Life Underwriting
You can always contact us to discuss a specific case either by e-mail or calling us at +1 800-828-4415.
Ameritas Underwriting Guide
Exam One – Instructions on Exam Prep
John Hancock Underwriting Guide
LGAmerica Banner/Wm Penn Underwriting Guide
Mutual of Omaha DI Build Chart
Mutual of Omaha Underwriting Guidelines
Protective Underwriting Build Chart
Protective Undewriting Guide
PLEASE NOTE: THESE ARE ONLY GENERAL GUIDELINES AND ARE NOT CARRIER SPECIFIC
To obtain company specific information, please use our underwriting search engine or give us a call at +1 (585) 273-8530 ext 3003.
Non-smoker rates usually require no nicotine use for 36 months.
- Impairments
- No ratable health impairments.
- Blood Pressure
- No current or history of blood pressure treatment. No current or history of blood pressure readings in excess of: 150/90 (Age 60 or Younger), or 154/90 (Age 61 or Older)
- Family History
- No cardiovascular disease in either parent before age 60.
- Driving History
- Higher class rates or flat extra applies if 2 or more moving violations in the last 2 years, or any DUI in the last 5 years.
- Cholesterol
- Maximum reading of 230. (If all other criteria are met 250 may be accepted.)
- CHOL/HDL Ratio
- The Cholesterol/HDL ratio cannot exceed 6.5.
- Alcohol/Substance Abuse
- No current or history of alcohol or substance abuse.
- Cancer History
- No cancer history allowed except certain skin cancers.
- Private Aviation
- Covered only with a flat extra, otherwise excluded.
- Avocation
- Covered but may require a flat extra.
- Build
- See Build Chart* below.
| Height | Weight |
|---|---|
| 5’0″ | 161 |
| 5’1″ | 165 |
| 5’2″ | 170 |
| 5’3″ | 175 |
| 5’4″ | 180 |
| 5’5″ | 185 |
| 5’6″ | 190 |
| 5’7″ | 195 |
| 5’8″ | 200 |
| 5’9″ | 205 |
| 5’10” | 210 |
| 5’11” | 216 |
| 6’0″ | 222 |
| 6’1″ | 229 |
| 6’2″ | 236 |
| 6’3″ | 243 |
| 6’4″ | 250 |
| 6’5″ | 257 |
| 6’6″ | 264 |
| 6’7″ | 272 |
| 6’8″ | 280 |
| 6’9″ | 288 |
| 6’10” | 296 |
| 6’11” | 305 |
- If all other criteria are Preferred, add 10 pounds to the weight maximum.
- Specific risk characteristics included in these guidelines var between carriers.
- Some underwriters may offer more liberal criteria while others may be more restrictive.
- Other factors not addressed by these guidelines could prevent an applicant from qualifying for Standard as determined by the underwriter.
PLEASE NOTE: THESE ARE ONLY GENERAL GUIDELINES AND ARE NOT CARRIER SPECIFIC
To obtain company specific information, please use our underwriting search engine or give us a call at +1 (585) 273-8530 ext 3003.
Standard rates are offered to a wide group of applicants who meet the following criteria.
Non-smoker rates usually require no nicotine use for 36 months.
- Impairments
- No ratable health impairments.
- Blood Pressure
- Currently controlled and average reading in past two years does not exceed:
150/90 Age 45 or Younger
155/95 Ages 46-60
160/95 Age 61 or Older - Family History
- Not more than one cardiovascular death in parents before age 60.
- Driving History
- Higher class rates or flat extra applies if 2 or more moving violations in the last 2 years, or any DUI in the last 2 years.
- Cholesterol
- Ratings apply if cholesterol is over 300.
- CHOL/HDL Ratio
- The Cholesterol/HDL ratio cannot exceed 8.0.
- Alcohol/Substance Abuse
- No current alcohol or substance abuse or history within seven years.
- Build
- See Build Chart* below.
| Height | Weight |
|---|---|
| 5’0″ | 189 |
| 5’1″ | 193 |
| 5’2″ | 197 |
| 5’3″ | 204 |
| 5’4″ | 209 |
| 5’5″ | 215 |
| 5’6″ | 220 |
| 5’7″ | 225 |
| 5’8″ | 230 |
| 5’9″ | 235 |
| 5’10” | 242 |
| 5’11” | 251 |
| 6’0″ | 256 |
| 6’1″ | 263 |
| 6’2″ | 271 |
| 6’3″ | 279 |
| 6’4″ | 286 |
| 6’5″ | 293 |
| 6’6″ | 300 |
| 6’7″ | 307 |
| 6’8″ | 316 |
| 6’9″ | 325 |
| 6’10” | 333 |
| 6’11” | 341 |
- If all other criteria are Preferred, add 10 pounds to the weight maximum.
- Specific risk characteristics included in these guidelines var between carriers.
- Some underwriters may offer more liberal criteria while others may be more restrictive.
- Other factors not addressed by these guidelines could prevent an applicant from qualifying for Standard as determined by the underwriter.
Help us help you!
Upstate can help you find the best possible rating for most medical and non-medical impairments from our wide array of carriers. By finding out some basic medical information from your client in advance, you allow us to provide you a fast and accurate tentative quote. You may call us about each case at +1 800-828-4415, ext. 3003 or ext. 3009 for a phone quote or send us a Confidential Trial Application with your client’s signature. Completed Trials generate the best quotes because physicians records can be requested. This form may be printed from this website, completed with your client and mailed or faxed (585) 273-8540 to us for immediate handling.