Common factors that automatically require additional underwriting include the following:
•Applicants over age 70
•Face amounts above $200,000 for ages 18-45, above $150,000 for ages 46-60 and above $100,000 for ages 61-85
•Height and weight outside of allowable limits (see table below)
•History of bankruptcy in the last 2 years
•DUI or reckless driving charges in the last 2 years
•Prior felony conviction
•High-risk activities or hobbies like private aviation or skydiving
•Prescription drugs taken for, or a history of certain health condition can trigger additional underwriting, including the following:
|
o AIDS/HIV |
o Multiple Sclerosis (MS) |
|
o Cancer |
o Heart disease |
|
o Chronic pulmonary disease |
o Parkinson’s Disease |
|
o Kidney disease |
o Stroke |
|
o Bipolar disorders |
|
|
UNINSURABLE HEIGHT / WEIGHT BUILD CHART (applicants with weight exceeding the maximum are uninsurable) | ||||
|
Height |
Maximum Weight (lbs.) |
|
Height |
Maximum Weight (lbs.) |
|
4’8” |
205 |
5'9" |
311 | |
|
4’9” |
212 |
5'10" |
320 | |
|
4'10" |
220 |
5'11" |
330 | |
|
4'11" |
228 |
6'0" |
339 | |
|
5'0" |
235 |
6'1" |
349 | |
|
5'1" |
243 |
6'2" |
358 | |
|
5'2" |
251 |
6'3" |
368 | |
|
5'3" |
259 |
6'4" |
378 | |
|
5'4" |
268 |
6'5" |
388 | |
|
5'5" |
276 |
6'6" |
398 | |
|
5'6" |
285 |
6'7" |
408 | |
|
5'7" |
294 |
6'8" |
419 | |
|
5'8" |
302 |
6'9" |
429 | |