How Long Does Dwi Affect Insurance Rates Texas by ryq14701

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									                     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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