Mutual of Omaha Fully Underwritten Product Guide

Agent AI Hits: 50

Carrier: Mutual of Omaha (United of Omaha Life Insurance Company)

Product: Fully Underwritten Term, IUL, Whole Life

Product Types: Term Life Answers (10, 15, 20, 30-Year), Income Advantage IUL, Life Protection Advantage IUL, AccumUL Answers, Whole Life

Issue Ages: 15 days to age 85 (varies by product); adults and juveniles included

Face Amounts: $25,000 to $10,000,000+ (up to $500,000 for juveniles with justification)

Target Market: Income protection, estate planning, business insurance, high-net-worth cases, medically underwritten applicants

Comprehensive underwriting, application, and eligibility guide for agent reference and AI training. No examples or summaries. All criteria, conditions, and decision rules included.

1. Product Overview and Underwriting Philosophy

Carrier: United of Omaha Life Insurance Company (Mutual of Omaha affiliate)

This guide applies to all fully underwritten Term and Permanent Life Insurance products issued by United of Omaha. It is intended for internal producer use only and is designed to reduce dependency on underwriters for routine case questions. All rules, requirements, impairments, and underwriting programs are fully described.

Available Products:

Term Life Answers (10, 15, 20, 30-Year)
Income Advantage IUL
Life Protection Advantage IUL
AccumUL Answers
Whole Life (varies by state)

Underwriting Philosophy:

Mutual of Omaha considers the full applicant profile, offering favorable consideration through multiple programs such as Fit Credits, Accelerated and Fluidless Underwriting, and occasional reinsurance facilitation. Preferred consideration is available for several non-standard conditions based on full disclosure and control of risk.

Support Contact Numbers:

Underwriting Support: 1-800-775-7896
iGO eApp Support: 1-800-641-6557
Sales Support: 1-800-693-6083

2. Issue Ages, Face Amounts, and Underwriting Classes

Issue Ages and Face Amount Limits

Face amounts available: $25,000 to $10,000,000+
Juvenile (15 days – 17 years): Up to $250,000 (or $500,000 with full financial justification and cover letter)
Coverage must be supported by appropriate financial and insurable interest documentation.

Income Replacement Multiples (For Earned Income)

Under age 30: 40× income
30–39: 35× income
40–49: 30× income
50–59: 20× income
60–64: 10× income
65 and older: 7× income

Risk Classes Available

Preferred Plus Non-Tobacco
Preferred Non-Tobacco
Standard Plus Non-Tobacco
Standard Non-Tobacco
Preferred Tobacco
Standard Tobacco
Table Rated (Table 1 through Table 12)

Nicotine-free eligibility is based on time since last use and urinalysis. Mutual of Omaha allows limited cigar use (up to 24/year) with negative urinalysis for Preferred and Standard Plus classes.

Non-Tobacco Criteria by Class

Preferred Plus: No nicotine/tobacco use for 36 months
Preferred: No use for 24 months
Standard Plus: No use for 12 months
Preferred Tobacco: Available with qualifying health and labs

Build requirements, cholesterol ratios, blood pressure levels, family history, driving records, aviation, and medical impairments must meet the carrier's criteria for each class. Full details follow in the Build Chart and Medical History sections.

3. Build Chart (Complete - Tables 1 to 12)

The following Build Chart must be used for underwriting Mutual of Omaha fully underwritten life insurance. All weights are measured in pounds. Each height is aligned with maximum allowable weight limits for each underwriting class or table rating. Applicants whose weight falls outside these limits are not eligible for that rating class.

Note: Juvenile builds are evaluated separately. This chart applies only to adults (age 18+).

Height	Preferred Plus	Preferred	Standard Plus	Standard	Table 1	Table 2	Table 3
4’ 8”	125	144	153	158	170	184	NaN
4’ 9”	131	150	160	165	176	189	NaN
4’ 10”	135	155	165	170	182	194	NaN
4’ 11”	141	160	170	176	187	199	NaN
5’ 0”	146	166	177	184	193	205	NaN
5’ 1”	152	173	185	191	199	211	NaN
5’ 2”	158	179	190	197	205	215	NaN
5’ 3”	164	184	195	203	213	220	NaN
5’ 4”	169	189	200	209	221	225	NaN
5’ 5”	174	194	205	215	226	231	NaN
5’ 6”	180	200	210	222	232	239	NaN
5’ 7”	185	205	215	228	239	245	NaN
5’ 8”	189	209	220	235	246	251	NaN
5’ 9”	195	215	225	242	254	258	NaN
5’ 10”	200	221	232	250	262	266	NaN
5’ 11”	206	227	237	258	269	274	NaN
6’ 0”	211	232	244	265	275	281	NaN
6’ 1”	217	239	252	271	282	289	NaN
6’ 2”	222	244	257	279	289	296	NaN
6’ 3”	228	250	262	285	296	303	NaN
6’ 4”	233	255	268	292	301	311	NaN
6’ 5”	239	261	274	298	307	319	NaN
6’ 6”	246	268	280	307	313	328	NaN
6’ 7”	252	274	286	313	320	336	NaN
6’ 8”	258	280	294	320	327	345	NaN
6’ 9”	264	287	302	326	335	352	NaN
6’ 10”	270	294	310	334	343	359	NaN
Underwriting Build Chart (continued)	NaN	NaN	NaN	NaN	NaN	NaN	NaN
Height	Weight	NaN	NaN	NaN	NaN	NaN	NaN
4’ 8”	190	197	204	212	221	230	240
4’ 9”	195	202	209	216	225	234	244
4’ 10”	201	208	214	222	231	240	249
4’ 11”	207	214	220	228	237	245	254
5’ 0”	213	220	226	235	244	253	262
5’ 1”	218	226	233	242	250	259	269
5’ 2”	223	232	239	248	257	266	277
5’ 3”	228	238	246	255	264	275	284
5’ 4”	235	245	252	261	270	281	292
5’ 5”	242	251	259	268	277	286	299
5’ 6”	248	258	268	276	285	293	308
5’ 7”	254	265	275	284	293	303	316
5’ 8”	262	274	283	291	300	312	324
5’ 9”	270	282	291	299	309	319	331
5’ 10”	278	289	300	307	316	327	340
5’ 11”	287	298	307	315	325	339	349
6’ 0”	292	305	315	322	333	348	356
6’ 1”	300	313	322	330	340	355	365
6’ 2”	308	321	331	339	349	366	374
6’ 3”	317	329	339	348	358	376	383
6’ 4”	325	338	348	357	367	385	394
6’ 5”	334	347	357	366	376	393	402
6’ 6”	345	358	366	375	385	405	413
6’ 7”	354	367	375	384	394	413	422
6’ 8”	363	376	385	395	405	422	431
6’ 9”	372	385	395	406	415	435	444
6’ 10”	382	395	407	418	427	444	462
Accelerated Underwriting Build Chart	NaN	NaN	NaN	NaN	NaN	NaN	NaN
Height	Weight	Height	Weight	NaN	NaN	NaN	NaN
4’ 8”	74 - 158	5’ 8”	109 - 235	NaN	NaN	NaN	NaN
4’ 9”	77 - 165	5’ 9”	112 - 242	NaN	NaN	NaN	NaN
4’ 10”	79 - 170	5’ 10”	115 - 250	NaN	NaN	NaN	NaN
4’ 11”	82 - 176	5’ 11”	119 - 258	NaN	NaN	NaN	NaN
5’ 0”	85 - 184	6’ 0”	122 - 265	NaN	NaN	NaN	NaN
5’ 1”	88 - 191	6’ 1”	126 - 271	NaN	NaN	NaN	NaN
5’ 2”	91 - 197	6’ 2”	129 - 279	NaN	NaN	NaN	NaN
5’ 3”	94 - 203	6’ 3”	133 - 285	NaN	NaN	NaN	NaN
5’ 4”	97 - 209	6’ 4”	136 - 292	NaN	NaN	NaN	NaN
5’ 5”	100 - 215	6’ 5”	140 - 298	NaN	NaN	NaN	NaN
5’ 6”	103 - 222	6’ 6”	143 - 307	NaN	NaN	NaN	NaN
5’ 7”	106 - 228	6’ 7”	147 - 313	NaN	NaN	NaN	NaN

4. Initial Underwriting Requirements

All applicants are subject to varying medical and non-medical requirements based on age and face amount. Mutual of Omaha evaluates risk using a multi-layered underwriting approach. The following diagnostic tools may be required:

Pharmaceutical Check (Rx)
Paramedical Exam (Blood, Urine, Height/Weight, Pulse, Blood Pressure)
Motor Vehicle Record (MVR)
Attending Physician’s Statement (APS)
Senior Assessment (SA), if applicable
NT-Pro BNP blood test for senior ages
Tax Transcripts (TT), Electronic Inspection Report (EIR)
Personal Financial Supplement (PFS)

Below is a complete breakdown of required evidence for fully underwritten life insurance based on the insured’s age and the face amount applied for.

Underwriting Requirements by Age and Face Amount

Age	$25K–$99K	$100K–$249K	$250K–$499K	$500K–$750K	$750K–$1M
Under 18	Nonmedical, Rx	Nonmedical, Rx	Nonmedical*, Rx	N/A	N/A
18–30	Nonmedical, Rx	Paramed, Blood & HOS, MVR, Rx
31–35	Nonmedical, Rx	Paramed, Blood & HOS, MVR, Rx
36–45	Nonmedical, Rx	Paramed, Blood & HOS, MVR, Rx
46–55	Nonmedical, Rx	Paramed, Blood & HOS, Rx
56–60	Nonmedical, Rx	Paramed, Blood & HOS, Rx
61–65	Nonmedical, Rx	Paramed, Blood & HOS, Rx			+BNP
66–70	Nonmedical, APS, Rx	+APS		Paramed, SA, Blood & HOS, BNP, APS, Rx
71+	Nonmedical, APS, Rx	Paramed, Blood & HOS, APS, Rx	+BNP	Paramed, SA, Blood & HOS, BNP, APS, MVR, Rx

Key:
APS = Attending Physician Statement
SA = Senior Assessment
Rx = Pharmaceutical Report
BNP = NT-Pro BNP blood test
HOS = Blood and Urine Specimen
MVR = Motor Vehicle Report

5. Underwriting Programs

5.1 Fit Underwriting Credit Program

The Fit Credit Program allows up to two table credits for applicants through age 75 applying for up to $5 million in face amount. Applicants must be non-tobacco users and start no worse than Table 4. It is not available for flat extras or high-risk medical histories including early CAD, stroke, HIV, and ratable cancers.

Medical Criteria for Fit Credit: (3 = 1 table credit, 5 = 2 credits)

No death of parent/sibling before age 70
Cholesterol/HDL ratio < 5.0
A1C under 5.7
Serum Albumin > 4.2 (ages 61–75)
Negative cardiac testing within 2 years (GXT, Echo, EBCT, Angio)
Blood pressure ≤ 135/85 (treated or untreated)
Preferred or better build (age 18–60); Std+ or better (61–75)
BNP < 100 (ages 61–75)
Normal CBC (ages 61–75)

Lifestyle Criteria for Fit Credit:

Regular preventive medical care with compliance
No tobacco use in past 10 years
Income > $100,000 or Net Worth > $1 million
Clean driving record

5.2 Accelerated Underwriting Program

For healthy clients ages 18–60 applying for $100,000 to $2 million. If eligible, no paramed exam required and decisions may arrive within 48–72 hours.

Requirements:

Electronic drop ticket submission
U.S. citizen or permanent resident
No tobacco/nicotine (standard guidelines)
Build must fall within standard build chart
No uninsurable medical or driving history
No STOLI/red-flag cases

Ineligible Medical Conditions:

Cancer (except basal/squamous skin)
Diabetes
CAD, COPD, Hepatitis, Sleep Apnea
Substance abuse, epilepsy/seizure
Any ratable medical condition

5.3 Fluidless Underwriting Program

Available for ages 30–65 applying for $2 million to $10 million. No labs or parameds required if qualified.

Requirements:

Recent annual physical within 18 months ($2M–$5M) or 12 months ($5M–$10M)
Complete Part 2 of application
Documentation of executive physical including all vital metrics and age-appropriate bloodwork
For ages 61–65 over $5M: ECG within 12 months

Applications must include a cover letter explicitly requesting Fluidless consideration.

6. Application and Submission Requirements

6.1 Submission Instructions

Only one base policy may be applied for per application. Submit applications and all required forms to:

Mutual of Omaha
3300 Mutual of Omaha Plaza
Omaha, NE 68175
Fax: (402) 997-1804

6.2 Required Forms and Authorizations

Application (must match product and state where signed)
Producer Statement
MIB Authorization
HIPAA Authorization
Illustration (or Certification) for IUL/UL products
Accelerated Death Benefit Disclosure
HIV Consent (if $100,000+ face amount)
State replacement and disclosure forms
Statement of Policyowner Intent (age 65+, $1M+)
Premium Funding Acknowledgement (if financed)
Authorization to Release and IRS 4506-C (if $5M+)

6.3 Temporary Insurance Agreement (TIA)

Max face amount: $1,000,000
Premium payment must be submitted at app time
All 6 TIA eligibility questions must be answered “no”
Coverage ends at earliest of 90 days, policy delivery, withdrawal, or declination

6.4 Paramedical Exams and APS

Mutual of Omaha uses ExamOne and APPS. Exams can be conducted at home or workplace. APS required for many conditions or age/amount combinations. If producer orders the APS, notify the carrier at time of submission or risk duplicate delay.

Underwriting requirements are valid:

Up to 12 months through age 70
Up to 6 months for ages 71 and older

6.5 Inspection Reports and MVR

Inspection reports: Required for face amounts over $10M or age 71+
MVR required for: Ages 18–45 ($100K+), 46–70 ($1M+), 71+ ($500K+)

Applications signed by Power of Attorney (POA) are not accepted. The applicant must personally sign and authorize all releases.

7. Medical Impairments Underwriting Guide (A–Z)

This section lists all medical conditions that impact underwriting decisions. Each impairment is categorized with Mutual of Omaha’s best-case underwriting outcome. The presence, severity, duration, treatment response, and applicant age at diagnosis may affect final offer.

Risk Classifications: Standard, Table Ratings (1–12), Decline, or Individual Consideration (IC).

This impairment guide is exhaustive. Agents and Assistants should reference it when determining insurability or preparing for potential APS requests.

A – B Medical Impairments

Condition	Underwriting Outcome
Acromegaly	Table 4–8
Acquired Immunodeficiency Syndrome (AIDS)	Decline
Addison’s Disease	Standard – Table 3
ADHD / ADD	Standard – Table 2
Alcoholism (Treatment, No Use)	Standard – Table 8 (Postponed 2 yrs)
Alzheimer’s Disease	Decline
Anemia – Aplastic	Standard – Decline
Anemia – Sickle Cell	Decline
Anemia – Sickle Cell Trait	Standard
Aortic Aneurysm (Unoperated)	Table 6 – Decline
Aortic Aneurysm (Surgery, Stable 6+ months)	Table 2 – 6
Angina	Table 2 – 8
Angina, Unstable (Under Age 40)	Decline
Angioedema	Standard – Table 2
Ankylosing Spondylitis	Standard – Table 4
Anorexia Nervosa (Current)	Decline
Anorexia Nervosa (Recovered 4+ years)	Standard – Table 2
Anxiety Disorders (Mild)	Standard
Anxiety Disorders (Other)	Standard – Table 4
Aortic Murmurs/Insufficiency	Standard – Table 8
Arrhythmias – Atrial Fibrillation	Standard – Decline
Arrhythmias – Atrial Flutter	Standard – Decline
Arrhythmias – Infrequent PVC(s)	Standard
Arrhythmias – Multiple PVC(s)	Standard – Table 8
Arteriosclerosis Obliterans	Table 4 – Decline
AV Malformations – Cerebral (Unoperated)	Decline
AV Malformations – Post-Surgery Stable 6+ months	Table 4 – 8
Arthritis – Osteoarthritis	Standard
Asbestosis – Mild	Standard – Table 4
Asbestosis – Severe	Decline
Ascites	Decline
Asthma – Mild Intermittent	Standard
Asthma – Persistent	Table 2 – Decline
Atrial Septal Defect (No Surgery)	Standard – Decline
Atrial Septal Defect (Surgery, No Residuals)	Standard
Atrioventricular Block – 1st/2nd Degree	Standard – Table 2
Atrioventricular Block – 3rd Degree	Table 2 – Decline
Bacterial Endocarditis – Recovered	Table 2 – 4
Barlow’s Syndrome	Standard – Table 3
Basal Cell Carcinoma (Resolved)	Standard
Bell’s Palsy – Recovered	Standard
Benign Prostatic Hypertrophy (Normal PSA)	Standard
Berger’s Disease (IgA Nephropathy)	Table 2 – 8
Bicuspid Aortic Valve	Standard – Table 8
Bigeminy	Standard – Table 8
Bipolar Disorder – Stable	Table 2 – 8
Blood Pressure – Controlled	Standard
Bright’s Disease – Acute Recovery	Standard – Table 2
Bright’s Disease – Chronic Good Function	Standard – Table 8
Bright’s Disease – Chronic Poor Function	Decline
Bronchiectasis – Mild/Moderate	Standard – Table 6
Bronchiectasis – Severe	Table 8 – Decline
Bronchitis – Chronic Mild/Moderate	Standard – Table 3
Bronchitis – Severe	Table 4 – Decline
Buerger’s Disease – Nonsmoker, No Surgery	Standard – Table 4
Bundle Branch Block – Hemiblock	Standard
Bundle Branch Block – Right	Standard – Table 4
Bundle Branch Block – Left (1+ year)	Table 4

C – D Medical Impairments

Condition	Underwriting Outcome
Cancer – Most Malignancies	Postponed 2–5 yrs, Individual Consideration
Cardiac Pacemaker (Artificial)	Standard – Decline
Cardiomyopathy	Table 4 – Decline
Carotid Bruits (Asymptomatic)	Standard – Table 2
Celiac Disease (Controlled)	Standard – Table 4
Cerebral Embolism/Thrombosis (Single, Stable)	Table 2 – Table 8
Cerebral Embolism/Thrombosis (Multiple)	Decline
Cerebral Palsy – Mild to Moderate	Standard – Table 3
Cerebral Palsy – Severe	Decline
Cerebrovascular Accident (Single)	Standard – Table 8
Cerebrovascular Accident (Multiple)	Decline
Charcot-Marie-Tooth Disease	Standard – Decline
Chest Pain – Non-cardiac	Standard
Chest Pain – Cardiac	Individual Consideration
Cholangitis / Cholecystitis / Cholelithiasis (Resolved)	Standard
Christmas Disease (Factor IX Deficiency)	Table 2 – 8
Chronic Heart Failure	Decline
Chronic Obstructive Pulmonary Disease (COPD)	Standard – Table 8
Cirrhosis	Decline
Cocaine Use – Past	Postpone 3 yrs, Standard – Table 8
Colitis (Ulcerative, Controlled)	Table 2 – 8
Colon Polyps – Benign	Standard
Colon Polyps – Malignant	Individual Consideration
Congestive Heart Failure (Chronic)	Decline
Convulsions	Table 2 – 8
Cor Pulmonale (Chronic)	Decline
Costochondritis	Standard
Crohn’s Disease	Standard – Table 8
Cushing’s Syndrome	Standard – Table 4
Cystic Fibrosis	Decline
Cystitis – Resolved	Standard
Dementia	Decline
Depression (Controlled)	Standard – Table 3
Diabetes – Type I (Over age 20)	Table 2 – 8
Diabetes – Type II (Over age 20)	Standard – Table 8
Dialysis / Renal Failure	Decline
Diverticulitis / Diverticulosis	Standard – Table 3
Down’s Syndrome	Decline
Drug Addiction – Post Recovery	Postpone 3 yrs, Standard – Table 8
Duodenal Ulcer (No Bleeding)	Standard

E – H Medical Impairments

Condition	Underwriting Outcome
Eating Disorder (Anorexia/Bulimia, Resolved)	Standard – Table 4
Emphysema	Table 4 – Decline
Encephalitis (Recovered)	Standard – Table 2
Endometriosis	Standard
Epilepsy (Petit Mal / Grand Mal)	Table 2 – 6
Epstein-Barr Virus	Standard – IC
Eye Disorders – Retinitis Pigmentosa	Standard – Decline
Eye Disorders – Uveitis	Standard – Table 2
Factor V Leiden	Standard – Table 4
Fatty Liver	Standard – Table 4
Fibromyalgia	Standard – Table 3
Fractures – Major (Recovered)	Standard
Gastric Bypass/Banding (2+ yrs stable)	Standard – Table 4
Gastritis – Mild/Controlled	Standard
Gastroesophageal Reflux Disease (GERD)	Standard
Glaucoma	Standard
Gout (Controlled)	Standard
Guillain-Barré Syndrome (Recovered)	Standard – Table 4
Hashimoto’s Thyroiditis	Standard
Head Injury (Mild)	Standard
Head Injury (With LOC or Seizure)	Table 2 – Decline
Heart Attack – Single (2+ years ago)	Table 2 – 8
Heart Attack – Multiple or Recent	Decline
Heart Murmur – Innocent/Benign	Standard
Heart Surgery – Bypass or Valve (Stable)	Table 2 – 6
Heart Transplant	Decline
Hematuria (Resolved)	Standard
Hemochromatosis – No Liver Impairment	Standard – Table 2
Hemophilia (A or B)	Decline
Hemorrhoids	Standard
Hepatitis A (Resolved)	Standard
Hepatitis B (Carrier or Resolved)	Standard – Table 2
Hepatitis C (Treated, No Cirrhosis)	Table 2 – 8
Hernia (Repaired)	Standard
Hiatal Hernia	Standard
Hidradenitis Suppurativa	Standard – Table 2
High Cholesterol (Controlled)	Standard
HIV Positive	Decline
Hodgkin’s Disease (In Remission 5+ yrs)	Standard – Table 4
Huntington’s Disease	Decline
Hypertension – Controlled	Standard
Hyperthyroidism	Standard
Hypothyroidism	Standard

I – M Medical Impairments

Condition	Underwriting Outcome
Iritis	Standard
Irritable Bowel Syndrome (IBS)	Standard
Joint Replacement (No Complications)	Standard – Table 2
Keratoconus	Standard
Kidney Stones (Single Episode)	Standard
Kidney Stones (Recurrent)	Standard – Table 2
Kidney Transplant	Decline
Labyrinthitis (Resolved)	Standard
Laryngeal Cancer (Remission 5+ yrs)	Table 2 – 8
Laryngitis (Chronic)	Standard – Table 2
Lennox-Gastaut Syndrome	Decline
Leukemia (Remission 5+ yrs)	IC – Decline
Liver Transplant	Decline
Liver Function Abnormalities	Table 2 – Decline
Low Testosterone	Standard
Lupus (Discoid)	Standard – Table 2
Lupus (Systemic)	Table 2 – Decline
Lyme Disease (Acute Resolved)	Standard
Lyme Disease (Chronic/Neurological)	Table 4 – Decline
Lymphoma (Remission 5+ yrs)	Table 2 – Decline
Macular Degeneration	Standard – Table 2
Malaria (Treated/Resolved)	Standard
Marfan Syndrome	Table 4 – Decline
Mastocytosis	Decline
Melanoma (Stage 0–1, 5+ yrs ago)	Standard – Table 4
Melanoma (Advanced or Recent)	Decline
Memory Loss (Mild, Evaluated)	Table 2 – Decline
Menopause (No Complications)	Standard
Menorrhagia	Standard
Mental Retardation (Moderate/Severe)	Decline
Mitral Valve Prolapse (No Regurgitation)	Standard
Mitral Valve Prolapse (With Regurgitation)	Table 2 – 4
Monoclonal Gammopathy of Unknown Significance (MGUS)	Standard – Table 4
Multiple Myeloma	Decline
Multiple Sclerosis (Mild, Stable)	Table 4 – Decline
Muscular Dystrophy	Decline

N – Z Medical Impairments

Condition	Underwriting Outcome
Nephrectomy (Single Kidney, Normal Labs)	Standard – Table 4
Nephrotic Syndrome	Table 4 – Decline
Neurofibromatosis	Table 2 – Decline
Obesity (See Build Chart)	Refer to Tables 1–12
Obsessive Compulsive Disorder (OCD)	Table 2 – 4
Organ Transplant (Any)	Decline
Osteoarthritis	Standard
Osteomyelitis (Recovered)	Standard
Osteoporosis	Standard – Table 2
Paget’s Disease	Standard – Table 2
Pancreatitis – Acute, Resolved	Table 2 – 4
Pancreatitis – Chronic or Alcohol-Related	Decline
Parkinson’s Disease	Table 4 – Decline
Peptic Ulcer Disease	Standard
Peripheral Artery Disease (PAD)	Table 4 – Decline
Polycystic Kidney Disease	Table 4 – Decline
Pregnancy (No Complications)	Standard
Prostate Cancer (Stage 1–2, Treated)	Standard – Table 4
Psoriasis (Mild)	Standard
Psychosis (Any History)	Decline
Pulmonary Fibrosis	Decline
Quadriplegia	Decline
Raynaud’s Disease	Standard – Table 2
Renal Failure – Chronic or Dialysis	Decline
Retinopathy (Diabetic)	Table 4 – Decline
Rheumatoid Arthritis (Mild)	Standard – Table 2
Rheumatoid Arthritis (Moderate/Severe)	Table 4 – Decline
Sarcoidosis	Standard – Table 4
Schizophrenia	Decline
Scleroderma	Decline
Seizure Disorder	Table 2 – 4
Sickle Cell Anemia	Decline
Sickle Cell Trait	Standard
Sleep Apnea – Controlled with CPAP	Standard – Table 2
Stroke – Single (2+ yrs)	Table 2 – 8
Stroke – Multiple or Recent	Decline
Systemic Lupus Erythematosus (SLE)	Table 4 – Decline
TIA (Mini-Stroke, Resolved 1+ yrs)	Table 2 – 6
Thrombophlebitis (Resolved)	Standard
Tourette’s Syndrome	Standard – Table 2
Tuberculosis (Treated, Resolved)	Standard
Ulcerative Colitis (Controlled)	Standard – Table 4
Urinary Tract Infection (Frequent)	Standard – Table 2
Varicose Veins	Standard
Vertigo (Benign Positional)	Standard
Wilson’s Disease	Standard – Table 4
Wolff-Parkinson-White Syndrome	Standard – Table 4
Zollinger-Ellison Syndrome	Table 4 – Decline

8. Non-Medical Risk Criteria and Financial Justification

8.1 Occupational and Avocational Risks

Hazardous Occupations: Decline or require flat extra (e.g., offshore oil, bomb squad, commercial diving, active military)
Avocations: Activities like skydiving, base jumping, hang gliding, motor racing, and rock climbing typically rated or declined
Aviation: Private pilots must submit an Aviation Questionnaire. Non-commercial flight is often rated or excluded

8.2 Foreign Travel and Residency

Citizenship: U.S. citizens and permanent residents (green card holders) eligible with no special restrictions
Temporary Visa Holders: Must be in U.S. 2+ years, valid U.S. income, and visa types E, H, L, O only
Travel: Any plans to travel or reside outside U.S. in next 12 months must be disclosed. Unstable or sanctioned countries result in declination

8.3 Financial Underwriting Guidelines

Income Replacement – Personal Life Insurance

Age	Maximum Multiple of Income
18–29	40×
30–39	35×
40–49	30×
50–59	20×
60–64	10×
65+	7× (if employed)

Estate Planning Justification

Up to 50% of net worth for single applicants, 100% for joint applicants. Estate valuation worksheet required over $5M face amount.

Juvenile Coverage Guidelines

Coverage limited to $250,000 unless financially justified
Parental or guardian coverage must be in place at equal or greater amount
Grandparents may not be owner unless legal guardian

Business Insurance Guidelines

Buy-Sell, Key Person, and Loan Indemnification accepted with proper documentation
Financial underwriting required over $1M. Business tax returns and CPA verification may be requested
100% face amount limit applies to Buy-Sell; Key Person capped at 10–20× salary