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Helpful Underwriting Hints

Topic	Company	Criteria	Rate
Aviation	AXA Equitable	150 hours or less Instrument Rating	Preferred
	Lincoln National	Instrument Flight rating; fly less than 250 hrs a yr; clean motor record & under age 70	Preferred
	Prudential	Student & Private Pilot - 200 hrs/yr or less - with or without instrument rating	Non-smoker +
	John Hancock	Only available to private pilots with more than 300 hours of experience who fly 25-200 hours yearly and have IFR or pilots and crew on regularly scheduled airline flights	Preferred
Blood Pressure	Banner Life	Well Controlled 2 yrs. with treatment	Preferred +
Blood Pressure	AXA Equitable	With Treatment	Preferred best
Cancer History	Banner	Basal Cell	Preferred +
Cancer History	Genworth	Basal Cell	Preferred +
Cholesterol	American General	Well Controlled with or without medication	Preferred +
	AXA Equitable	treated	Preferred Elite
	Banner Life	Well controlled with or without treatment	Preferred +
	Genworth	Treated & untreated	Preferred +
	John Hancock	Well Controlled with medication	Super Preferred
	Lincoln Benefit	Well controlled w/ or w/o treatment	Preferred Elite
Cigar	American General	one to two cigars per month with no nicotine in specimen	Preferred + Non-Smoker
	AXA Equitable	Two cigars a month with no nicotine in specimen	Standard Plus NT
	Banner Life	12 per year with No Nicotine in Specimen	Preferred Plus Non-Smoker
	Genworth	No nicotine in specimen - 12 or less per year	Preferred Best Non-Smoker
	ING	One Per Week with No Nicotine in Specimen	Super Preferred Non-Smoker
	Lincoln National	With nicotine in specimen	Standard Nonsmoker
	Lincoln National	No Nicotine in specimen – no cigarettes use for 5 years	Preferred Non-Smoker
	John Hancock	Nicotine in specimen OK	Standard Nonsmoker
	Prudential	No nicotine in specimen	Preferred Non-Smoker
	Prudential	Nicotine in specimen	Standard + Nonsmoker
	West Coast Life	6 per year with no nicotine in specimen	Super Preferred
Cigarettes	AXA Equitable	No use for 12 months - No Nicotine in specimen	Standard Plus NT
	Met Life	No use for 12 months	Standard Nonsmoker
	West Coast Life	No use for 12 months	Preferred Nonsmoker
Diabetes	AXA Equitable	Type I & II, well controlled, Adult on set	Standard
	AXA Equitable	Insulin controlled	possible standard
	Banner Life	Type II, well controlled, Adult on set	Standard
Family History of Cancer	American General	No cancer death prior to age 60 (parents only) Disease OK	Preferred
	American General	One cancer death prior to age 60 (parents only)	Standard +
	AXA Equitable	family history of cancer death prior to age 60	Preferred
	ING Reliastar	Cancer OK	Preferred Plus
	John Hancock	No death of a parent or sibling prior to age of 60. Disease OK	Preferred Best
		No more than one death of parent or sibling prior to age of 60 from Cancer	Preferred
		Family History waived for clients ages 71 and over	Super Preferred
	Lincoln Financial	Cancer OK	Preferred Best
	Met Life	Family history can be waived if client is age 66 or older	Elite +
	Met Life	No death of a parent or sibling prior to age of 65. Disease OK	Preferred Best
	Protective Life	Family history requirement can be waived for clients over age 60 unless both parents died prior to 60 of the same impairment: heart disease, stroke, cancer or diabetes	Preferred + (select preferred)
	Transamerica	Family history waived for clients ages 60 & older	Preferred
	West Coast Life	Family history can be waived if Client is age 60 or older	Super Preferred
Family History of Heart Disease	AXA Equitable	no more than one death in parents/siblings prior to age 60	Standard Plus
	American General	One cardiovascular death prior to age 60 (parents only)	Standard +
	American General	No cardiovascular death prior to age 60 (parents Only)	Preferred
	Genworth	No more than one parent Death from heart disease prior to 60	Select
	ING	Family History Waived if Client is age 60 or older	Preferred Plus
	John Hancock	No death of a parent or sibling prior to age of 60. Disease OK	Preferred Best
		No more than one death of parent or sibling prior to age of 60 from Coronary Artery Disease	Preferred
		Family History waived for clients ages 71 and over	Super Preferred
	Met Life	No cardiovascular death prior to age 65 (parents only) - Disease OK	Elite +
		No death of a parent or sibling prior to age of 65. Disease OK	Preferred Best
		Family history can be waived if client is age 66 or older	Elite +
	Transamerica	Family history waived for clients ages 60 & older	Preferred
	West Coast Life	Family history can be waived if Client is age 60 or older	Super Preferred
Hepatitis	Banner Life	Hepatitis C	Aggressive
Maternity	Banner Life	Up to 8th month	Preferred +
Mexican Nationals	Prudential	Application and exam done in U.S. Paid with U.S. dollars Best if they have U.S. interests Can not be solicited business in Mexico	Non-smoker +
Tobacco other than Cigarettes	John Hancock	Nicotine in specimen OK	Standard Nonsmoker
	Met Life	no nicotine in specimen	Standard +
	Lincoln National	with nicotine in specimen	Standard Nonsmoker
	Prudential	Nicotine in specimen OK	Non-smoker +

Helpful Underwriting Hints

Topic

Company

Criteria

Rate

Aviation

Blood Pressure

Cancer History

Cholesterol

Cigar

Cigarettes

Diabetes

Family History of Cancer

Family History of Heart Disease

Hepatitis

Maternity

Mexican Nationals

Tobacco other than Cigarettes

Family
History of Cancer

Family
History of Heart Disease