State
Life
Product
Information top
Lifestyle Level Term
Aggressive Underwriting Guidelines for Standard and Impaired Risk Clients
Impaired Risk Guidelines:
- Ages: 18-75 Through Table 8
Table ratings are 25% per table and are fully commissionable.
- Minimum Face Amount: $100,000
- Benefit period guarantees of 10,15, and 20 years depending
on the clients age and tobacco use.
Rate Classes:
Non-Tobacco: No cigarettes in the past 12 months and urine contains less than0.5
mgs. continine (nicotine).
Tobacco: Smoked cigarettes in the past 12 months or urine contains 0.5 mgs. or
more continine (nicotine) currently or at any time in the past 12 months.
Other nicotine products: are considered Non-Tobacco only if the urine contains
less than 0.5 mgs. continine (nicotine) regardless of amount used. Riders:
- Waiver of Premium
- Child Term Rider
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