Underwriting Strengths Help Shape Great Offers

• Occasional cigar users (two per month or less) can qualify for Preferred Plus, Preferred & Standard Plus non-tobacco rates if there is a negative urinalysis test
• Clients who occasionally use marijuana may qualify for Preferred or Standard Plus non-tobacco rates

Here are some examples for family history underwriting strengths:

• Family history qualifications do not apply if the proposed insured is 60 or older for Preferred Plus, Preferred & Standard Plus classes
• Family history qualifications apply only to deaths rather than disease
• Family history qualifications do not apply to gender-specific cancers for opposite sex persons
• Family history of deaths due to diabetes can qualify for Preferred Plus, Preferred and Standard Plus classes

Underwriting strengths for common health impairments and non-medical risks:

• Mild Asthma clients may be eligible for Preferred
• Mild Sleep Apnea may be eligible for Preferred with verified C-PAP usage
• Treatment for cholesterol or hypertension does not exclude a proposed insured from any Preferred classes
• Maximum cholesterol levels for Preferred classes is 300 with favorable ratios; 5.0 or less for Preferred Plus, 6.0 or less for Preferred, 7.0 or less for Standard Plus
• Commercial pilots for regularly scheduled passenger airlines can qualify for all preferred classes
• Certain private pilots with IFR/ATP rating, flying between 50-250 hours annually and 1000 or more total hours of piloting experience may qualify for Preferred and Standard Plus classes
• Preferred classes may be available for occasional scuba diving if proposed insured is certified and dives less than 100 feet