To request your own quote, please visit the Request a Quote area of this site.
|
Male - Age 35
|
- Non-Tobacco User Issued Preferred Plus
- $1,000,000 Coverage
- $102.00/Month Payment*
- Rate Guaranteed for 30 Years
|
Male - Age 45
|
- Non-Tobacco User Issued Preferred Plus
- 1,000,000 Coverage
- $70.00/Month Payment*
- Rate Guaranteed for 10 Years
|
Male - Age 50
|
- Non-Tobacco User Issued Preferred Plus
- $500,000 Coverage
- $107.00/Month Payment*
- Rate Guaranteed for 20 Years
|
Male - Age 50
|
- Smoker Issued Preferred
- $250,000 Coverage
- $141.00/Month Payment*
- Rate Guaranteed for 15 Years
|
Female - Age 40
|
- Smoker Issued Preferred
- $500,000 Coverage
- $70.00/Month Payment*
- Rate Guaranteed for 10 Years
|
Female - Age 45
|
- Non-Tobacco User Issued Preferred Plus
- $1,000,000 Coverage
- $97.00/Month Payment*
- Rate Guaranteed for 20 Years
|
* Rates for New York State are higher than shown here.
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| UNDERWRITING CRITERIA |
|
| SELECT PREFERRED RISK |
PREFERRED RISK |
| Tobacco: |
No use for 36 months, urine nicotine negative. |
No use for 12 months, urine nicotine negative.
(Tobacco use acceptable for Preferred Tobacco Class only)
|
| Family History: |
No deaths prior to age 60 among
natural parents or siblings due to
heart disease, stroke, cancer, or diabetes.
|
Same except no cancer prohibition. |
| Blood Pressure: |
No history of treatment.
Current: not greater than 135/85 through age
50 or 145/90 above age 50.
|
Controlled for the past 2 years.
With no readings greater than 145/90 through age 50 or 150/90 above age 50.
|
| Cholesterol: |
No history of treatment.
Cholesterol/HDL ratio is 5.5 or less.
|
Not above 230 for the past 2 years. Cholesterol/HDL ratio is 6.5 or less. |
| Residence: |
Permanent resident of US, Canada, or Puerto Rico. |
Same |
| Felony Conviction: |
None within the past 10 years |
Same |
| Driving: |
No conviction for reckless driving or driving under the influence of alcohol or drugs within the past 7 years.
No suspension, revocation, or more than 2 moving violations in the last 3 years.
|
Same except no conviction for reckless driving or driving under the influence of alcohol or drugs in the past 5 years. |
| Hazardous Sports and Aviation: |
No participation in hazardous sports or activities:
racing, scuba diving, etc., student, or private pilot activity. Exclusions will be permitted for qualification where state approved. Pilots flying for major airlines on regularly scheduled flights can be considered without an exclusion.
|
Same |
| Basic Insurability: |
Standard risk with no history or current significant impairments such as diabetes, cancer, stroke, heart disease, or hazardous occupation - No history of alcohol or drug abuse, current laboratory values within normal limits. |
Same |
| Height/Weight: |
See Chart |
See Chart |
|
| Height/Weight Chart |
| Height |
Select
Preferred
Weight |
Preferred
Weight |
Height |
Select
Preferred
Weight |
Preferred
Weight |
Height |
Select
Preferred
Weight |
Preferred
Weight |
| 4' 10" |
127 |
137 |
5' 6" |
172 |
182 |
6' 2" |
213 |
223
|
| 4' 11" |
132 |
142 |
5' 7" |
177 |
187 |
6' 3" |
219 |
229
|
| 5' 0" |
136 |
146 |
5' 8" |
181 |
191 |
6' 4" |
224 |
234
|
| 5' 1" |
141 |
151 |
5' 9" |
187 |
197 |
6' 5" |
230 |
240
|
| 5' 2" |
146 |
156 |
5' 10" |
191 |
201 |
6' 6" |
237 |
247
|
| 5' 3" |
152 |
162 |
5' 11" |
197 |
207 |
6' 7" |
243 |
253
|
| 5' 4" |
157 |
167 |
6' 0" |
202 |
212 |
6' 8" |
250 |
260
|
| 5' 5" |
162 |
172 |
6' 1" |
208 |
218 |
|
|
|
|
To request your own quote, please visit the Request a Quote area of this site.
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