Protective Life - Sample Underwriting Guidelines

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Protective Life’s Temporary Underwriting Guidelines Due To COVID-19

Protective Life Insurance has simplified its underwriting guidelines in response to the spread of COVID-19.

These temporary changes apply to fully underwritten life insurance applications and do not apply to applicants who are approved for instant issue of simplified issue life insurance.

Age and rating limitations:

Age 80+:
Postpone
Ages 70 – 79:
Must be Standard or better
Ages 60 – 69:
Must be Table 4 or better
Ages 0 – 59:
Will consider all risks through Table 4

Applicants age 0 – 59 who are rated over Table 4 will be considered on a case-by-case basis, if there is no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. These medical conditions and treatments include, but are not limited to:

Heart disease
Significant cancer in the last 10 years
Obesity rated higher than Table 4
Diabetes
Pulmonary disease (COPD, Asthma, etc.)
Autoimmune or Immunosuppressive Disease
Any medication that causes immunosuppression (Biologic, Prednisone/Steroid, Methotrexate, etc.)

These temporary changes apply to all new or pending cases with no final underwriting offer or outstanding underwriting requirements. They do not apply to issued or approved cases that are awaiting policy issue requirements, including a Statement of Health.

Applications that were postponed due to our prior temporary underwriting limitations that may now be eligible for consideration within the revised guidelines may be reopened and reviewed as requested. We will not be automatically reopening cases that were previously postponed due to COVID-19 limitations.

Statement of Health:

All fully underwritten coverage approved on any applicant, regardless of age or face amount, continues to require a Statement of Health to be signed on delivery. This includes applicants who are not approved for instant issue of simplified issue life insurance.

Top 3 Health Classes for Protective Life Insurance

#1 Select Preferred

#2 Preferred

#3 Standard

#1 Health Class = Select Preferred

Blood Pressure –

Through Age 70 Average from current medical exam and history readings within the last year do not exceed 135/85 through age 60 or 140/85 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS readings throughout the year. OVER Age 70 Average from exam and readings within the last year may not exceed 150/90. Treated blood pressure must have been controlled or one year with favorable APS readings throughout the year.

Cholesterol –

Through Age 70 Total Cholesterol not greater than 275 including treated cholesterol and Cholesterol/HDL Ratios is 4.5 or less. OVER Age 70 Total Cholesterol may not be lower than 130 untreated and may not exceed 275 with or without treatment. Cholesterol/HDL Ratio may not exceed 4.5.

Family History –

Through Age 70 No history of or 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. *Family history cancers are limited to those types that clearly demonstrate a genetic predisposition, i.e. breast, colon, prostate, ovarian, melanoma, lung cancer. OVER Age 70 None.

Tobacco Definition –

Through Age 70 No nicotine use for the past 5 years (urine nicotine negative). Will allow up to 6 celebratory cigars over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative for nicotine Over Age 70 No nicotine use for the past 5 years (urine nicotine negative). Will allow up to 6 celebratory cigars over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative for nicotine.

Motor Vehicle Report –

Through Age 70 Not available if two or more moving violations in the last three years or any DUI or reckless driving in the last five years. OVER Age 70 Not available if two or more moving violations in the last three years or if any DUI or reckless driving in the last five years

Residence/Citizenship –

Through Age 70 Citizen of U.S. (including Puerto Rico) or Canada or proof of permanent residence. Over Age 70 Citizen of U.S. (including Puerto Rico) or Canada or proof of permanent residence.

#2 Health Class = Preferred

Blood Pressure –

Through Age 70 Average from current medical exam ad history readings within the last year do not exceed 140/90 through age 60 or 150/90 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS readings throughout the year. OVER Age 70 Average from exam and readings within the last year may not exceed 160/95. Treated blood pressure must have been controlled or one year with favorable APS readings throughout the year.

Cholesterol –

Family History –

Through Age 70 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. *Family history cancers are limited to those types that clearly demonstrate a genetic predisposition, i.e. breast, colon, prostate, ovarian, melanoma, lung cancer. OVER Age 70 None.

Tobacco Definition –

Through Age 70 No nicotine use of any kind during the last 24 months (urine specimen negative). Will allow up to 12 celebratory cigars over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative for nicotine. Over Age 70 No nicotine use of any kind during the last 24 months (urine specimen negative). Will allow up to 12 celebratory cigars over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative for nicotine.

Motor Vehicle Report –

Through Age 70 Not available if three or more moving violations in the last three years or any DUI or reckless driving in the last five years. OVER Age 70 Not available if three or more moving violations in the last three years or any DUI or reckless driving in the last five years.

Residence/Citizenship –

Through Age 70 Citizen of U.S. (including Puerto Rico) or Canada or proof of permanent residence. Over Age 70 Citizen of U.S. (including Puerto Rico) or Canada or proof of permanent residence.

Height & Weight Limits:

Other Factors That Will Effect Health Class

Aviation
Scuba Diving, Sky Diving, Motor Racing or any other hazardous sports or activities
Hazardous Occupations
Foreign Travel
Residence | Citizenship
Alcohol | Drug History