Standard Non-Smoker
General Life Insurance Underwriting Criteria*
Situational Requirements
- Impairments** Can have personal history of certain diseases or impairments.
- Blood Pressure Currently well controlled with or without treatment, with no readings in the past two years greater than 156/94.
- Family History No cardiovascular death of more than one parent before age 60.
- Driving History No more than 4 moving violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.
- Tobacco Use For the SNT class, no use of tobacco or nicotine-based products in last 12 months.
- Cancer History Available depending on type and date of onset of cancer.
- Cholesterol May not exceed 300 with or without treatment.
- Chol/HDL Ratio May not exceed 8.0 with our without treatment.
- Substance/Alcohol Abuse No abuse in past 7 years.
- Aviation Available, however may have flat extra or exclusion rider.
- Avocation Available, however may have a flat extra fee.
- Residency/Citizenship Must be U.S. resident for past 2 years and either U.S. citizen or have permanent Visa or Green Card
- Build See General Standard Chart Below
* This standard underwriting chart is just a guide. Each life insurance company has its own unique underwriting guidelines that may be more or less favorable. To assure the best rate possible you should discuss your specific situation with an independent insurance professional.
** See Common Impairments Chart Below
Common Medical Impairments
Medical History |
Eligibility |
|---|---|
| Anxiety | * |
| Arthritis | * |
| Athsma | * |
| Cardiovascular/Heart Disease (Mitral Valve Prolapse may qualify) | no |
| Chronic Fatigue Syndrome | * |
| Chronic Obstructive Pulmonary Disease | no |
| Crohn’s Disease | * |
| Depression | * |
| Diabetes | no |
| Elevated Liver Function Tests | * |
| Epilepsy | * |
| Fibromyalgia | * |
| Gastric/Peptic Ulcers | * |
| Hepatitis C (Treated and Cured) | no |
| Hypertension | * |
| Kidney Disease (kidney stones may qualify) | no |
| Liver Disease | no |
| Multiple Sclerosis | no |
| Stroke | no |
| Ulcerative Colitis | no |
| Vascular Disease | no |
* May be eligible depending on the date of onset, duration, severity and response to treatment.
Build Chart*
| Height | Male/Female |
|---|---|
| 5’0" | 172 |
| 5’1" | 178 |
| 5’2" | 183 |
| 5’3" | 190 |
| 5’4" | 195 |
| 5’5" | 202 |
| 5’6" | 208 |
| 5’7" | 215 |
|
5’8" |
221 |
| 5’9" | 228 |
| 5’10" | 234 |
| 5’11" | 241 |
| 6’0" | 249 |
| 6’1" | 255 |
| 6’2" | 263 |
| 6’3" | 269 |
| 6’4" | 276 |
| 6’5" | 283 |
| 6’6" | 291 |
| 6’7" | 299 |
| 6’8" | 306 |
| 6’9" | 314 |
| 6’10" | 322 |
| 6’11" | 330 |
* This build chart is simply a guide. Each life insurance company has its own unique build chart which may be more or less favorable. To assure the best rate possible you should discuss your specific situation with an independent insurance professional.