You want to get your clients the protection they need as fast and as easy as possible. Our underwriters continually research and develop ways to improve underwriting offers to your clients to help you feel confident that you will get a competitive decision the first time. You and your clients are kept top of mind as we set new service standards.
Get a competitive decision … the first time
Traditional underwriting build chart guidelines
Refer to the charts below when discussing available classes for your client’s height and weight when going through our Traditional Underwriting process.
Build charts
Ages 16 - 64
Ages 65 - 74
Ages 75 +
Criteria for top underwriting classes
| Feature | Preferred Select criteria | Preferred criteria | Non-Tobacco Plus criteria |
|---|---|---|---|
| Personal history | No history of diabetes, heart disease, cerebrovascular disease, or cancer (except certain types of basal cell skin cancer) | No history of diabetes, heart disease, cerebrovascular disease or cancer (except certain types of skin cancer) | No history of diabetes, heart disease, cerebrovascular disease or cancer (except certain types of skin cancer) |
| Tobacco* | No tobacco or nicotine use in the past 36 months Nicotine (cotinine) reading on specimen must be negative |
No tobacco or nicotine use in the past 12 months Nicotine (cotinine) reading on specimen must be negative |
No tobacco or nicotine use in the past 12 months Nicotine (cotinine) reading on specimen must be negative |
| Blood pressure | Must be better than or equal to 135/85 with or without treatment | Must be better than or equal to 145/90 with or without treatment | Must be better than or equal to 145/95 with or without treatment |
| Family history* | No death of a parent or sibling before age 60 due to diabetes, heart disease, cerebrovascular disease or cancer | No death of a parent or sibling before age 60 due to diabetes, heart disease or cerebrovascular disease | No more than one death of a parent or sibling before age 60 due to diabetes, heart disease or cerebrovascular disease |
| Alcohol/Substance abuse | No history of or treatment for alcohol or substance abuse | No history of or treatment for alcohol or substance abuse within the last 10 years | No history of or treatment for alcohol or substance abuse within the last 10 years |
| Cholesterol* | Cholesterol level of 240 or less Cholesterol/HDL ratio must be less than or equal to 5.0 |
Cholesterol level of 260 or less Cholesterol/HDL ratio must be less than or equal to 6.0 |
Cholesterol level of 280 or less Cholesterol/HDL ratio must be less than or equal to 7.0 |
| Avocations | No ratable avocations | No ratable avocations | No ratable avocations |
| Build* | Must satisfy the Preferred Select build criteria | Must satisfy the Preferred build criteria | Must satisfy the Non-Tobacco Plus build criteria |
| Aviation | No student or private pilots (unless aviation coverage is excluded) Private pilots considered if IFR rated, 250 or more total hours and flying between 50 and 250 hours annually Commercially certified pilots are eligible if employed full-time as corporate pilots or as commercial airline pilots |
All pilots are eligible for Preferred pricing dependent on their experience and aviation activities, but may be charged a cash extra premium It may be necessary to exclude aviation coverage to qualify for Preferred pricing |
All pilots are eligible for Non-Tobacco Plus pricing dependent on their experience and aviation activities, but may be charged a cash extra premium It may be necessary to exclude aviation coverage to qualify for Non-Tobacco Plus pricing |
| Driving* | No DWI, DUI, or reckless driving in the past 10 years No more than 2 moving violations in the past 5 years |
No DWI, DUI, or reckless driving in the past 5 years No more than 2 moving violations in the past 3 years |
No DWI, DUI, or reckless driving in the past 3 years No more than 2 moving violations in the past 2 years |
| Residence | Must be a permanent U.S. resident | Must be a permanent U.S. resident | Must be a permanent U.S. resident |
Third-party financials
We specialize in underwriting large face amount cases. To help your underwriter deliver a quick decision, make sure you provide accurate and verifiable information.
Face amounts over $10 million (over $1 million for applicants ages 70 and over) require signed and dated third-party financial documents.
Acceptable sources
- Certified Public Accountant (CPA)
- Personal attorney
- Personal banker
- Minnesota Life or Securian Life financial supplement signed by CPA/Attorney
- Tax returns (2-3 years if possible)
- Broker-dealer statements (401(k), mutual funds, bank account statements)
- Tax assessment or appraisal
- Audited CPA-signed business or personal financial statements
- Underwriter call to client’s personal CPA or attorney
If the potential sale is over $10 million, your underwriter should review the case before you complete an application. You will discuss the proposed coverage, competition and details of other policies in force.
Approved examiners for traditional underwriting
Approved paramedical facilities have all the necessary forms and know the proper procedures for exams and various tests, including HOS, Blood Test, EKG and TST.
Each of the following facilities will forward exam results and lab reports to us.
American ParaProfessional System, Inc (APPS)
ExamOne
Our underwriting approach
You 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.
Have questions or need assistance?
- 1-833-356-0329 (BD)
- 1-888-413-7860, option 2 (IDG)
Quote in minutes
eValuate offers you real-time quotes, so you don't have to wait and see what underwriting class your clients qualify for.
Get a quoteThese are general guidelines used at the discretion of the underwriter. Many other factors, such as family history, smoking status, blood pressure and cholesterol also affect a rating for build.
Overall medical history will be considered in addition to the above criteria.
Non-Tobacco Plus not available on all products.
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
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