Agent Guide.pdf - Supporting Independent Agents

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Alliance Solutions Probable Actions for Underwriting Conditions T = table rating std =standard std plus = standard plus This is a guideline to assist with field underwriting; final decisions are at underwriter discretion. Refer to the Table Rating <strong>Guide</strong> at end of document for additional information. Impairment Probable Action Select Term / Index Universal Life Probable Action Advantage Term / Universal Life Pacemaker¹ T 3 to decline std to decline Pancreatitis
Alliance Solutions Probable Actions for Underwriting Conditions T = table rating std =standard std plus = standard plus This is a guideline to assist with field underwriting; final decisions are at underwriter discretion. Refer to the Table Rating <strong>Guide</strong> at end of document for additional information. Probable Action Impairment Select Term / Index Universal Life Rheumatoid arthritis¹ mild - std to T 2 moderate - T 2 severe - T 4 to decline Sarcoidosis¹ std to decline std plus to decline Sebaceious cyst std² std plus² Sciatica std² std plus² Schizophrenia¹ Scuba diving 10 yrs since diagnosis/episode - std 100 feet or less - std² 101-250 feet - $2.50 to $5.00 flat extra >250 feet - $7.50 - $10.00 flat extra Probable Action Advantage Term / Universal Life mild - std plus or std moderate - std severe - std to decline 10 yrs since diagnosis/episode - std plus 100 feet or less - std plus² 101-250 feet - possibly std >250 feet - $7.50 - $10.00 flat extra on UL Sinusitis std² std plus² Sky diving $5.00 - $7.50 flat extra std to $7.50 flat extra Sleep apnea mild - std moderate - std to T 3 severe - T 2 to 4 mild - std plus moderate - std plus or std severe - std Stent/Coronary Artery Desease/Surgical Intervention Stroke (CVA)¹ Suicide attempt¹ 6 mo since event or surgery - T 2 to decline 7 yrs from last treatment, no recurrence, no spread to lymph nodes - usually std 6 mo since event or surgery - std to decline 7 yrs from last treatment, no recurrence, no spread to lymph nodes - usually std plus 40 ¹ Indicates an Attending Physicians Statement will most likely be needed. ² Indicates the applicant could potentially qualify for preferred rates, assuming they otherwise meet the preferred criteria.
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Page 3 and 4: Helpful Guidelines New Business 1.
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Agent Guide.pdf - Supporting Independent Agents

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