: the use is admitted at the time of application/inquiry and all case data coincides with theadmitted degree of usage; and no more than one cigar per month; and no nicotine metabolites (cotinine) are present in theurinalysis done within the past 12 months; and there is no use of tobacco products other thanoccasional cigars for at least 3 years prior to thetime of application or inquiryTobacco useA tobacco user is considered to be anyone who has usedtobacco in any form in the last 12 months. This includes: cigarettes cigars - only limited cigar usage may be consideredfor non-tobacco rates pipes smokeless tobacco chewing tobacco / snuff nicotine substitutes, including patches and gum electronic (smokeless) cigarettes vapingMarijuana useNon-tobacco rates will apply. Substandard rates mayapply depending on frequency and other factors, suchas marijuana for medicinal use.5
Get More Upsell ProgramThe Get More offerRequirements for the Get More opportunityOnce a new business application is approved, theunderwriter will do a financial underwriting review todetermine if the proposed insured is eligible foradditional coverage. If eligible, a letter will be sentexplaining the Get More offer. The letter is emailed tothe agency case manager, who has four business daysto respond. Increased coverage increments are based on thedifference between the face amount for which thecustomer applied and the face amount maximumfor the Get More opportunity. LGA gives brokers at least one alternative to offerthe customer, but in some cases as many as five.The customer can, however, choose any amount thatdoesn’t exceed the maximum specified in the letter.At this time, digital applications are not eligible for theGet More offer.A submitted application must still be in pending status.A proposed policy cannot include: term riders waiver of premium table ratings flat extras multiple pending applications application for business coverage applications where insured is not the owner applications where insured is not the payor dependent spousesOffers are made up to a face amount limit where noadditional requirements are necessary and that arewithin LGA’s retention of 2M through age 75.The underwriter may choose not to extend the Get Moreoffer, based on his or her discretion. If so, a note will beadded to the online case file.Help your clients get the right amount of coverageLet’s close the coverage gap6
AppAssist and Accelerated UnderwritingDigital Application and Digital AppAssistTraditional AppAssistThe AppAssist drop ticket platform combines our inhouse call center staff with a detailed client interviewand medical history. We take the administrative burdenof application fulfillment and case management off ofyour shoulders.The Traditional AppAssist tele-application programcontinues to be available and is only used for clients whoare not eligible for the newer digital application, or whenan agent has submitted a paper request for life insurance.Digital Accelerated UnderwritingWhen you drop a ticket to Legal & General America’sdigital application and automated underwriting platform,eligible customers may be approved without the needfor exams. Underwriting evidence is collected digitally,in real-time during the application process and givesapplicants the greatest opportunity to experience anexam-free approval.Traditional Application and Accelerated UnderwritingOutside of the digital application, exam-freeunderwriting for qualified applicants is still availablethrough Traditional AppAssist.Learn MoreView exam-free eligibility for Traditional AppAssistcases here NY versionFor clients who prefer a phone interview, our DigitalAppAssist team makes it easy for clients to completetheir digital application over a 30 minute call that can bescheduled at their convenience.The digital application is available for: All Issue Ages All Coverage Amounts All states except New York At this time no: Waiver of Premium, multiple policiesor business coverageLearn MoreFull details and other resources for the digital applicationplatform are available at lgamerica.com/digital appView digital exam-free eligibility parameters here7
Age and Amount RequirementsFace AmountTo determine the underwriting requirements, please add:1. The face amount currently being applied for, PLUS2. The face amount (including rider amount) of allexisting policies with Legal & General America.Age is defined by age nearest birthday.20-4041-50Ages51-60 100,000 to 250,000APM/NM, BUAPM/NM, BUAPM/NM, BUPM, BUAPSPM, BUAPSDAQ 250,001 to 500,000APM/NM, BUAPM/NM, BUAPM/NM, BUPM, BUEKGAPSPM, BUEKGAPSDAQ 500,001 to 1,000,000APM/NM, BUAPM/NM, BUPM, BUPM, BUEKGAPSPM, BUEKGAPSDAQAPM/NM, BUPM, BUEKGPM, BUEKGEIRAPSPM, BUEKGEIRAPSDAQAPM/NM, BUEIRPM, BUEKGEIRPM, BUEKGEIRAPSPM, BUEKGEIRAPSDAQPM, BUEIRPM, BUEKGEIRPM, BUEKGEIRAPSPM, BUEKGEIRAPSDAQPM, BUEKGEIRAPSPM, BUEKGEIRAPSDAQPM, BUEKGEIRAPSPM, BUEKGEIRAPSDAQFace Amount 1,000,001 to 2,000,000 2,000,001 to 3,000,000 3,000,001 to 5,000,000APM/NM, BUAPM/NM, BUEIRPM, BUEIR 5,000,001 to 10,000,000PM, BUEIRPM, BUEIRPM, BUEKGEIR 10,000,001 PM, BUEIRPM, BUEIRPM, BUEKGEIRThe Legal & General America Companies reserve the right to request additional requirements.61-70 708
Requirements KeyRequirementsAPM/NMAbbreviated Paramed / Non-med The examiner will take vitals (height, weight, blood pressure and pulse), blood and urine.Medical history can be attained by completing the Non-med (NM) Part 2 of the application.APSAttending Physician StatementMedical records from an attending physician/licensed medical professional.BBRBusiness Beneficiary ReportRequired for any business case over 3 million.BUBlood and UrineDAQDaily Activities QuestionnaireEKGElectrocardiogramEIR Electronic Inspection Report Required for amounts over 2 million for ages 20-60 and for amounts over 1 million forages over 60. In addition to EIR, verification of financial status is required for Personal Insurance over 5 million (Please reference facilitating the Underwriting Process on pg. 18 for details).PMParamedical Examination The examiner will take vitals, blood and urine, as well as a medical history from the applicant.TMEKGTreadmill EKGMay be required for cause and at underwriter’s discretionExam shelf lifePermissible time limits for routine age and amountmedical evidence, where the results are normal appliesto abbreviated, paramedical and medical exams,resting/treadmill electrocardiogram, blood/urine:Ages 20 - 60Ages 61 - 80Ages over 801 year6 months3 monthsNote: A Good Health Statement is required whenmedical evidence is over 60 days old. (Please referenceGood Health Statement guidelines on page 17)9
APS Ordering GuidelinesAttending Physician Statement (APS)ordering guidelinesAn APS is required when:A physician/licensed medical professional is consultedwithin these time frames:Age 100,000- 249,99920-5051-6061 No APS required (if Standard NT or better)3 MonthsAPS always requiredAge 250,000 - 1 million20-4041-5051-6061 1 Month3 Months1 YearAPS always requiredAge 1,000,001 - 2 million20-5051-6061 1 Year2 YearsAPS always requiredAge 2,000,001 and up20-5051-6061 2 Years3 YearsAPS always requiredAn APS is always required for applicants over age 60.At all ages, an APS may be requested at the discretionof the underwriter.An APS is not required for:Routine examinations Company physicals FAA or ICC physicalexamination Insurance examinations Routine gynecologicalexams; findings normalNormal pregnancy andchildbirthPre-school, pre-maritalor pre-employmentexaminationsRoutine operations Appendectomy Cataract Gallbladder Hemorrhoidectomy HerniaPilonidal cystSterilizationTonsillectomyMinor Illnesses Seasonal allergies Cold/Flu Hay FeverMinor injuryConsolidated conditions list usually requiring an APSat all ages and amounts, an APS is usually required ifthe proposed insured has obtained medical consultationfor the following conditions. Please ask for details ofmedical history (or incident), treatment (including a copyof hospital records) and follow-up care. ApneaBlood DisordersBrain TumorCancer1Cerebral Vascular Disease (Hemorrhage/Stroke/TIA)Chronic Obstructive Pulmonary Disease (COPD)/EmphysemaCognitive DisordersDiabetesEmbolismHeart (Cardiac) DiseaseHeart or Blood Vessel Surgery / DiseaseHereditary Cancer SyndromeHypertensionIntestinal BleedingInflammatory Bowel Disease (Ulcerative Colitis/Crohn’s)Kidney DiseaseLiver DiseaseMalignant Tumors1Mental Health DisordersMultiple SclerosisMuscular DystrophyPancreatic DiseaseParalysisRheumatoid ArthritisSubstance Abuse / DependenceThrombosis (Clots / DVT)Biopsy and follow-up surgical procedures1Please request Gross and Microscopic PathologyReports. An APS may not be required for Basal orSuperficial Squamous Cell Carcinoma.10
Preferred and Impaired RisksPreferred Plus may be possible even with thefollowing conditions:We look for the best possible impaired risktreatment for clients with: Anxiety / Depression / Mood Disorder - Oneepisode, duration of less than one year, recovered,no current medicationAsthma - Mild exercise induced asthma or mildseasonal asthmaCarotid Imaging - CIMT mildly increased for age/gender, no plaque or carotid stenosis.Echocardiogram - mild diastolic dysfunction,echocardiogram otherwise normal, BP well controlled.Mitral Valve Prolapse - Mitral valve normalappearing with normal thickness andechocardiogram otherwise normal, no regurgitationOsteoporosis - No known complicationsSkin cancers - Basal cell carcinoma, and superficialsquamous cell carcinoma. Single atypical nevus ordysplastic nevus: no history of melanoma or familyhistory of melanoma, with well documented andfavorable dermatology follow up.Preferred may be possible even withthe following conditions: Alcohol or Single Drug Abuse Treatment - Lastused more than 10 years ago, single episode oftreatment, without any relapse, total abstinencefrom any mood-altering drug and no subsequentalcohol or drug related issues.Anxiety / Depression / Mood Disorder - Current, onone drug, well controlledDysplastic Nevi – Up to 3 atypical or dysplasticnevi with no history of melanoma or family historyof melanoma, with well documented and favorabledermatology follow-up care.Valvular Disease – One valve mildly thickened orredundant valve, no mitral valve prolapse, less thanmild regurgitation, rest of echocardiogram normal.AsthmaAtrial fibrillationBladder cancerBreast cancerCerebrovascular diseaseCoronary artery diseaseDiabetes mellitus (adult onset)Elevated liver function testsHepatitis CMood disordersProstate cancerThyroid cancersSubstandard riskSubstandard ratings only available through Table 12.Table ratings are not available on Preferred Plus NonTobacco, Preferred Non-Tobacco or Preferred Tobacco.Substandard premium calculations are based on ourStandard Plus rates!Visit our underwriting micrositeFor access to helpful cover letters, case studies,underwriting newsletters and more, please go towww.lgamerica.com/underwriting.11
Underwriting Criteria - Preferred ClassesPreferred Plus (Non-Tobacco)Preferred (Non-Tobacco / Tobacco)AviationAvailable only with exclusion rider.Aviation Exclusion Endorsement(Rider) includes, but is not limited to,participation in any kind of aeronauticor aviation training or instruction; orintentionally leaving, falling or jumpingfrom an aircraft while in flight; orparticipation in any activity involvingintentionally leaving, falling or jumpingfrom an aircraft while in flight. Privatepilots over age 70 require an aviationexclusion rider.AviationAvailable only with exclusion rider.Aviation Exclusion Endorsement(Rider) includes, but is not limited to,participation in any kind of aeronauticor aviation training or instruction;or intentionally leaving, falling orjumping from an aircraft while inflight; or participation in any activityinvolving intentionally leaving, fallingor jumping from an aircraft whilein flight. Private pilots over age 70require an aviation exclusion rider.AvocationAvailable only if no flat extra premiumwould be required.AvocationAvailable, however may have a flatextra.BloodPressureCurrently well controlled with orwithout treatment, with the averagereadings in the past two years notgreater than 135/85.BloodPressureCurrently well controlled with orwithout treatment, with the averagereadings in the past two years notgreater than 140/90.BuildSee chart on page 14.BuildSee chart on page 14.Cancer History Only available on certain types of skincancer.Cancer HistoryOnly available on certain types of skincancer.CholesterolCholesterol120-300, with or without treatment.Chol/HDL Ratio May not exceed 4.5 with or withouttreatment.Chol/HDL RatioMay not exceed 5.5 with or withouttreatment.Driving History No more than 2 moving violations inlast 3 years. No DWI, DUI1, reckless /negligent driving2, license revocation orsuspension in last 5 years.Driving HistoryNo more than 2 moving violations inlast 3 years. No DWI, DUI1, reckless /negligent driving2, license revocation orsuspension in last 5 years.Family HistoryFamily HistoryNo cardiovascular death in eitherparent before age 60.120-300, with or without treatment.No cardiovascular disease in eitherparent or siblings before age 60.CAD is disregarded for applicants overage 70 who don’t use tobacco.CAD is disregarded for applicants overage 70 who don’t use tobacco.Cancer is no longer a factor preventingconsideration for our preferred classes.See page 10 for details.Cancer is no longer a factor preventingconsideration for our preferred classes.See page 10 for details.ImpairmentsNo personal history of disease orimpairment that would affect mortality.ImpairmentsNo personal history of disease orimpairment that would affect mortality.Residency /CitizenshipU.S. citizen or legal permanent resident/green card3 residing in the US at least3 years.Residency /CitizenshipU.S. citizen or legal permanent resident/ green card3 residing in the US at least3 years.Substance /Alcohol AbuseTobacco UseNo abuse.Substance /Alcohol AbuseTobacco UseNo abuse in past 10 years.No use of tobacco or nicotine-basedproducts in last 36 months. One cigarallowed per month with HO specimennegative for cotinine.No use of tobacco or nicotine-basedproducts in last 24 months. One cigarallowed per month with HO specimennegative for cotinine. (For PreferredNon-Tobacco.)Multiple DUIs are excludedReckless/Negligent Driving: includes, but is not limited to, speeding 30 mph over the posted limit or speeding 90 mph3Acceptable Green Cards include IR1, CR1, CR6, EB-1, EB-2, EB-3. Temporary visas E3, H1B, H4, K1, L1, L2 may also be considered.1212
Underwriting Criteria - Standard ClassesStandard Plus (Non-Tobacco)Standard (Non-Tobacco / Tobacco)AviationAvailable, however may have flat extraor exclusion rider. Private pilots overage 70 require an aviation exclusionrider.AviationAvailable, however may have flat extraor exclusion rider. Private pilots overage 70 require an aviation exclusionrider.AvocationAvailable, however may have a flatextra.AvocationAvailable, however may have a flatextra.BloodPressureCurrently well controlled with or withouttreatment, with the average readingsin the past two years not greater than145/90.BloodPressureCurrently well controlled with or withouttreatment, with the average readingsin the past two years not greater than156/94.BuildSee chart on page 14.BuildSee chart on page 14.Cancer HistoryAvailable depending on type and dateof onset of cancer.Cancer HistoryAvailable depending on type and dateof onset of cancer.Cholesterol120-300, with or without treatment.Cholesterol120-300, with or without treatment.Chol / HDLRatioMay not exceed 6.5 with or withouttreatment.Chol / HDLRatioMay not exceed 8.0 with or withouttreatment.Driving HistoryNo more than 3 moving violations inlast 3 years. No DWI, DUI1, reckless /negligent driving2, license revocation orsuspension in the last 3 years.Driving HistoryNo more than 4 moving violations inlast 3 years. No DWI, DUI1, reckless /negligent driving2, license revocation orsuspension in the last 2 years.Family HistoryNo cardiovascular death of more thanone parent before age 60.Family HistoryNo cardiovascular death of more thanone parent before age 60.CAD is disregarded for applicants overage 70 who don’t use tobacco.CAD is disregarded for applicants overage 70 who don’t use tobacco.ImpairmentsCan have personal history of certaindiseases or impairments.ImpairmentsCan have personal history of certaindiseases or impairments.Residency /CitizenshipU.S. citizen or legal permanent resident/ green card3 residing in the U.S. atleast 2 years.Residency /CitizenshipU.S. citizen or legal permanent resident/ green card3 residing in the U.S. atleast 2 years.Substance /Alcohol AbuseNo abuse in past 7 years.Substance /Alcohol AbuseNo abuse in past 7 years.Tobacco UseNo use of tobacco or nicotine-basedproducts in last 12 months. One cigarallowed per month with HO specimennegative for cotinine.Tobacco UseNo use of tobacco or nicotine-basedproducts in last 12 months. One cigarallowed per month with HO specimennegative for cotinine (for StandardNon-Tobacco.)Multiple DUIs are excludedReckless/Negligent Driving: Includes, but is not limited to, speeding 30 mph over the posted limit or speeding 90 mph3Acceptable Green Cards include IR1, CR1, CR6, EB-1, EB-2, EB-3. Temporary visas E3, H1B, H4, K1, L1, L2 may also be considered.1213
Build ChartPreferred Plus, Preferred, Standard Plus and Standard classesFor all underwriting classes, half-inch measurements are rounded up to the next inch.Applicants with weights below the minimum weight requirement will be evaluated by theunderwriter on an individual-consideration basis.We may underwrite applicants who do not fall within the specified height chart on an individualbasis. See the Substandard Build Chart for expanded weights.Maximum weight in poundsHeightPreferred PlusPreferredStandard PlusStandardMay be eligible for 1” height adjustment or creditsStandardIs not eligible for 1”height adjustment orcredits4'10"89-134135- 144145- 155156- 181182- 1964'11"92-139140- 149150- 160161- 188189- 2035'0"95-144145- 154155- 166167- 194195- 2095'1"98-149150- 159160- 171172- 201202- 2165'2"101 -153154- 164165- 177178- 207208- 2245'3"104 -158159- 170171- 183184- 214215- 2315'4"108 -164165- 175176- 188189- 221222- 2385'5"111 -169170- 181182- 194195- 228229- 2465'6"115 -174175- 186187- 200201- 235236- 2535'7"118 -179180- 192193- 207208- 242243- 2615'8"122 -185186- 198199- 213214- 249250- 2695'9"125 -190191- 204205- 219220- 257258- 2775'10"129 -196197- 210211- 225226- 264265- 2855'11"133 -201202- 216217- 232233- 272273- 2936'0"136 -207208- 222223- 239240- 279280- 3026'1"140 -213214- 228229- 245246- 287288- 3106'2"144 -219220- 234235- 252253- 295296- 3196'3"148 -225226- 241242- 259260- 303304- 3276'4"152 -231232- 247248- 266267- 311312- 3366'5"156 -237238- 254255- 273274- 320321- 3456'6"160 -243244- 260261- 280281- 328329- 3546'7"164 -249250- 267268- 287288- 336337- 3636'8"168 -256257- 274275- 295296- 345346- 3726'9"173 -262263- 281282- 302303- 354355- 3826'10"177 -268269- 288289- 309310- 363364- 3916'11"181 -275276- 295296- 317318- 371372- 40114
Credit ProgramImprove one rate class with creditsApplicants who may qualify for creditsWe can improve an underwriting decision by one classfor qualified applicants in the Standard eligible or bettercategories.Non-Tobacco examplesAn applicant meets all criteria for Preferred Plus, exceptfor a build of 5 foot 9 inches and 195 pounds, which fallsinto the Preferred range. By adding one inch, the buildbecomes 5 foot 10 inches, 195 pounds, which qualifiesfor Preferred Plus.If one adverse finding was for build, blood pressure,family history or cholesterol / HDL ratio, our underwriterswill automatically check to see if the respective creditcriteria can be satisfied and improve the rate class.Availability: all ages all face amounts all riders non-tobacco and tobacco usersFor fluidless underwriting and all digital applications,only the one inch credit for build is available.Qualifying for an improved classBuildWe will add an inch to measured heightto see if a one class improvement isavailable.No improvement? Try adverse findings.An applicant who is Standard Plus due to family historyof cardiovascular death of a parent before age 60 andPreferred for everything else, may qualify for Preferredusing the credit criteria.An applicant who is Preferred for blood pressureand Preferred Plus for everything else can qualify forPreferred Plus using the credit criteria.Tobacco examplesA tobacco user who is Standard Tobacco due to bloodpressure readings in the Standard Plus range andPreferred for everything else, can qualify for PreferredTobacco if the credit criteria is met.A tobacco user who is Standard Tobacco due to familyhistory of cardiovascular death of a parent before age60 and Preferred for everything else, can qualify forPreferred Tobacco if the credit criteria is met.1.No tobacco use in the past 10 years. This criteriais met if the applicant occasionally smokes cigars(no more than 12 per year) and has a current urinespecimen showing negative for nicotine. (Notavailable as a credit for tobacco users)2.Cholesterol/HDL ratio of 4.53.NT Pro BnP under 100 (for ages 60 and up)4.Evidence of a normal cardiac test within thepast 2 years yielding superior positive predictivevalue such as a negative exercise stress test (atleast 10 METS), nuclear / perfusion stress test,stress echocardiogram, cardiac angiogram, CTangiogram or EBCT score of 0.5.Both parents surviving to at least age 75 and nosibling with onset of cancer or cardiovasculardisease before age 60.6.Lifestyle: One of the following must be met: regularannual checkups, regular participation in exercise/ wellness programs, routine age or genderrelated preventative / baseline studies (pap smear,mammography, prostate exams, colonoscopy, etc.)or any other endeavor that adds positive protectivevalue as evidenced in routine medical records.7.GGT below 30Adverse findings Family HistoryBlood PressureCholesterol / HDL RatioIf the applicant’s rate class was dueto an adverse finding in any of thesecategories, try credit criteria.Credit criteriaIf the applicant meets any three of theseven credit criteria, he or she maymove up one underwriting class!15
Retention and Reinsurance Large CasesLarge casesRetentionTables9 -12All applications greater than 5 million face amount getall the special attention we know they require.AgesPreferred PlusTable 4Tables5-820-75 2 million 500,000 500,00076-85 500,000 500,000 500,000Our underwriting professionals have the expertisenecessary to drive these critically important casesthrough to policy issue.Our dedicated large case underwriters consult withprofessionals throughout our organization to ensure theoptimal decision is reached.Automatic Binding LimitsAgesPreferred PlusTable 4Tables5-8Tables9 -1220-75 20 million 5 million 5 million76-80 4 million 2 million 1 million81-85 2 millionNoneNoneSignificant additional capacity is available throughfacultative reinsurance for cases exceeding ourAutomatic Binding Authority.Jumbo LimitsCases in excess of our jumbo limits require facultativeapproval by our reinsurers. Case size is determined bytotal in force plus total amount currently applied forwith all companies, including amounts to be replaced.AgesAmounts20-75 65 million76-85 30 millionForeign National Jumbo Limit20-70 35 million16
TIAA and Good Health StatementTemporary Insurance Application / Agreement(TIAA)Our agreement provides a limited amount of lifeinsurance coverage, for a limited amount of time andis subject to specific terms, conditions and otherlimitations.Temporary insurance cannot begin and no paymentshould be taken, if any question on the TIAA is answered“Yes” or left blank.Maximum face amount for temporary insurance is 1,000,000 for all pending applications. Maximum issueage is 70.If, based on the terms of the TIAA, payment is made andaccepted with the application, please be sure to: read and answer all questions accurately.fully explain the terms of the agreement to theproposed insured and owner.fully complete the TIAA.secure proposed insured and owner signatures anddate TIAA.provide proposed insured and owner with a copysubmit the TIAA along with the application andpayment.Policies covered under the TIAA will receive a policy dateequal to the issue date, unless an older date is requested.Note: Underwriti
PM Paramedical Examination The examiner will take vitals, blood and urine, as well as a medical history from the applicant. TMEKG Treadmill EKG May be required for cause and at underwriter’s discretion Exam shelf life Permissible time limits for routine age and amou
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Department of Insurance Replacement of Life Insurance and Annuities. Page 3. 04. Existing Life Insurance or Annuity. "Existing Life Insurance or Annuity" means any life insurance or annuity in force, including life insurance under a binding or conditional receipt or a lif e insurance policy or annuity that is within an unconditional refund period.
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