Common factors that automatically require additional underwriting include the following:
•Applicants over age 70
•Face amounts above $1,000,000 for ages 18-50, and over $500,000 for ages 51-65
•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” |
214 |
5'9" |
325 | |
|
4’9” |
222 |
5'10" |
334 | |
|
4'10" |
229 |
5'11" |
344 | |
|
4'11" |
237 |
6'0" |
354 | |
|
5'0" |
246 |
6'1" |
364 | |
|
5'1" |
254 |
6'2" |
374 | |
|
5'2" |
262 |
6'3" |
384 | |
|
5'3" |
271 |
6'4" |
394 | |
|
5'4" |
279 |
6'5" |
405 | |
|
5'5" |
288 |
6'6" |
415 | |
|
5'6" |
297 |
6'7" |
426 | |
|
5'7" |
306 |
6'8" |
437 | |
|
5'8" |
316 |
6'9" |
448 | |