life insurance - Resource Brokerage

TABLE OF CONTENTSMedical Underwriting Requirements........................................................................................................................................... 2Non-Medical Underwriting RequirementsConsumer Reports, Telephone Surveys and Motor Vehicle Records................................................................................................. 5Underwriting GuidelinesFinancial Underwriting and Dependency Guidelines...................................................................................................................... 6Investor Owned Life Insurance, Retention and Reinsurance............................................................................................................ 7Applications Information and Completion Instruction, Policy State & Application Forms.................................................................. 8Best Class Criteria:Elite Plus, Preferred Plus, Elite Nonsmoker, Standard Plus and Preferred Classes (Nonsmoker and Smoker)............................... 9Family History — Cardiovascular Disease............................................................................................................................. 10Standard Class Criteria........................................................................................................................................................ 10Height & Weight Limit Table (through Table C)............................................................................................................................ 11Foreign Risks ............................................................................................................................................................................. 12Foreign Travel Program............................................................................................................................................................... 16Military Personnel...................................................................................................................................................................... 18Tobacco Use Guidelines............................................................................................................................................................. 19Adverse Underwriting Letters..................................................................................................................................................... 19Temporary Insurance.................................................................................................................................................................. 20Underwriting ProgramsRapid eUnderwriting.................................................................................................................................................................. 20MetEdge .................................................................................................................................................................................... 21Cross Franchise Term Conversions............................................................................................................................................... 21Solutions for Life (External Term Conversions)............................................................................................................................. 22Simplified Underwriting Program for Multi-Life Cases (Pre-approval required).............................................................................. 23Parallel Underwriting Track (PUT) Program.................................................................................................................................. 24Group Conversion Checklist........................................................................................................................................................ 25Managing Your Cases:Tips to avoid pending your case and improve ‘In Good Order’ (IGO)............................................................................................ 261035 Checklist........................................................................................................................................................................... 28Replacement Forms by State...................................................................................................................................................... 29Customer Verification Documentation of OwnersKnow Your Customer Documentation Requirements.................................................................................................................... 31Contact Information..................................................................................................................................................................... 33For Producer and Broker/Dealer Use Only. Not for Public Distribution.1