American General Underwriting Guidelines for the LTG_ULTRA C term life insurance plan


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American General

Underwriting Guidelines

American General Life - LTG-ULTRA C Underwriting Guidelines
Classes	Preferred Plus Nontobacco Preferred Nontobacco Standard Plus Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Special Nontobacco Special Tobacco
Re-entry	At the end of the level premium period, the policy can be exchanged to a new policy with satisfactory proof of insurability. The new policy will have a new level premium and guarantee period. The new policy will be subject to the issue age limitations. The premium of the new policy will be based on the attained age and the premium rate in effect at the time of re-entry.
Tobacco Definition	Preferred Plus Nontobacco - No tobacco use for 5 years Preferred Nontobacco - No tobacco use for 3 years Standard Plus Nontobacco - No tobacco use for 2 year Standard Nontobacco - No tobacco use for 1 year *Note-Underwriting is willing to consider the occasional cigar smoker under the following guidelines: The use must be admitted at the time of application or inquiry and all case data must coincide with the admitted degree of usage. No more than one cigar per week No nicotine metabolites(cotinine) may be present in the urinalysis done for AIG or any other company within the past 12 months No use of tobacco products other than occasional cigars for at least 5 years prior to the time of application or inquiry
Special Underwriting Features	Preferred Plus Tobacco use: None in last 5 years Aviation or hazardous avocation: No Cholesterol: If HDL <4.0, 240 Blood pressure:: 0-60: 140/85 61+ 150/85 No blood pressure treatment MVR: 1 violation in past 3 years; No DUI, reckless, revocation or suspension in last 5 years Family History: No cardiovascular disease or cancer prior to age 60 (parents only) Personal History: No cancer or ratable impairment Preferrred NonTobacco Tobacco use:: None in last 3 years Aviation or hazardous avocation: No Cholesterol: If HDL <5.0, 260 Blood pressure: 0-60: 145/88 61+ 155/88 Or Pref. Plus BP reading w/treatment MVR: 2 violations in past 3 years; No DUI, reckless, revocation or suspension in last 5 yearss Family History: No cardiovascular or cancer death prior to age 60 (parents only) Personal History: No cancer or ratable impairment Standard Plus Tobacco use: None in last 2 years Aviation or hazardous avocation: With flat extra Cholesterol: If HDL <6.0, 280 Blood pressure: 0-60: 150/92 61+ 160/92 Or Pref. Plus BP reading w/treatment MVR: 2 violations in past 3 years; No DUI, reckless, revocation or suspension in last 5 yearss Family History: One cardiovascular or cancer death prior to age 60 (parents only) Personal History: Standard NonTobacco Tobacco use: None in last year Aviation or hazardous avocation: With flat extra Cholesterol: If HDL <7.5, 280 Blood pressure:: 0-60: 160/95 61+ 170/100 Or Pref. NT BP reading w/treatment MVR: 3 violations in past 3 years; No DUI, reckless, revocation or suspension in last 3 years Preferred Tobacco Aviation or hazardous avocation: No Cholesterol: If HDL <5.5, 235 If HDL <5.0, 260 Blood pressure: 0-60: 145/88 61+ 155/88 Or Pref. Plus BP reading w/treatment MVR: 2 violations in past 3 years; No DUI, reckless, revocation or suspension in last 5 yearss Family History: No cardiovascular or cancer death prior to age 60 (parents only) Personal History: No cancer or ratable impairment Standard Tobacco Aviation or hazardous avocation: With Flat Extra Cholesterol: If HDL <7.5, 280 Blood pressure: 0-60: 160/95 61+ 170/100 Or Pref. NT BP reading w/treatment MVR: 3 violations in past 3 years; No DUI, reckless, revocation or suspension in last 3 years