Insurance Designers of Central Texas T: 512.257.9700 or 800.727.1035 Preferred Underwriting Guide - Updated September 2010 Company AmGen - Preferred AVIVA - Preferred AXA - Preferred Banner - Preferred Genworth - Preferred ING - Preferred JHancock USA - Lincoln Benefit Life - Lincoln Life - Preferred Met Life - Preferred Nationwide - Preferred Protective -Preferred Prudential - Preferred SBLI - Preferred Sun Life - Preferred Preferred Preferred Plus Blood Pressure 0-60: 145/88 61+: Term: 18-60: 140/90; 0-59: 145/90 146/90; no 0-50: 140/90 16-60: 145/90 18-50: 140/85 0-60: 140/90 61- 0-69: 140/90 70+: 0-54: 140/85 55+: 0-55: 145/90 0-60: 140/90 61- 0-49: <135/85 0-60: 135/85 140/90 155/88 61+: 150/90 60+: 150/90 readings in the past 2 51-64: 145/90 61-70: 150/90 51+: 145/90 69: 150/90 155/90 140/90 56+: 150/90 70: 150/90 50+: <140/90 61+: 145/90 *current & average Perm: 18-45: 135/84; 46- years greater than 65+: 150/90 71+: 160/90 ave of past 70+: 155/90 71+: 160/95 readings for 3 yrs cannot 55: 144/88; 56+: 150/90 146/90 2 yrs exceed these limits. Treatment ok. Treatment ok. Or Pref. Plus BP reading Treatment okay. Treatment OK. Treatment OK. Treatment OK. Treatment OK. Treatment OK. Treatment OK. No treatment within last Treatment okay if well Treatment OK if Treatment OK. Treatment ok. with treatment. 12 months. controlled for at least 1 controlled for 1 yr. year. Family History No cardiovascular or No deaths from CAD or 0-69: No deaths from No cardiovascular or 0-64: No CAD or cancer If < age 60, no No more than 1 death of No death of parent or No deaths of parent or No death from heart No death due to No death from cancer, No more than 1 death of No death in parent prior No cancer or cardiac cancer death prior to age cancer prior to age 60 CAD or cancer before cancer death prior to age death in either parent cardiovascular deaths in a parent or sibling prior sibling before age 60 sibling prior to age 60 disease or cancer (some cardiovascular disease heart disease, or any a parent prior to age 60 to age 60 due to CVD or death for either parent 60 in a parent (age 65 for term) in a age 60 in a parent. 60 in a parent. before age 60. a parent prior to age 60. to age 60 from CAD or from CAD, stroke, from heart disease or cancers may qualify) in or cancer in either parent cardiac-related condition due to CAD, CVD or cancer. prior to age 60. parent or sibling. 65-74: No cancer death cancer. invasive internal cancer diabetes. Age 70+: parent prior to age 60 or or sibling prior to age 60. of parent or sibling prior cancer (colon, breast, 71+: no criteria. in either parent before or malignant melanoma. disregard family history. sibling prior to age 65. Age 71+: n/a. to age 60. Wavied if 60+ ovarian, melonoma, age 60. unless both parents died prostate, pancreas, 75+: no limitation. from 1 of the same stomach). *Disregard if 70+: No criteria. All ages: if both parents impairments. age 60 and older, or if live to age 80, overlook adopted. BMI or Chol/HDL ratio as long as findings are not ratable. Driving History 2 violation in past 3 2 violations in past 3 16-44: no > 1 MV 3yrs 2 violations in past 3 No DWI, DUI, reckless 2 violations w/in past 3 2 MV in past 2 yrs; no 2 violations in past 3 2 violations in past 3 2 violations in past 3 2 violations in past 3 3 violations in past 3 yrs; 2 violations or accidents No more than 2 MV in 5 year non-ratable yrs; no DUI or yrs; no DUI/Reckless in 45-69: no > 2 MV 3yrs yrs; no DUI or driving or suspension in yrs; no DUI, DWI or DUI or reckless driving yrs; no DUI , reckless yrs; no DUI or license yrs; no DWI in past 5 years; no DUI/DWI No DUI or reckless in past 3 yrs; no last 3 yrs; no more than offenses; no DUIs. suspensions in past 5 past 5 yrs. 70+: no MV 2 yrs suspensions in past 5 past 5 yrs. reckless driving in past 5 convictions in past 5 yrs driving in past 5 yrs. suspension in past 5 yrs. yrs. conviction in past 5 driving in last 5 yrs. DUI, DWI or reckless 1 DUI, reckless driving in yrs. yrs. yrs. & no more than 1 years. driving conviction in past last 5 yrs; no license conviction ever 5 yrs; no license suspension within last 3 suspension in past 3 yrs. yrs. No DWI, reckless driving Age 71+: No history in 71+: 1 MV in past 2 yrs; 5 yrs. past 10 yrs of accidents / no DUI or reckless reckless driving / driving convictions in revocation of license. past 5 yrs & no more than 1 conviction ever. Nicotine No use in past 3 yrs. Term: None in past 36 No use in past 3 yrs. No use in past 2 yrs. No use in past 3 yrs. No use in past 3 yrs. No use in past 2 yrs. No use in past 3 yrs. No use in past 2 yrs. No use in past 5 yrs. No use in past year. No use in past yr. No use in past 3 yrs. No use in 3 yrs. 18-70: no use in 2 yrs. Occ cigar ok if no other mos. Perm: None in past 71-85: no use in 3 yrs. nicotine in 5 yrs & neg 1yr. Occasional cigar ok Occasional cigar ok Occasional cigar ok Occasional cigar (12/yr) Occasional cigar (12/yr) Occ. Cigar (24/yr) ok w/ Occ cigar (4/yr) ok w/ Occasional cigar (12/yr) Occ cigar (3/mo) ok w/ test. w/neg test. w/neg test. w/neg test. ok w/neg test. ok w/ neg test. neg test. neg test. ok w/ neg test. neg test. Cholesterol 280 if HDL <5.5 Term: 240 with HDL 250 & 5 & HDL > 35 or Max 250 with HDL <6.0 Between 150 & 300. 16-70: 240 w/ HDL < 5.5 18-50: 250 with HDL 0-60: 250 with HDL < 0-69: 265 if HDL < 5.5 or 0-54: 220 with HDL <5.0 230 with HDL <6.5 250 with HDL <6.0. Age Cholesterol/HDL ratio 6 Max 250 with HDL <6 18-70: 240 w/ HDL<5.5 235 if HDL< 6.0 <5.5. Perm: 250 with 270 & 4.5 & HDL >35 Female: HDL <5 or 260 w/ HDL < 5.0. <5.0 51- 6.0. 70+: 250 if HDL < 6.5. If 55+: 240 with HDL <5.0 250 with HDL <5.5 71+: 130-300 with HDL or less. with no treatment or 71-85: 260 w/ HDL<6.0 HDL <6.5; 300 if HDL is Treatment OK. Male: HDL <5.5. 71+: b/w 160 - 280 w/ 70: 270 with HDL <5.5. 325 with HDL < 6.5. ratio < 4, disregard total or 260 with HDL <4.5. 270 with HDL <4.5 <5.0. HDL<5 with treatment. Treatment ok. <5.0. HDL > 45. 71+: b/w 159 & 300 chol. 70+: 299 Age 71+: must be > 160. mg/dl, HDL must > 35 if HDL < 7.0. Minimum Treatment OK. Treatment OK. Treatment OK. Treatment OK. Treatment OK. mg/dl. Treatment Treatment OK. untreated chol is 125. Current treatment ok if Treatment okay. Treatment OK. Treatment OK. ok. Treatment okay. acceptable level maintained for 12 months. Alcohol/ Substance No stated criteria. No history of abuse. No history of abuse in No history of abuse in No history of abuse in No history of abuse in No history of abuse or Never treated. No history of abuse in No history or treatment. No history of abuse No history of abuse. No history of abuse or No history or treatment No stated criteria. abuse past 8 yrs. past 10 yrs. past 10 yrs. past 10 yrs. treatment in past 10 past 7 yrs. within 10 years. treatment in past 10 in past 10 yrs. yrs. yrs. Personal No history of cancer or No history of CAD, No history of cancer, No history of disease or No history of cancer – No history of disease No history of diabetes, No history of significant No history of No history of diabetes. No history of CAD, No history of diabetes, No history of CAD, No personal hx of No history of cardiac or disease that would affect diabetes, CVD, or diabetes or heart impairment that would except certain types of that would affect CAD, CVD, cancer medical conditions. cardiovascular disease, May be available with diabetes, stroke or cancer, stroke, heart diabetes, cancer (except cancer, CVD or diabetes peripheral vascular; mortality. cancer. (Perm: except disease, even if not affect mortality. skin cancer - or disease mortality; no history in (some skin cancers ok) diabetes and/or cancer some history of cancer (except basal cell- disease. certain skin cancers), or mellitus. diabetes: 3 yr history of certain types of skin ratable (except certain that would affect past 30 yrs of cancer or current impairment. (except benign skin) cardiovascular disease skin). Glucose intolerance. A1c control at <6.5; cancer.) skin cancers). mortality. (except basal cell). under age 70. Age 70+: & certain cancers. No cancer history: 10 yrs could get pref for diab - flat extra. after the end of any flat see u/w guide for details. extra. Aviation Not available to private Available if qualifies as Perm flat extra up to Available only with Flat extra (available in Aviation available - may Private pilots: only w/ > Regularly scheduled US- Private pilots: only w/ No aviation except for No rating for aviation Commercial pilots only; Private, commercial, Private pilot ok with Non-ratable. pilots. std aviation risk or with $3.5 / 1000 may be exclusion rider. most cases) or have Aviation Exclusion 300 hrs experience who based airline & best IFR, flies b/w 50-250 non-ratable commercial (civil exclusion is possible exclusion for ATP ok: min age 30, min exclusion. exclusion/flat extra. allowed. exclusion. Rider (AER). fly 25-200 hrs / yr & have private pilots (over 300 hrs/year, < age 70, clean pilots. Exclusion rider eligible). private pilots. 1000 hrs, min 100 hrs in IFR or pilots & crew. Flat hrs flying 50-150 hrs/yr MVR & flying limited to acceptable. No flat extra. current aircraft, no FAA extra or exclusion may with IFR). US & Canada. violations in 5 yrs, valid be available. 71+: n/a med cert. No ratable activities. Citizenship/ US citizen or permanent US citizen or have a No stated criteria. Reside in US for past 3 No stated criteria. No stated criteria. Possible for non-US Lawful permanent Term: no foreign Perm residents with No stated criteria. Permanent resident Full time, prem resident US resident for last 2 yrs No stated criteria. Residency resident & resided in US permanent visa/green yrs; US citizen or citizen; evaluation is resident of US for 3 residency. UL: may be green card/VISA in US US,Canada or P.Rico for of the US, Canada or "A" and US citizen or perm for 6 mos. card & resided in US for permanent visa/green case by case. yrs. eligible if on the for 1 yr with intent to stay at least 1 yr. countries. Visa or Green Card. past 2 yrs. card. approved country list. 5 yrs. NOTE: The information stated above is intended to be a guideline. All applications are subject to an underwriter review. Preferred is not available to clients who exceed ht/wt guidelines. Offers may also be limited by participation in hazardous activities, high-risk foreign travel, and the presence of felony convictions in client background. Transamerica - United of Omaha - WCL - Preferred Preferred Preferred 0-70: 145/85 145/90 0-60: 140/90 61- 71+: 150/90 70: 150/90 Treatment OK. 71+: 160/95 Treatment OK. Treatment OK if controlled for 1 yr. No death due to heart or No death due to heart No death from cancer, vascular disease or disease or diabetes prior heart disease, or any cancer of either parent to age 60 in a parent or cardiac-related condition before age 60. Disregard sibling. Does not apply if of parent or sibling prior if PI is > age 60. 65+. to age 60. Wavied if 60+ unless both parents died from 1 of the same impairments. 2 violations w/in past 3 2 violations in past 3 3 violations in past 3 yrs; yrs; no DUI, DWI or yrs; no DUI, DWI or No DUI or reckless reckless driving in past 5 reckless driving in past driving in last 5 yrs. yrs. 5 yrs. No use in past 2 yrs. No use in past 3 yrs. No use in past yr. Occ cigar (1/mo) ok w/ Occasional cigar (12/yr) Occasional cigar (12/yr) neg test. ok w/neg test. ok w/ neg test. 0-70: Max 260 with HDL Max 275 with HDL <6.0 250 with HDL <6.0. Age <5.5 71+: Max 71+: 130-300 with HDL 260 with HDL <6.0. <5.0. Treatment OK. Treatment OK. Treatment OK. No history or treatment No history of abuse in No history of abuse. at any time. past 10 yrs. No history of heart or No history of CAD, DM No history of diabetes, vascular disease, or Cancer (Basal Cell cancer, stroke, heart diabetes or cancer skin cancer & superficial disease. (except some skin squamous cell allowed). cancers). Available w/ Aviation Exclusion for private Commercial pilots only; Exclusion Rider (AER); pilot or crewmember. possible exclusion for may qualify for special Some types of private pilots. no-flat rates. Flat extra commercial aviation may avail on UL. be acceptable. Residence in a stable No stated criteria. Citizen of US or Canada country. No flat extra or proof of permanent allowed. residence.
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