Non-Medical Limits and Exam Requirements

Upon completion of the application, arrangements should be scheduled to fulfill underwriting requirements indicated on the chart below. When using the chart, please note the following:

Age

All age calculations should use the age last birthday

Amount of Coverage

•    To calculate the amount of coverage used in determining underwriting requirements, add up the total amount of life coverage applied for on this application and pending, including term riders, plus other insurance in force with Assurity over the past two years and excluding any group insurance, Acci-Flex Accidental Death, NonMed Term 350, and Simplified Whole Life.

•    For the Value Enhancement Rider (VER) – Single, if the “net amount at risk” (i.e. the amount of coverage provided by the rider minus the premium for the rider) is less than $10,000, do not add it to the amount of in-force or applied-for coverage in determining examination requirements. If the net amount at risk is more than $10,000, add that amount in determining examination requirements.

•    For the Value Enhancement Rider (VER) – Periodic, if the annual periodic premium is $500 or less, add $2,500 to the amount of in-force or applied-for coverage in determining examination requirements.  If the annual periodic premium is more than $500, add $5,000 in determining examination requirements.

•    If applying for coverage on a juvenile (ages 0 through 14), at least one parent must carry twice the child’s current in-force coverage plus the applied-for amount.

•    Personal history interviews will be required on cases above $500,000.

Non-Med or Exam

•    In the Exam Limits Chart, “Exam” means paramedical exams.

•    Applicants through age 65 applying for benefit amounts above $2,000,000 are required to have visited a physician within the last two years; Assurity will obtain medical records. If the applicant has not visited a physician within the last two years, Assurity may require a medical exam with a physician at the underwriter’s discretion.

•    Applicants above age 65 applying for benefit amounts above $500,000 are required to have visited a physician within the last two years; Assurity will obtain medical records. If the applicant has not visited a physician within the last two years, Assurity will require a medical exam with a physician.

•    If a TeleApp is completed, or if all questions on the application are completed, Assurity can waive the paramedical exam and use an abbreviated exam in which the paramed records height, weight, blood pressure and pulse.

Urinalysis (UA) and Electrocardiogram (EKG)

•    If required, included in paramedical exam.

Blood Requirements (BLD)

•    To qualify for preferred underwriting classification, a full blood profile must be completed.

•    Tobacco and Non-Tobacco Preferred classes require a fasting full blood draw; a dried blood spot (DBS) is not acceptable.

NOTE:  These limits are subject to change at any time. Assurity reserves the right to require a medical exam and/or other medical requirements on any applicant.