|
Class Code
|
Risk Class
|
Risk Group
|
Risk Rating
|
Health Rating
|
|---|---|---|---|---|
|
UPNT
|
Ultra Preferred Non-Tobacco
|
Non-Tobacco
|
Preferred
|
Excellent
|
|
SPNT
|
Select Preferred Non-Tobacco
|
Non-Tobacco
|
Preferred
|
Good
|
|
NT
|
Standard Non-Tobacco
|
Non-Tobacco
|
Standard
|
Average
|
|
SPT
|
Select Preferred Tobacco
|
Tobacco
|
Standard
|
Fair
|
|
T
|
Standard Tobacco
|
Tobacco
|
Standard
|
Poor
|
– Table ratings and temporary flat extras are available for a substandard (rated) risk rating. Declined risks cannot be covered.
– The replacement of an existing life insurance and annuity policy are not permitted.
– We do not provide tax or legal advice regarding a life insurance or annuity policy. Please consult with a tax or legal professional.
– When completing an application for a life insurance policy, please note that the proposed insured and policyowner are required to:
(1) Be citizens and residents of the United States of America (USA).
(2) Have government-issued identification such as a Social Security Number (SSN) or Taxpayer Identification Number (TIN).
(3) Have “insurable interest”; the proposed policyowner is exposed to the risk of financial loss upon the death of the proposed insured. The named policyowner is typically also the named insured, but may be a different legal person or entity.