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Mortality credits program

Improved underwriting classes

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.

Improved tobacco classes

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
  • No tobacco or nicotine surrogate use in the past 36 months
  • Negative specimen
  • 12 or fewer cumulative tobacco uses per year
  • Negative nicotine (cotinine) marker on urine specimen
Non-Tobacco  
  • No tobacco or nicotine surrogate use in the past 12 months
  • Negative specimen
 
  • 12 -24 cumulative tobacco uses per year
  • Negative nicotine (cotinine) marker on urine specimen
Tobacco
  •  More than 24 uses per year

Improved non-combustible tobacco classes

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.

Mortality credits program guidelines

  • Non-combustible tobacco uses only
  • No uses of cigarettes or cigars in past 10 years
  • Negative specimen
Tobacco class
Mortality credits underwriting class
Preferred tobacco Standard Non-tobacco
Standard tobacco Table B Non-tobacco
Table B tobacco Table C Non-tobacco

Build stretch guidelines

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.

Preferred Select

  • Build meets Preferred class criteria
  • Client meets all other Preferred Select criteria

Preferred

  • Build meets Non-Tobacco Plus class criteria
  • Client meets all other Preferred criteria

Non-Tobacco Plus

  • Build meets Non-Tobacco Plus class criteria
  • Client meets all other Non-Tobacco Plus criteria

Driving history improvements

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
  • 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 9 years and 9 months
  • No more than 2 moving violations in the past 4 years and 9 months
Preferred
  • 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 4 years and 9 months
  • No more than 2 moving violations in the past 2 years and 9 months
Non-Tobacco Plus
  • No DWI, DUI or reckless driving in the past 3 years
  • No more than 2 moving violations in the past 2 years
  • No DWI, DUI or reckless driving in the past 2 years and 9 months
  • No more than 2 moving violations in the past 1 year and 9 months

Improved family history class impact

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.

Preferred Select 

Guideline

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

Qualification

If the first-degree relative died at age 58 or 59, it is ok to consider for best class.

  • Family History of Cancer: If only one parent or sibling has died of cancer prior to the age of 60, and the insured has outlived that relative by 5 years, can consider for Preferred Select.

Preferred

Guideline

No death of a parent or sibling before age 60 due to coronary artery disease or cerebrovascular disease.

Qualification

If the first-degree relative died at age 58 or 59, it is ok to consider for best class.

  • Family History of Coronary Artery Disease and Stroke: If one primary relative died before age 60 due to coronary artery disease or stroke but Proposed Insured is at least 5 years older than age at death of that relative and meets all of the following: Proposed Insured has no history of Impaired Fasting Glucose or Diabetes, and current A1c is below 5.7; LDL <100; blood pressures <135/85

Non-tobacco Plus

Guideline

No more than one death of a parent or sibling before age 60 due to coronary artery disease or cerebrovascular disease.

Qualification

If the first-degree relative died at age 58 or 59, it is ok to consider for best class.

Improved cholesterol classes

With the mortality credits program, clients with higher cholesterol can still qualify for preferred rates.

Preferred Select

  • Cholesterol less than or equal to 250 and ratio 4.5
  • May include treatment for hypertension and/or cholesterol

Preferred

 Up to age 50:
  • Cholesterol less than 270 and ratio less than 6.0
  • No treatment for hypertension or cholesterol
 Ages 50 and older:
  • Cholesterol up to 300 and ratio up to 6.0
  • Cholesterol less than 300 and ratio less than 5.0
  • No treatment for hypertension or cholesterol

Non-Tobacco Plus

  • Cholesterol up to 300 and ratio up to 7.0
  • No treatment for hypertension or cholesterol

Have questions or need assistance?

Contact your underwriter.

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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 way where it would be accessible to the general public.

DOFU 12-2022

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