We have developed a program for improving our underwriting standards through ongoing research and development. Our mortality credits program provides opportunities for better-than-published guidelines decisions for many of your clients.
Please note: The guidelines below assume no other exceptions are being made.
With the mortality credits program, infrequent tobacco users can still qualify for Non-Tobacco rates.
Tobacco uses include cigar, pipe, chew, cigarettes and nicotine surrogates.
| Guideline | Mortality credits qualification | |
|---|---|---|
| Preferred Select |
|
|
| Non-Tobacco |
|
|
| Tobacco |
|
|
With the mortality credits program, non-combustible tobacco users can qualify for Non-Tobacco rates with one underwriting class downgrade.
Non-combustible tobacco uses include chewing tobacco, snuff and e-cigarettes.
Tobacco class |
Mortality credits underwriting class |
|---|---|
| Preferred tobacco | Standard Non-tobacco |
| Standard tobacco | Table B Non-tobacco |
| Table B tobacco | Table C Non-tobacco |
When it comes to your client's build, our underwriters will look to make a one rate class improvement on standard or better offers as long as the client otherwise qualifies for the better rating.
If the proposed insured is within three months of qualifying for Preferred Select, Preferred or Non-Tobacco Plus rates and the individual otherwise qualifies for this class without making any other exceptions, we will allow approval at the higher class.
|
Guideline |
Mortality credits qualification |
|---|---|---|
| Preferred Select |
|
|
| Preferred |
|
|
| Non-Tobacco Plus |
|
|
If the proposed insured is within three months of qualifying for Preferred Select, Preferred or Non-Tobacco Plus rates and the individual otherwise qualifies for this class without making any other exceptions, we will allow approval at the higher class.
No death of a parent or sibling before age 60 due to coronary artery disease, cerebrovascular disease or cancer of breast, colon, ovary, pancreas, prostate, stomach, melanoma
If the first-degree relative died at age 58 or 59, it is ok to consider for best class.
No death of a parent or sibling before age 60 due to coronary artery disease or cerebrovascular disease.
If the first-degree relative died at age 58 or 59, it is ok to consider for best class.
No more than one death of a parent or sibling before age 60 due to coronary artery disease or cerebrovascular disease.
If the first-degree relative died at age 58 or 59, it is ok to consider for best class.
With the mortality credits program, clients with higher cholesterol can still qualify for preferred rates.
eValuate offers you real-time quotes, so you don't have to wait and see what underwriting class your clients qualify for.
Get a quoteYou want to get your clients the protection they need as fast and as easy as possible and feel confident that you will get a competitive decision the first time.
Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
Product features and availability may vary by state.
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.
These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its subsidiaries, have a financial interest in the sale of its products.
For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.
DOFU 12-2022
2446724
