Life Underwriting

Here you will find information to assist you in classifying your clients. The first tab contains a list of carrier-specific underwriting guides. The remaining tabs show general criteria for each of these rating classes.

You can always contact us to discuss a specific case either by e-mail or calling us at +1 800-828-4415.

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.