Protective Life Underwriting Guidelines

Applicants age 0 – 59 who are rated over Table 4 will be considered on a case-by-case basis if there is no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death.  These medical conditions and treatments include, but are not limited to:

• Heart disease
• Significant cancer in the last 10 years
• Obesity rated higher than Table 4
• Diabetes
• Pulmonary disease (COPD, Asthma, etc.)
• Autoimmune or Immunosuppressive Disease
• Any medication that causes immunosuppression (Biologic, Prednisone/Steroid, Methotrexate, etc.)

These temporary changes apply to all new or pending cases with no final underwriting offer or outstanding underwriting requirements.  They do not apply to issued or approved cases that are awaiting policy issue requirements, including a Statement of Health.

Applications that were postponed due to our prior temporary underwriting limitations that may now be eligible for consideration within the revised guidelines may be reopened and reviewed as requested.  We will not be automatically reopening cases that were previously postponed due to COVID-19 limitations.

Statement of Health:

All fully underwritten coverage approved on any applicant, regardless of age or face amount, continues to require a Statement of Health to be signed on delivery.  This includes applicants who are not approved for instant issue of simplified issue life insurance.

PREFERRED

Blood Pressure – Through Age 70 Average from current medical exam ad history readings within the last year do not exceed 140/90 through age 60 or 150/90 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS  readings throughout the year. OVER Age 70 Average from exam and readings within the last year may not exceed 160/95. Treated blood pressure must have been controlled  or one year with favorable APS readings throughout the year.

Cholesterol – Through Age 70 Average from current medical exam ad history readings within the last year do not exceed 140/90 through age 60 or 150/90 for ages 61-70. Treated blood pressure must have been controlled for one year with favorable APS readings throughout the year. OVER Age 70 Average from exam and readings within the last year may not exceed 160/95. Treated blood pressure must have been controlled  or one year with favorable APS readings throughout the year.

Family History – Through Age 70 No death from cancer*, heart disease, or any cardiac-related condition, of either natural parent or sibling prior to age  60. Waived if the applicant is actual age 60 or older unless both natural parents died from one of the same preceding impairments prior to  age 60. *Family history cancers are limited to those types that clearly demonstrate a genetic predisposition, i.e. breast, colon, prostate, ovarian,  melanoma, lung cancer.  OVER Age 70 None.

Tobacco Definition – Through Age 70 No nicotine use of any kind during the last 24 months (urine specimen negative). Will allow up to 12 celebratory cigars  over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative  for nicotine. Over Age 70 No nicotine use of any kind during the last 24 months (urine specimen negative). Will allow up to 12 celebratory cigars  over the past 12 months if usage is admitted on the application and/or medical examination and the current urine specimen is negative  for nicotine.

Motor Vehicle Report – Through Age 70 Not available if three or more moving violations in the last three years or any DUI or reckless driving in the last five  years. OVER Age 70 Not available if three or more moving violations in the last three years or any DUI or reckless driving in the last five  years.

Residence/Citizenship – Through Age 70 Citizen of U.S.  (including Puerto Rico) or Canada or proof of permanent residence. Over Age 70 Citizen of U.S.  (including Puerto Rico) or Canada or proof of permanent residence.