The Life Underwriting Guide - Pilot Insurance Center
The Life Underwriting Guide - Pilot Insurance Center
The Life Underwriting Guide - Pilot Insurance Center
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UNDERWRITING GUIDELINES<br />
Standard (Nonsmoker, Smoker and Juvenile Standard) Criteria <strong>Guide</strong>lines<br />
CRITERIA STANDARD<br />
Height + Weight Use Height and Weight Limit Table on Page 20<br />
Blood Pressure<br />
Ages 15 - 39<br />
Ages 40 - 49<br />
Ages 50 & over<br />
160/90 or less<br />
165/90 or less<br />
170/90 or less<br />
Current medication acceptable for all ages<br />
Blood/Urine Some Variances Qualify<br />
Cholesterol<br />
Ages 0-65<br />
Ages 66 & older<br />
Personal<br />
Health History<br />
Flat Extra<br />
Premiums (FEPs)<br />
350 or less and Ratio 8.0 or less<br />
350 or less and Ratio 9.6 or less<br />
Current medication acceptable for all ages<br />
Average risk with or without an FEP, Not Substandard<br />
FEPs acceptable.<br />
Exclusion Riders acceptable where available<br />
Average risk with or without an FEP, Not Substandard<br />
Driving History<br />
Substance Abuse: Average risk with or without an FEP, Not Substandard<br />
Alcohol/Drugs<br />
Tobacco Use See Tobacco Use <strong>Guide</strong>lines on Page 17<br />
Other medical or non-medical risks not listed above may preclude consideration for the<br />
Standard class. Values listed in chart generally represent the maximum allowable.<br />
FOR FINANCIAL PROFESSIONAL USE ONLY --- NOT FOR PUBLIC DISTRIBUTION<br />
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