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Traditional underwriting

Get a competitive decision … the first time

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.

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
Height
Preferred Select
Preferred
Non-Tobacco Plus
Standard
4'8" 125 132 164 170
4'9" 130 137 170 176
4'10" 134 141 176 182
4'11" 138 146 182 188
5'0" 143 151 188 195
5'1" 148 156 195 204
5'2" 153 161 201 208
5'3" 158 166 208 215
5'4" 163 172 215 221
5'5" 168 177 221 228
5'6" 173 183 228 235
5'7" 178 189 235 243
5'8" 184 195 242 250
5'9" 189 200 250 257
5'10" 195 205 257 265
5'11" 200 212 264 272
6'0" 206 217 272 280
6'1" 212 223 279 288
6'2" 218 230 287 296
6'3" 224 236 295 304
6'4" 230 242 303 312
6'5" 236 249 311 320
6'6" 242 255 319 329
6'7" 249 262 327 337
6'8" 255 269 336 346
Ages 65 - 74
Height
Standard
Preferred Select
Preferred
Non-Tobacco Plus
Standard

4'8"

99

127

132

165

172

4'9"

103

132

137

171

178

4'10"

106

136

141

177

184

4'11"

110

141

146

183

191

5'0"

114

146

151

189

197

5'1"

118

151

156

196

204

5'2"

122

156

161

202

211

5'3"

126

161

166

209

217

5'4"

130

166

172

216

224

5'5"

134

171

177

222

231

5'6"

138

176

183

229

239

5'7"

142

182

189

236

246

5'8"

147

187

195

243

253

5'9"

151

193

200

251

261

5'10"

155

199

205

258

268

5'11"

160

204

212

265

276

6'0"

164

210

217

273

284

6'1"

169

215

223

280

292

6'2"

174

222

230

288

300

6'3"

179

228

236

296

308

6'4"

184

234

242

304

316

6'5"

189

241

249

312

325

6'6"

194

247

255

320

333

6'7"

199

253

262

328

342

6'8"

204

260

269

337

350

Ages 75 +
Height
Standard
Non-Tobacco Plus
Product best
Standard
4'8" 122 132 144 172
4'9" 127 137 149 178
4'10" 131 141 155 184
4'11" 136 146 160 191
5'0" 140 151 165 197
5'1" 145 156 171 204
5'2" 150 161 177 211
5'3" 155 166 182 217
5'4" 160 172 188 224
5'5" 165 177 194 231
5'6" 171 183 200 239
5'7" 175 189 207 246
5'8" 181 195 213 253
5'9" 186 200 219 261
5'10" 191 205 226 268
5'11" 197 212 232 276
6'0" 202 217 239 284
6'1" 208 223 245 292
6'2" 214 230 252 300
6'3" 220 236 259 308
6'4" 225 242 266 316
6'5" 231 249 273 325
6'6" 238 255 280 333
6'7" 244 262 288 342
6'8" 250 269 295 350

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)

(800) 727-2101

APPS website

ExamOne

(877) 933-9261

ExamOne website

Learn how we look at financials

Financial underwriting verifies a valid, insurable interest exists and justifies the amount of life insurance applied for. It helps maintain an acceptable level of persistency for all parties.

Learn how we share risk

Reinsurance is a method of sharing financial risk with another insurance company. We use reinsurance when a large amount of insurance is applied for or when a client has a significant medical history.

Have questions or need assistance?

Contact your underwriter.

Quote in minutes

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These 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 way where it would be accessible to the general public.

DOFU 12-2022

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