Preferred Plus: Age <45 – HDL Ratio 4.5 or less, Age 45-69 – HDL Ratio 5.0 or less, Age >70 – Chol. >130 & HDL Ratio 5.0 or less. BP Age < 59 – BP < 135/85, Age 60-69 – BP < 140/85, Age > 70 – BP < 150/90. Preferred NT: Age <45 – HDL Ratio 5.5 or less, Age 45-69 – HDL Ratio 6.0 or less, Age >70 – Chol. >130 & HDL Ratio 6.0 or less. BP Age < 45 - BP < 140/85, Age 45-69 - BP < 140/90, Age > 70 - BP < 155/90.

Preferred Plus (NT): Chol. 120-300 / Ratio May not exceed 4.5 (With or Without Treatment). Currently well controlled with or without treatment, with the average readings in the past 2 years not greater than 135/85. Preferred (NT/T): Chol. 120-300 / Ratio May not exceed 5.5. BP not greater than 140/90. Standard Plus (NT): Chol. 120-300 / Ratio May not exceed 6.5. BP not greater than 145/90. Standard (NT/T): Chol. 120-300 / Ratio May not exceed 8.0. BP not greater than 156/94.

Nontobacco Preferred Plus: Treated cholesterol acceptable. Age 18 to 70: ≤230 and ≤5.0; ≤240 and ≤4.5; ≤250 and ≤4.0. Age 71+: ≤270 and ≤4.5; Must be ≤160 unless treated. BP Age ≤ 55: 140/80, Age 56 to 70: 140/90, Age 71+: 140/90. No blood pressure treatment. Preferred: Age ≤60: ≤250 and ≤5.5, Age 61 to 70: ≤280 and ≤6.0, Age 70+: ≤280 and ≤6.5. BP Age ≤ 55: 145/90, Age 56 to 70: 150/90, Age 71+: 150/90. Treated blood pressure acceptable if well controlled for at least one year.

Preferred Best: Cholesterol: 150 – 300 / HDL Ratio: Male – 4.5 / Female – 4.0. BP Up to age 50: 135/85, Age 51-64: 140/85, Age 65+: 145/90. Preferred: Cholesterol: 150 – 300 / HDL Ratio: Male – 5.5 / Female – 5.0. BP Up to age 50: 140/90, Age 51-64: 145/90, Age 65+: 150/90. Select: HDL Ratio: Male – 6.5 / Female – 6.0. Standard: HDL Ratio: Male – 7.5 / Female – 7.0.

Select Preferred: For ages through 70: Total cholesterol not greater than 275. HDL Ratio: 4.5 or less. For ages over 70: Total cholesterol not lower than 130 untreated & may not exceed 275 with or without treatment. Ratio may not exceed 4.5. BP Thru age 60: 135/85, Age 61-70: 140/85, Age 70+: Average from exam & readings within the last year may not exceed 150/90. Preferred: HDL Ratio: 5.5 or less. BP Thru age 60: 140/90, Age 61-70: 150/90, 70+: 160/95.

Preferred Plus NT: Chol. 120 Minimum / 300 Maximum (Treated/Untreated). Ratio: Male: Maximum 5.0 / Female: Maximum 4.5. BP Up to age 60: 135/85, Age 61+: 140/85. Preferred NT: Ratio: Male: Maximum 5.5 / Female: Maximum 5.0. BP Up to age 60: 135/85, Age 61+: 140/90. Select NT: Ratio: Male: Maximum 6.5 / Female: Maximum 6.0. BP Up to age 60: 140/90, Age 61+: 145/90. Standard NT: Ratio: Maximum 7.0.

Preferred Select: Cholesterol less than or equal to 250 and Ratio 4.5. Allows treatment of cholesterol or BP. Preferred: 1) Up to age 50: Cholesterol less than 270 and Ratio less than 6.0. 2) Ages 50 and older: Cholesterol up to 300 and Ratio up to 6.0 or Cholesterol less than 300 and Ratio less than 5.0. Non-Tobacco Plus: Cholesterol up to 300 and Ratio up to 7.0.

Super Preferred NT: Total Chol. <300, Ratio: 4.5 or less. BP Ages 20-50: 135/85 (Maximum), Age 51+: 140/90 (Maximum). Preferred NT: Total Chol. <300, Ratio: 5.5 or less. BP Ages 20-50: 135/85 (Maximum), Age 51+: 140/90 (Maximum). Std Plus NT/Preferred T: Total Chol. <300, Ratio: 6.5 or less. BP All ages: 140/90 (Maximum).

Preferred Elite/Preferred Plus: Chol. 230, Ratio: age < 70 - 5.0, Ratio age 71+ - 5.5. BP Age < 70: 135/85, Age 71+: 145/85. Through Age 49: Untreated, Age 50-80: Treated if readings fit criteria above, Age 81+: Untreated. Preferred Plus/Preferred NT: Chol. 260, Ratio: age < 70 - 5.5, Ratio age 71+ - 6.0. BP Age < 70: 145/85, Age 71+: 150/90. Preferred/Standard Plus: Chol. 300, Ratio: age < 70 – 6.2, Ratio age 71+ - 6.7. BP Age < 70: 148/88, Age 71+: 152/88.

Preferred Plus: Chol. 300 (Maximum), Ratio: < 5.0 (Treatment allowed). Treatment allowed with good control. Average BP less than or equal to 140/85. Preferred NT: Chol. 300 (Maximum), Ratio: < 6.0 (Treatment allowed). Average BP less than or equal to 145/90. Standard Plus: Chol. 300 (Maximum), Ratio: < 7.0 (Treatment allowed). Average BP less than or equal to 150/90.

Generally, if more than 1 bankruptcy we will not participate (exception would be if it was like 30 years ago and no financial issues since). Filed Chapter 13 and it is more than 6 months from the date the original bankruptcy petition was filed. The applicant has current earned income. There has been no prior bankruptcy. The bankruptcy petition has been accepted by the court. No current treatment or history of psychological, mood or anxiety disorders. Stable family relationship or environment. No current ratable alcohol or drug use.

Term Insurance – Single Bankruptcy: Will not consider coverage until bankruptcy has been discharged for at least 24 months (2 years). Multiple Bankruptcies: Will not consider until most recent bankruptcy discharged for at least 60 months (5 years). Permanent Insurance – Chapter 7: Can consider coverage immediately upon discharge. Chapters 11, 12, 13: Will consider applicants currently in bankruptcy once making regular debt payments. Multiple Bankruptcies: No offer until discharged from last bankruptcy for at least 24 months.

Will consider if fully discharged and then review for purpose, need for insurable loss shown on a case-by-case basis.

Chapter 7: Postpone until discharge and income re-established. Chapter 13: Individual consideration. Required Financial Information: Court-ordered repayment plan, Documentation that payments have been made for at least 2 years, Must qualify financially for amount applies for in all other respects.

Chapter 7: Can offer if there is evidence of stable employment and an established re-payment plan for a minimum of 3-6 months. Chapter 13: There cannot be any history of significant medical impairment, psychiatric disorder, substance abuse, or poor employment prospects. Recent bankruptcy will require a written inspection report and questioning of the client regarding the specifics of the bankruptcy.

A Chapter 7 bankruptcy that has not been discharged is a decline for Nationwide and the Reinsurers. Chapter 11 and Chapter 13 = Individual Consideration. We need to know if a payment plan is in place, face amount must be reasonable, gainfully employed, and financially justified to consider if the terms of the Chapter 11 or 13 bankruptcies have not been fulfilled completely yet.

Chapter 7: Unable to offer until the bankruptcy has been fully discharged for greater than 1 year. Chapter 11: Unable to offer business coverage until bankruptcy discharged for greater than 1 year. May still qualify for personal coverage with personal owner and beneficiary with no waiting period if financially justified. Chapter 12: Individual consideration can be given on cases where we have received details of reorganization/payment plan. Chapter 13: Individual consideration with details of reorganization/payment plan.

Chapter 7: Postpone until after bankruptcy has been discharged 1 year for salaried (W-2) applicants and 2 years for self-employed (no W-2) applicants. Chapter 11: Postpone 1 year from date of the actual discharge. Chapter 12: Postpone 1 year from date of actual discharge. Chapter 13: Can be considered prior to discharge however there is a postpone period from the date the reorganization of debt is approved: 1 year for salaried (W-2) applicants and 2 years for self-employed (no W-2) applicants.

Cases involving bankruptcies will not be considered until the bankruptcy has been resolved and, in some instances, for at least 2 years depending on the current financial and medical stability. Chapter 13 may be considered if it is more than 6 months from the date of the original petition was filed, and all other factors are considered acceptable.

Chapter 13: Will consider present bankruptcy (not discharged, current repayment plan in place) subject to sufficient income, stable employment history, current repayment plan, details of circumstances, total outstanding debt, and review of credit report. We may also ask for tax returns in certain scenarios. Chapter 7 and Chapter 11: Postpone until one year after discharged.

Once a bankruptcy has been discharged coverage can be carefully considered but if applicants cannot meet the following criteria coverage should not be considered for a full two years post the discharge date: Filed Chapter 13 and it is more than 6 months from the date the original petition filing. The applicant has earned income. No prior history of bankruptcy. The bankruptcy has been discharged. The applicant is not under treatment for ratable psychological disorders. The proposed insured has a stable family environment. There is no ratable alcohol or drug use history.

New insurance may be considered (pre-discharge) on an individual using income replacement factors in Chapter 13, after carefully reviewing the total life insurance already in force and applied for, and net available income left after filing. Chapter 13: Individual must have regular employment and amount of debt must not exceed a stated maximum amount. Chapter 7: would postpone until discharged. Chapter 11: would postpone until the restructure plan has received court approval and financial statements demonstrating successful turnaround can be provided. Chapter 12: would handle similarly to Chapter 11. Multiple bankruptcies are subject to 2-5 years postponed period.

Chapter 13: would consider a reasonable amount of coverage if the Proposed Insured is on a repayment plan that also allows the purchase of additional life insurance and if the repayment plan is nearly completed. A copy of the repayment plan is required. For all other bankruptcies would not consider until the bankruptcy has been discharged.

Adult (18+) use 8 or less days per month may qualify for best class. Vaping will be Standard Tobacco rates at best. Use 9-16 days/month: Table B tobacco at best. Use >16 days/month or 4 days/week: Decline. Medicinal Use: APS required (decision will be based on history requiring this prescription). Industry Employees: They will not offer coverage to individuals involved in marijuana businesses even if legal to conduct in the state.

Recreational Marijuana - Smoked or vaporized: Super Preferred Non-Smoker: Occasional, once per month or less. Preferred Smoker: Occasional, up to 2 times per week. Standard Smoker: Regular use, up to 4 times per week. Decline: daily use. Recreational Marijuana - Ingested: Super Preferred Non-Smoker: Occasional, once per month or less. Preferred Non-Smoker: Occasional, up to 2 times per week. Standard Smoker: Regular use up to 4 times per week. Individual Consideration: Regular use, more than 4 times per week. Medicinal Marijuana Use - With prescription card: Preferred Smoker: Smoked or vaporized. Preferred Non-Smoker: Ingested.

Recreational Use: 1-2X per year – Preferred Plus NT. Up to 8x per month – Standard Plus NT. 9 to 15 x per month +50/up. Greater than 15x a month RMD. Oil-Based Vaping Use: Frequency of once per month - Preferred Non-tobacco. Frequency of 2-4 times per month - Standard Non-tobacco. Frequency of 5 or more times per month - DECLINE. Marijuana use with other drugs- decline. Marijuana use with alcohol use decline. E-cigarette use of Marijuana (THC), Cannabidiol (CBD) or Vit E is a Decline. Medicinal use – with medical authorization and current regular medical care is using for a rateable condition: LGA would rate for that condition only. IF taking for a NON-rateable condition: LGA would rate as recreational use.

Recreational Use: Will need to know the frequency of use and any other associated conditions such as alcohol use, other drug use or psychiatric conditions. Social use, up to 3 times per week - Preferred Non-Tobacco rates (No other psychiatric or drug use concerns). Social use up to once a month - Preferred Plus (No other psychiatric or drug use concerns). Medicinal / Prescription Use: The rating will be associated with the underlying medical condition. Industry Employees: Does not allow consideration for any person deriving income from the marijuana business.

Recreational Marijuana Use - Ultra Preferred rates if no history of social or occupational impairment, DWI/DUI/reckless driving, vaping, alcohol and/or other substance abuse and meets preferred point criteria. Ultra Criteria: Age 18-30 less than or equal to 9x/month or less than or equal to 2x/wk. Age 31+ less than or equal to13x/month or less than or equal to 3x/wk. Current Medicinal Use of Marijuana and Use of CBD any form or hemp oil used at any age - the underlying medical condition will be assessed.

Ages 21 and above: Less than or equal to 2 times per week, favorable factors met – best class is available. Must admit to marijuana use on application, no alcohol other drug abuse history, no current use of other drugs of abuse including controlled substances prescribed by a physician, negative hepatitis screen on insurance lab if done, no felonious criminal history, MVR – no multiple violations in the last 3 years. Usage 3 to 6 times per week – Standard Nontobacco. Daily use – Table B Nontobacco. Under age 21– Individual Consideration.

Recreational Use: Consideration based on frequency of use, age, and any evidence of legal/social issues from usage. Medicinal/Prescription Use: Will need to know reason for it. Industry Employees: Unable to consider.

Daily use could be table rated or declined. Clients under Age 21 is postponement. Intermittent -1 time a week (21 and older): Preferred No Nicotine (current use) or PBNN (last used more than 1 year ago). Mild Use - 2 days week or 8 days per month with full disclosure, no HX drug or alcohol abuse (21 and older): Select NN (current) or PBNN (>1 year ago). Moderate Use – 3-4 days per week or 12-16 days per month (21 and older): Standard NN (current) or PBNN (>1 year ago). Heavy Use - 4+ days per week or 16 days per month (21 and older): Table B NN (current) or PBNN (>1 year ago).

Rare use, no more than 1 time per month, eligible for preferred/select preferred, as otherwise qualifies. Experimental or intermittent use, less than 12 days per month, Standard Non-Tobacco. Moderate use, 12-16 days/month: At best Standard Tobacco if smoked. At best Standard Non-Tobacco if ingested or vaped. Heavy use, more than 16 days/month: At best Table 2 Tobacco if smoked. At best Table 2 Non-Tobacco if ingested or vaped.

Admitted - Recreational Use: Under age 18: RNA. Experimental/Occasional use up to 4x monthly (Once a week): Preferred Plus Non-Nicotine. Intermittent use up to 5-11 times monthly: SENN. Moderate use 12 to 16 (3-4x a week): PNIC. Heavy: (16-24x a month): Table B Nicotine. Daily use: IC. Ingestion should be noted as always Non-Nicotine, otherwise treat based on usage (Heavy Table B Non-Nicotine). Vaping MJ: Non-Nicotine rates (Excluding Moderate/Heavy/Daily). Medicinal / Prescription Use: Rate for cause – Use criteria above along with the cause. CBD with No THC: Rate as qualifies. Past use: Experimental/Intermittent/Moderate: After 1 year. Heavy/Daily use: After 2 years +0.

The 'tobacco' definition from 'occasional' and 'intermittent' user categories has been eliminated. Tobacco rates now only apply to co-nicotine use (use of both marijuana and tobacco products). Eligibility for a Super Preferred Non-Nicotine rate classification has expanded. It is now available for clients who are age 26 and above, and may include 'occasional' use candidates. At certain ages, intermittent users can now qualify for a Preferred Non-Nicotine rate class. Usage rates: Occasional/Intermittent: Up to 12 days a month (1 to 2 days a week). Moderate: 12 to 16 days a month. Heavy: More than 16 days a month (3 to 4 days a week). If usage rate is occasional/intermittent and the applicant has provided a full admission, the applicant is eligible for PFD, STD Plus or STD classes regardless of lab results.

Recreational: Smoker vs Nonsmoker dependent on frequency and method of use. Standard to decline, depending on frequency of use. Medicinal: Smoker vs Nonsmoker dependent on frequency and method of use. Standard to decline, depending on reason for use. Preferred may be considered in limited scenarios. Industry Employees: Does not offer coverage on marijuana industry workers and will decline this risk.

Preferred NT & Standard Plus Rates: Experimental, occasional, and intermittent use considered 3-8X monthly & (+0). Preferred NT or Standard Plus rates are NOT available with current treatment for any depressive order, history of unstable environment including employment and lifestyle, history of major accident or motor vehicle offenses, or substance abuse history. CBD Oil use allowed if no debits (+0) for chronic pain. Recreational Use: Under age 18: RNA. Mild use up to 12X monthly: Standard NT. Moderate use up to 16X monthly: Table 2 NT. Excessive use up to 20X monthly: Table 4 NT. Over 20X monthly: RNA. Medicinal / Prescription Use: Rate for cause – generally minimum Table 4 rate class. Industry Employees: Unable to consider these individuals within their internal guidelines.

Each case will be reviewed on a case-by-case basis with consideration depending on severity, medication(s), hospitalization(s) and degree of control and stability. Case consideration will range from Preferred to Decline.

Each case will depend on the severity of the PTSD, how it is treated, medications, outside therapy and if the client is able to work.

Would consider if no functional impairment.

Case by case basis considering severity, response to treatment, complications, and co-morbidities.

Best class possible if there are no suicide attempts, no interference with daily life, and no medications. Otherwise, considered on a case by case basis.

We follow the Hannover Re's Ascent manual. For the LTC rider, we can consider mild PTSD by following the life rating if controlled, no attacks in 3 years, not confined to home, no functional impairment, and no hospitalizations or suicide attempts. Moderate to Severe PTSD is declined.

Individual consideration based on severity of condition; treatment/medications; degree of control and current level of stability.

Consideration depends on severity, treatment/medications, degree of control and stability.

Individual consideration based on severity, treatment, follow up, control of symptoms and stability. Standard may be considered if stable and well controlled. No offer if on disability.

Typically, no better than standard rates but depends on severity, current control and date of diagnosis.

Ratings depend on age and stability. Overall, no better than Non-Tobacco Plus. Most would likely fall in the Table 2-3 range. Condition resolved completely, greater than 5 years since last symptoms and/or treatment, Standard will be considered.

If remains stable, well followed, no history of substance abuse could be considered for standard after 6 months of confirmed stability. GLR credits, for UL product only, ages 20 – 70, could improve the offer to a preferred classification, if otherwise meets the GLR guidelines.

Generally, not better than standard. Rates can range to decline as the severity of the PTSD increases.

If well controlled on meds, doing well, working, etc., can be considered at Standard rates, however, if they are having problems with adjusting, flare ups of depression, on disability, etc., can be highly rated or declined.

Ages: 41-50 Face Amount: $10,000,000. Ages: 51-60 Face Amount: $500,000. Ages: 61+ Face Amount: $100,000

Ages 20-39: $5,000,001+. Ages 40-44: $1,000,001+. Ages 45-49: $1,000,001+. Ages 50-55: $250,001+. Ages 56-59: $100,000+. Ages 60-66: $100,000+. Ages 67-70: $50,000+. Ages 71+: $50,000+

Underwriters look at echocardiogram (ECHO) findings to decide which elevated p-BNP values are significant when considering mortality risk on applicant.

Test is automatically added on proposed insured that is over age 60. Additionally, will test any specimen for known cause.

Will test as part of routine guidelines for applicants 51 and older when face amounts are $250,000 and above. Will test for all ages 41 and up starting at $2.5M and on all cases over $10M ages 15 and up.

Will reflex on blood profile ages 50+

NTproBNP will be included on the blood profile for: Ages 41 - 50 AND Policy Amount > $2,000,000. Ages 51 and older

Ages 18-40: $5,000,001 on up. Ages 41-50: $1,000,001 on up. Ages 51-60: $500,001 on up. Ages 61-70: $250,001 on up. Ages 71+: all amounts. All ages: $10,000,001 on up

Will require test for ages 51-60 on $500,001+. Will require test for ages 61+ on all face amounts.

NT-ProBNP markers will run on all fully underwritten applicants ages 50 and up.

Will test as part of routine guidelines.

Tested as Age / Amt requirement for: Ages 61-70 / $750,001+. Ages 71+ / $250,000+

Private Pilot: Best Class Available – WITH exclusion rider: Preferred Plus. Best Class Available – WITHOUT exclusion rider: Standard Plus with a flat extra rating; Standard NS if no flat extra is needed. Student Pilot: Best Class Available – WITH exclusion rider: Preferred Plus. Best Class Available – WITHOUT exclusion rider: Standard Plus with a flat extra rating of $2.00 per M. Commercial Pilot: Best Class Available: Preferred Plus with exclusion rider on Regularly scheduled flights on major airlines.

Pilots for a major airline flying in the US and Canada only and no other aviation exposure – Preferred Plus. Corporate pilots-if plane is company-owned, maintained at same standards as commercial aircraft, pilot with ATR or commercial license with IFR, flying in US and Canada only – Preferred Plus. Private pilots (flying in US and Canada ONLY): Student pilots, at best Standard Plus with additional $2.00 per $1,000. Licensed pilots over 100 solo hours – Standard Plus. Flying more than 200 hours per year – likely $2.50 per $1,000. Flying into Mexico - $2.50 per $1,000.

Super Preferred: No participation within the last 12 months. Preferred: 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. Standard Plus: Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra will be applied. Minimum issue age: 21 / Maximum issue age: 74 (age 70 for student pilots). Aviation exclusion will apply when maximum mortality or age is exceeded on individual policies / Maximum rating considered insurable with aviation: 200%.

Student pilots, pilots with less than 100 hours of solo experience or pilots flying less than 25 hours annually: $2.50/M. Private pilots with 100 or more hours solo experience vary by total experience and annual flying hours. Preferred Plus and Preferred rate class only available with aviation exclusion rider. Commercial airline pilots flying for a commercial airline with regular scheduled flights may get Pref. Plus and Pref. rate without exclusion rider or flat extra. Private pilots over age 70 require an aviation exclusion rider.

Preferred consideration is for Private Pilots and Commercial Non-Airline (Corporate) Transport: No ratable avocations or occupations, Instrument Flight Rating or has at least 1000 hours of flying time, Flies between 25 and 250 solo hours per year, Under age 70, Clean MVR, Flies only in the US and Canada, Meets all other preferred criteria. Commercial Pilots may qualify for Preferred Plus rates if they fly for regularly-scheduled US-based commercial airlines.

Private Aviation: Lifetime hours <100 or Student Pilot: $3.00. Lifetime hours > 100: <25 annual hours - $2-3.00 FE depending on age. 26-250 annual hours age 20-25 $2.50 FE. 26-250 annual hours age 26-70 may be preferred eligible without FE. Over 250 hours contact underwriting. Ages <20 or >70 require an AER.

Preferred Plus, Preferred and Standard Plus risk guidelines: Non-Tobacco Preferred Plus 18+: Commercial pilots are eligible if they participate in no other forms of aviation activity; all other forms of aviation are ineligible. Preferred and Standard Plus 18+: Commercial pilots are eligible if they participate in no other forms of rated aviation activity; all other nonrated forms of aviation are eligible. Preferred Plus and Preferred risk guidelines for Whole Life: No rating for aviation. A civil aviation exclusion can be used with possible consideration for Preferred and Preferred Plus if the rest of the case qualifies.

Will consider Preferred (without a flat extra or Aviation Exclusion Rider) for private pilots who: Hold an Instrument Flight Rating (IFR), Fly for personal/pleasure only, Fly 26-150 hours per year (No business flying for pay), Fly a plane built by an aircraft corporation, Are between the ages of 20 and 70. Commercial airline pilots (passenger or freight) who do not fly privately for pleasure can qualify for our Preferred Best rate without a flat extra, assuming the applicant otherwise qualifies for Preferred Best.

We utilize two different manuals to determine the best possible rate available so ratings can vary based on specific scenarios. Student pilots: Standard (Preferred is not available) if within retention. Qualified pilots: Total solo hours less than 300 with expected annual flying hours up to 100 = +0/Standard (No Preferred), 101-250 = $2 per thousand, over 250 = $3 per thousand. Total solo hours greater than or equal to 300 hours with expected annual flying hours up to 200 = +0/Standard (No Preferred), 201-350 = $2 per thousand, over 350 = $3 per thousand.

Private aviation is normally standard after a pilot completes 100 hours of flying time. Student pilots or pilots with less than 100 hours of solo flying experience: $2.00 per thousand extra premiums. Private pilots – Solo flying experience less than 300 hours: Flying less than or equal to 100 hours annually: Standard, Flying 101 to 250 hours annually: $2.00/1000, Flying over 250 hours annually: $3.00/1000 up. Private pilots – Solo flying experience greater or equal to 300 hours: Flying less than or equal to 200 hours annually: Standard, Flying 201 to 250 hours annually: $2.00/1000, Flying greater than 250 hours annually: $3.00/1000 up.

Preferred Select: Minimum of 250 hours total experience/Minimum of 50 hours annually/Maximum of 250 hours annually. Must hold an IFR, no ratable aviation activity, no history of aviation accident or violation, clean medical history, clean MVR, flying primarily in the continental US and Canada. Preferred & Non-tobacco Plus: All pilots are eligible depending on their experience and aviation activities. All pilots considered if 100 or more total hours and flying between 25 and 250 hours annually. Standard: Student Pilots or Low-Proficiency Pilots: Standard with $2.50 flat extra.

Super Preferred NT: No private aviation. Preferred Non-Nicotine & Standard Plus Non-Nicotine/Preferred Nicotine – Available if over 100 solo hours, 750 hours of total flight time, IFR, averages 25-250 hours per year, flies in US and Canada only, ages 70 and under, clean MVR.

Aviation (Paid): Commercial pilot, passenger or freight flying within the US or Canada – Standard (Preferred possible - Yes), Corporate Pilot: Standard (Preferred possible - Yes), Other: $2.50 to $10.00 flat extra. Aviation (Private): Student pilot or <75 solo hours - $3.00 flat extra; Qualified pilot – standard to $3.00 flat extra (rating determined by client age, number of hours flown, and total flying experience).

Preferred Plus: No flying as a private pilot or crewmember unless aviation exclusion. Preferred: No flying as a private pilot or crewmember unless aviation exclusion. Standard Plus: No flying as a private pilot or crewmember unless aviation exclusion (IFR private pilots allowed if standard). Some types of commercial aviation may be acceptable based on manual guidelines. Certain private pilots may qualify for Preferred or Standard Plus risk classes: Ages 30-70, Minimum 1,000 total hours of piloting experience and flying between 50-250 hours annually, IFR/ATP rating, No FAA violations within the past 5 years and must be a STD aviation risk.

Preferred Plus: No cardiovascular or cancer death of a parent or sibling prior to 60. Disregard gender-specific cancers of the opposite sex, except for breast cancer. Preferred: No more than 1 cardiovascular or cancer death in a parent prior to 60. Disregard gender-specific cancers of the opposite sex, except for breast cancer. Standard Plus: No specific criteria.

Preferred Plus NT/Preferred NT: No death from cardiovascular disease or cancer (colon, lung, melanoma, pancreatic) in either parent prior to age 60. No death from breast, ovarian, prostate cancer in parent of same sex prior to age 60. Standard Plus NT (Term Only): 1 death from cancer or cardiovascular disease in either parent before age 60. 1 death from breast, ovarian, prostrate cancer in parent of same sex prior to age 60. Preferred T: No death from cancer or cardiovascular disease in either parent prior to age 60.

No knockout criteria. We take a 'Total View' approach when considering risk factors, which allows us to look at the bigger picture when evaluating potential clients.

Preferred Plus: No cardiovascular death in either parent or sibling before age 60. Preferred: No cardiovascular death in either parent before age 60. Standard Plus: No cardiovascular death of more than one parent before age 60. Standard: No cardiovascular death of more than one parent before age 60.

Preferred Plus NT: Up to age 69 – No deaths of parent or sibling prior to age 65 due to cardiovascular disease. Preferred NT: Up to age 69 – No deaths of parent or sibling prior to age 60 due to cardiovascular disease.

No knockout criteria. We take a 'Total View' approach when considering risk factors, which allows us to look at the bigger picture when evaluating potential clients.

Nontobacco Preferred Plus: No death prior to age 60 in a parent or sibling from cardiovascular disease or cancer. Preferred: No death prior to age 60 in a parent or sibling from cardiovascular disease or cancer. Standard Plus: One death prior to age 60 acceptable in a parent or sibling from cardiovascular disease or cancer.

Preferred Best: Age 0-64 - No family deaths from heart disease, hypertension, cancer, or diabetes under age 50 in parent or siblings; no two deaths under age 60 from same list. Breast cancer in mother will not preclude preferred best for male, nor will prostate cancer disqualify female. Preferred: Same criteria as Preferred Best. Select: Same criteria as Preferred Best.

Select Preferred: underwriting criteria will no longer factor in whether a client's parent or sibling had an incidence of cancer, heart disease or cardiac condition prior to age 60 — only whether they died prior to age 60. Preferred: No death from cancer, heart disease, or any cardiac-related condition, of either natural parent or sibling prior to age 60. Waived if the applicant is actual age 60 or older unless both natural parents died from one of the same preceding impairments prior to age 60.

Preferred Plus NT: No CVD or cancer in parent/siblings prior to age 60 – waived if insured is 65 or older and meets all other preferred plus criteria. Preferred NT: No death in parent prior to age 60 due to CVD or cancer – waived is insured is 65 or older and meets all other preferred criteria. Select NT: Not more than one CVD or cancer death in parents prior to age 60. Standard NT: More than one CVD death in parents prior to age 60 (individual consideration). Preferred T: No death of parent or sibling, prior to age 60, of CVD or familial cancer. Standard T: More than 1 CVD death in parents (individual consideration).

Preferred Select: No death of a parent or sibling before age 60 due to coronary artery disease, cerebrovascular disease or cancer of breast, colon, ovary, pancreas, prostate, stomach, melanoma. Preferred: No death of a parent or sibling before age 60 due to coronary artery disease or cerebrovascular disease. Non-Tobacco Plus: No more than one death of a parent or sibling before age 60 due to coronary artery disease or cerebrovascular disease.

Super Preferred NT: No death of parent or sibling prior to age 65 from heart disease, coronary artery disease or cancer. Preferred NT: No death of parent or sibling prior to age 60 from heart disease or coronary artery disease. Standard Plus NT/Preferred T: No death of parent or sibling prior to age 60 from heart disease or coronary artery disease.

Preferred Elite (IUL) & Preferred Plus (Term): No family deaths before age 65 of either parent or sibling. Disregard if Proposed Insured is age 65 or older. Preferred Plus (IUL), Preferred (IUL/UL/Term) & Standard Plus (Term): No family deaths before age 60 of either parent. Disregard if Proposed Insured is age 60 or older. Family History: Includes cardiovascular disease or the following cancers: breast, ovarian, lung, melanoma, prostate & colon.

Preferred Plus: No death of a parent prior to age 60 due to cancer or heart disease. Preferred: No death of parent prior to age 60 due to cancer or heart disease. With good risk factors and negative cardiac work up appropriate for age group, one cardiac death allowed. Standard Plus: One death of parent prior to age 60 due to heart disease.

All cases will be looked at on an individual basis: Variables that will be taken into consideration include type of diabetes, age of applicant, gender, age at diagnosis (duration of disease), current control (A1C), what complications (if any), any comorbid conditions (if any), other lab results, etc.

All our diabetes cases are handled on a case-by-case basis. Automatically declined if Diabetes is significantly complicated (i.e., amputation, etc.) or very poor control. Do not routinely order an APS. Diabetes Type 1: usually requires an APS.

The younger the age at application and the more severe the course of the disease, the higher the ratings. Gestational diabetes may be Preferred if insulin is not required, and pregnancy has no complications. Type 1: Best Case: Excellent control, no complications: 150% over age 50. Typical Case: 200% depending on the age and control. Worst Case: Complications, poor or uncontrolled: Decline. Type 2: Best Case: Standard Plus if age 50 and over, excellent control, no complications and treated by diet and oral medication only. Best Case: Preferred if age 60 and over, excellent control, no complications, and treated by diet or oral medication only. Typical Case: Standard to 150%. Worst Case: Decline.

Diabetes mellitus (adult onset) - We look for the best possible impaired risk for clients with Type I. Depending on each case, clients can be anywhere from a Standard Plus to a Decline. Type II Diabetes - Clients with controlled - Standard Plus Consideration. The base rate varies on type (I or II) along with the age of onset. Credits available for favorable A1c and lipid values. Best possible offer on any diabetes history is Standard Plus.

All cases will be looked at on an individual basis. Things taken into consideration are age of onset, level of control (A1C) and if any related complications or comorbid issues exist, such as obesity, smoking, CAD, etc. Allow coverages at diagnosis starting at age 10, though highly rated. Any diagnosis under age 10 is 'individual consideration'. Preferred Plus – Not available. Preferred: Age > 70 years AND type 2, duration < 3 years AND Oral medications or diet controlled AND Average hemoglobin A1c < 6.4% over past 12 months AND Current urinalysis negative and no history of proteinuria AND No history of retinopathy no neuropathy AND Blood pressure well controlled AND Favorable cardiac workup within past 2 years AND Lipids meet Preferred criteria. Gestational Diabetes (GDM) can be considered for Preferred classes so long as GDM completely resolved after pregnancy AND the current BMI is under 30.

Diabetes rate classification depends on Type I or Type II, years since diagnosis, current age, treatment, measure of blood sugar control historically and currently with review of medical records. Historical and current labs to include HgbA1C and kidney function to include serum creatinine and blood urea nitrogen. Combination of any diabetic complications i.e. nephropathy, neuropathy, retinopathy, obesity, peripheral artery disease, cerebrovascular disease, or coronary artery disease can result in a substandard consideration. Good control A1c <7.0 without complications may qualify for Standard. Moderately controlled diabetics A1c >7 may warrant low to moderate substandard ratings. Poorly controlled diabetics A1c 9 or higher with or without complications may warrant highly substandard ratings or decline.

We follow the Hannover Ascent manual. Normally the best-case scenario is Standard. If the proposed insured meets the following parameters, Preferred Non-Tobacco rates may be considered if otherwise qualifies: Type 2 only, non-insulin dependent, Age of onset > 65, Recent onset and diagnosis made at MD office within last 3 years, HgA1c < 7.0 at diagnosis and since; well managed by diet, exercise and/or metformin only, Must be on treatment with a statin unless LDL is < 100, Negative screening by CAC scan (CAC <10) or CT angiogram, No evidence of end organ damage, BMI <30 or >18.5, Non-tobacco, BP average for last year is <120/80. Gestational Diabetes: Women with a history of Gestational Diabetes, with no indications of diabetes after pregnancy, normal serum and urine glucose and normal A1c, STD+ is best rating.

Type 1 — Insulin dependent, with no coronary/vascular history - Will consider with full underwriting. Type 2 — Non-insulin - Will consider for expedited underwriting.

Most Favorable Class Available for Non–nicotine Users: Varies by severity and control. Standard may be available for type 2 if over age 50 with optimal control and no complications. Decline Probable: Pregnant and has gestational diabetes (For gestation diabetes may order supplemental health history questionnaire in lieu of an APS). APS Required for all cases (not required if probable decline).

Diabetes rate classification depends on Type I or Type II, age of onset, current age, medication, measure of control historically and currently with review with review of medical records and current labs to include HgbA1C and combination of any diabetic complications i.e.: tobacco use, build, hypertension, proteinuria, neuropathy, nephropathy, retinopathy, peripheral vascular disease, cerebrovascular disease, or cardiovascular disease. Older age applicants, onset age of 5 or less years ago, A1C can be up to 6.9 for possible standard. Good control with no complications may qualify for Standard. Moderately controlled diabetics may warrant low to moderate substandard ratings. Poorly controlled diabetics with or without complications may warrant highly substandard ratings or decline.

Swiss Re Manual is used

All diabetic risks require full underwriting. Swiss Re manual is utilized for basic diabetes classification. On a case-by-case basis, Non-Tobacco Plus or Preferred may be available and are dependent upon age, type, date of onset, history of control, and other factors. Gestational: GDM and currently pregnant is a postpone. Otherwise, Standard up to Preferred-Select may be available and is dependent upon age, number of instances, measured height and weight, family history, and other factors.

All cases are reviewed on a case-by-case basis. Age of onset, level of control, smoker status, and medical history may impact the ultimate assessment. Control credits may be available for favorable A1C. The GLR program can be applied for IUL products only, ages 20 – 69, if otherwise meets GLR criteria.

All products. Factors include current age, age at diagnosis, level of control, associated complications.

Type I, Age 21+ = Table 2 to 8...If a higher rating is assessed = Declination. Type 2, Age 21+ = Standard to Table 8...If a higher rating is assessed = Declination. All products available - Factors include current age, age at diagnosis, level of control, associated complications. Mutual of Omaha's decisions for diabetics are based on 'Ascent manual pricing'.

Preferred Plus: No DUI/DWI or reckless driving for 5 years. No moving violations >2 in 5 years. Preferred: No DUI/DWI or reckless driving for 5 years. No moving violations >2 in 3 years. Standard Plus: No DUI/DWI for 5 years and not ratable for driving history. Ages 61+: No DUI/DWI for 5 years.

Preferred Plus: No more than 2 moving violations in 5 years, and no DUI, reckless operation, revocation or suspension in last 5 years. Preferred: No DUI, reckless operation, revocation or suspension in last 5 years. Standard Plus: No DUI, reckless operation, revocation, suspension in last 3 years.

DUI's- two or more in last 5 years, decline. Two DUI's – declined 3 years from last event (over age 25). More than 3 moving violations in the last 3 years, no DUI history – add $2.50 per $1,000 or more. More than 3 moving violations in the last 3 years, with single DUI history, age 35 and up – add $3.50 per $1000 or more, decline if over age 65. Single DUI > 3 years ago, no other violations, possible standard (with no other related history). Single DUI > 7 years ago, no other violations, possible preferred plus (with no related history).

Super Preferred: No driving while intoxicated or reckless driving conviction within the last 10 years and no more than one conviction ever. Preferred: No driving while intoxicated or reckless driving conviction within the last 5 years and no more than one conviction ever. Standard: No more than 1 driving while intoxicated conviction or reckless driving conviction within the past 5 years.

Preferred Plus NT & Preferred NT/T: No more than 2 moving violations in last 3 years. No DWI, DUI, reckless negligent driving, license revocation or suspension in last 5-years. Standard Plus NT: No more than 3 moving violations in last 3 years. No DWI, DUI, reckless negligent driving, license revocation or suspension in last 3 years. Standard NT/T: No more than 4 moving violations in last 3 years. No DWI, DUI, reckless negligent driving, license revocation or suspension in last 2 years.

Preferred Plus & Preferred: No more than three non-ratable moving violations in the past 3 years, No DUI or license suspension in the past 5 years.

Ultra & Select Preferred: No more than 2 moving violations within the past 3 years and no DUI in past 5 years.

Non-Tobacco Preferred Plus: No more than one moving violation in the past 3 years; no DUI/DWI conviction in the past 5-years. Preferred Plus: No more than two moving violations in the past 3 years; no DUI/DWI conviction in the past 5-years. Standard Plus: No rating; No DUI/DWI in the past 3 years for ages 21+. Otherwise, no rating.

Super Preferred / Preferred NT & Preferred T: No more than two moving violations in the past 3 years. No DWI, DUI, or reckless driving conviction or non-administrative license suspension in the past 5 years.

Preferred Best: No DWI, DUI, reckless driving, license revocation or suspensions in the last 5 years. Preferred: No DWI, DUI, reckless driving, license revocation or suspensions in the last 5 years. Select: No DWI, DUI, reckless driving, license revocation or suspensions in the last 3 years. Standard: No DWI, DUI, reckless driving, license revocation or suspensions in the last 2 years.

Select Preferred: No more than one moving violation in the last three years. No DUI or reckless driving in the last five years. Preferred: No more than two moving violations in the last three years. No DUI or reckless driving in the last five years.

Preferred Plus: No more than 1 DUI violation, no DUI or reckless driving in last 5 years, no more than 2 moving violations in last 3 years; no license suspension in last 3 years, individual consideration. Preferred: No more than 1 DUI violation, no DUI or reckless driving in last 5 years, no more than 2 moving violations in last 3 years; no license suspension in last 3 years, individual consideration. Select: No DUI in last 5 years and no more than 3 moving violations in last 3 years. Standard: No DUI in last 2 years and no more than 3 moving violations in last 3 years.

Preferred Select: No DWI, DUI or reckless driving in the past 10 yrs. No more than 2 moving violations in the past 5 yrs. Preferred: No DWI, DUI or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years. Non-Tobacco Plus (not available on all products): No DWI, DUI or reckless driving in the past 3 years. No more than 2 moving violations in the past 2 years.

Super Preferred/Preferred Non-Nicotine: No more than 2 moving violations in past 3 years. No DWI in 10 years. Standard Plus Non-Nicotine/Preferred Nicotine: No more than 3 moving violations. No DWI in 5 years.

DUI/Reckless driving: None in the past 5 years. DUI: <1 year since violation, all ages = decline. DUI (age 21 and up): 1-2 years - $2.50 - $3.50 flat extra (preferred not possible), 2-4 years – standard to $2.50 flat extra, >4 years – standard. Multiple DUI within 4 years: Decline. Under age 21 at time of violation: Decline for 4 years from violation.

Preferred Plus: No convictions for DWI, DUI or reckless driving within the last five years and otherwise not ratable. Preferred: No convictions for DWI, DUI or reckless driving within the last five years and otherwise not ratable. Standard Plus: No convictions for DWI, DUI or reckless driving within the last five years and otherwise not ratable.

If the applicant is in good health and has an uncomplicated pregnancy, she can be considered. Each case is considered individually. If any complications are known, we would not want to consider until after delivery and recuperation.

Will consider if there are no complications with the current pregnancy or history of complications with previous pregnancies.

Will consider applicant during any stage of pregnancy assuming there are no complications. The cholesterol/HDL ratio will be used during pregnancy and for 6 months following delivery. Pre-pregnancy weight will be used during pregnancy and for a period of 6 months following delivery. Gestational Diabetes - If history of or currently have while pregnant, assuming no complications we will rate them as a type 2 diabetic with possible credits for favorable control. Gestational Diabetes history, if currently pregnant and treated with insulin, postponed until after delivery.

If the applicant is in good health, she will be underwritten as any other normal case. If the applicant has had complications with a previous pregnancy or has any other existing conditions that could cause complications, they need to be investigated further to determine if we will accept the case. Information such as the applicant's pre-pregnancy weight may be asked for to provide the most favorable risk class possible.

Will be considered on a case-by-case basis if there are no current complications and/or complications on prior pregnancies. Proposed insured is not having triplets or greater. Proposed insured is less than 45 years old. There is no evidence of lack of regular prenatal care. Postponed situations: current pregnancy with history of pre-eclampsia.

Will underwrite as usual in any stage of current pregnancy if the current pregnancy is not high risk, with no complications, and no history of complications with a prior pregnancy. If high risk, or any history of pregnancy complications, we would postpone until after childbirth. If a proposed insured is currently pregnant, Lincoln uses pre-pregnancy weight for BMI/build assessment.

Can consider for coverage at any stage of pregnancy assuming no complications. Build will be calculated using pre-pregnancy weight.

Those currently pregnant with a history of high-risk pregnancy or ongoing diagnosis of the following will be postponed until 45 days postpartum and released from physician's care. (Advanced maternal age 45+, Depression, Diabetes, Eclampsia/Toxemia, Embryo Transfer, Gestational Diabetes, HELLP Syndrome, High Risk Pregnancy, Hypertension-PIH, Multiple Gestation, Pre-Eclampsia, Treatment of chronic illness changed/stopped due to pregnancy, Underweight). If a proposed insured is in her last trimester, underwriting can proceed unless the proposed insured has known complications. Women with a history of Gestational Diabetes, with no indications of diabetes after pregnancy, normal serum and urine glucose and normal A1c, STD+ is best rating.

Will consider it on a case-by-case basis if client is under 40 and pregnant. If not acceptable, this would be postponed.

Will consider if there are no complications with the current pregnancy or history of complications with previous pregnancies.

If the applicant has no complications with the pregnancy or history of complicated pregnancies she can be considered.

Will consider applicant if pregnant with no complications. History of gestational diabetes, history of postpartum depression, pregnant with triplets - all postpone until 6 weeks postpartum. Pregnant with twins, rate as qualifies.

Will be considered on a case-by-case basis. If the applicant has no complications with the pregnancy, she can be considered. Preferred classes may be available if meets published Preferred/Preferred-Select criteria.

If applicant is in good health and there are no complications, can be considered at any class she otherwise qualifies for. If there were a significant medical history (to include gestational diabetes) or complications with the pregnancy, most likely would not consider until after delivery and full recovery.

Will be considered on a case-by-case basis. If there are any pregnancy complications or concerns of high risk due to age over 35, multiple gestation, history of complications in prior pregnancies, history of chronic illness such as cardiac, pulmonary or diabetes or gestational diabetes the case could be limited to standard to possible postpone. Living Benefits (Trendsetter LB and FFIUL with Living Benefits) are not available during pregnancy.

Current pregnancies without complications can be considered for up to Preferred Plus rate. Pre-pregnancy weight can be used for risk classification during pregnancy and for up to 3 months after delivery in most cases. A history of pregnancy with complications can usually be disregarded with a current pregnancy that is normal. Current pregnancy with multiple births expected will be 'Individual Consideration'. Complications with current pregnancy are 'Individual Consideration', except for Gestational Diabetes which is a Postpone. With Cyanotic Heart disease, Eisenmenger's Syndrome, primary pulmonary hypertension, Marfan's Syndrome with dilated Aortic Root, Dilated Cardiomyopathy, Moderate/Severe Mitral Stenosis = Postpone until 6 weeks post-partum with appropriate evaluation by OB.

Private Pilot: Best Class Available – WITH exclusion rider: Preferred Plus. Best Class Available – WITHOUT exclusion rider: Standard Plus with a flat extra rating; Standard NS if no flat extra is needed. Student Pilot: Best Class Available – WITH exclusion rider: Preferred Plus. Best Class Available – WITHOUT exclusion rider: Standard Plus with a flat extra rating of $2.00 per M. Commercial Pilot: Best Class Available: Preferred Plus with exclusion rider on Regularly scheduled flights on major airlines.

Pilots for a major airline flying in the US and Canada only and no other aviation exposure – Preferred Plus. OTHER AVIATION: Aviation Exclusion Rider (AER) will apply if driving history is rated. Preferred Plus: Corporate pilots-if plane is company-owned, maintained at same standards as commercial aircraft, pilot with ATR or commercial license with IFR, flying in US and Canada only. Private pilots (flying in US and Canada ONLY): Student pilots, at best Standard Plus with additional $2.00 per $1,000. Licensed pilots over 100 solo hours – Standard Plus. Flying more than 200 hours per year – likely $2.50 per $1,000. Flying into Mexico - $2.50 per $1,000.

Super Preferred: No participation within the last 12 months. Preferred: 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: With a flat extra or aviation exclusion may be available. Standard Plus: Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra will be applied. Minimum issue age: 21 / Maximum issue age: 74 (age 70 for student pilots). Aviation exclusion will apply when maximum mortality or age is exceeded on individual policies. Maximum rating considered insurable with aviation: 200%.