IUL UW guide (full uw products) & Product Flow Chart

	A	B	C	D	E	F
1		F&G	NLG	North American	Mutual of Omaha	Columbus Life

2	100% total and permanent disability	Clarification of what is causing the disability initially and causing the pain would need to be clarified as well if there are any complications, severity of the disorder, if the applicant is compliant with treatment and follow up and current medical status.
3	ADD/ADHD	Any possible consideration would depend on the severity of the disorder or if there are any other mental or neurological disorders. severity looks at what the child’s symptoms are and the manuals do not label the disorder as having “levels”. If the disorder was diagnosed in the past 6 months or is still under investigation – an application would not be considered at this time. If the disorder is more severe or there are mental or neurological disorders as well – then most likely we will not be able to consider an application.	So, as long as they’re able to do what a “normal” child of their age should be doing, they are generally okay. (Dressing themselves, eating functionally, controlling their bowel movements, etc). Generally, they're okay as long as the child is capable of what they should be doing for their age. Just make sure the agents disclose it.
4	Alcohol/Drug Abuse	5+ years **** Typically, an applicant would not be considered unless the applicant is at least 3 years out since the completion of a single treatment with no relapses for possible rated coverage. If there is a history of relapse, multiple treatments – then it would be a situation where the person would need to have completed treatment for at least 5 years and then any possible offer is a situation of Individual consideration. Completion of treatment – means they are off all medications – so if they are medication to prevent relapses, cravings – this is considered part of treatment. For substance abuse we would clarify type of substance abused, when completed treatment, if any relapses, any history of suicide attempts or suicide thoughts, any complications or residuals and if applicant is compliant with follow care.	Drug abuse (total abstinence for 5 years) = No rating to Decline. Alcoholism (total abstinence >2 years) Moderate rating to Standard. Client is uninsurable if abuse of any kind is less than the mentioned years.	Substance Abuse - It all depends on the type of drug abused , date of last usage of medications/rehab details ? we would generally postpone for 3 years from the date of last substance abuse noted.	Criminal History/substance abuse - 10 year look back. If on any medications to prevent using, 10 years from the time they stop that medication	Situational
5	Asthma	To properly classify Asthma we would need information as to how often do they have symptoms, type of medication prescribed, results of any pulmonary tests, if they are been off work for a period of time due to asthma or required hospitalization, are there any complications or residuals or tobacco use. If the attack was mild, no hospitalization, no daily symptoms, no residuals or complications, no indication of off works for several days, no indication of pulmonary tests showing low scores and no required use of continue steroids – possibly looking at Standard rates subject to clarification of the history and results of age/amount requirements.
6	Autisim		So, as long as they’re able to do what a “normal” child of their age should be doing, they are generally okay. (Dressing themselves, eating functionally, controlling their bowel movements, etc). Generally, they're okay as long as the child is capable of what they should be doing for their age. Just make sure the agents disclose it.
7	Bipolar	possible Table D due to history of Bipolar. The rate assumes the Bipolar is controlled and stable.	tentative Express Standard NT1 without chronic illness rider. This quote assumes the condition is well controlled and the symptoms are stable.		Table 2-Decline (No IULE)
8	Bipolar w/ Marijuana use	f the Marijuana is not medical prescribed Marijuana – we would not be able to consider an application for coverage. If the applicant uses Medical Marijuana only (Applicant would need to have a Medical Marijuana card and medical records confirm the reason for the usage) – then this would be a situation of “Individuals consideration” as medical records would need to be obtain. The history of Bipolar – just based on what we know at this time would generate at least a possible Table 4 (Table D) subject to clarification if disorder is controlled, any complications/residuals, any hospitalization or suicide thoughts/action, if compliant with treatment and current status. Any other ratings for other medical history would need to be added to the rating for the Bipolar. So, at this point if the Marijuana is Medical Marijuana only – we are looking at least a possible Table 4 (Table D) subject to clarification of medical history and results of age/amount requirements		If submitted, file would need to be reviewed by Medical Director due to history of bipolar disorder and depression with marijuana usage and if insurable, a rating would be given at that time.	This client would be declined	reinsurance - we can run cases "outside our box" through them. they seem to take on a little more risk than the insurance companies. Often a decline is a decline. But they have the final say. Admitted marijuana use is a frequent reason to use the reinsurance companies(they are Std NT where we are smoker) It is broker initiated.it takes about 3 business days on average, up to 5.
9	Cancer	The carriers will need additional information to clarify. These area few questions I know they'll ask, but there could be more based off the answers below 1) how the cancer was classified 2) if any spreading or recurrences 3) if any complications or residuals 4) if there was any radiation AND if any surgery was done prior to radiation 5) what the pathology results were as far as how the tumor (if applicable) was classified 6) if the applicant is compliant with follow up care	Cancer 5+ years in the clear typically. Avoid usually when in 1-2 year range of remission
10	Child IUL	Based on the information provided – we would need to know the following: What is the amount of coverage inforce on the parents? What is the household income of the parents? What are the occupations of the parents? What is the net worth of the parents? Do any siblings have similar amounts of coverage? If not – why? How was the amount arrived at and what is the purpose of the coverage? Any other coverage on the child? If so, need details. If the child and parents are not US citizens or have permanent residence cards – we’ll then need to follow guidelines for Foreign nationals when reviewing the case and obtain additional questionnaire and unexpired photo ID’s. Medical records on the child would be required and we will need to verify with the reinsurance company the amount is acceptable as they will be assuming part of Risk. (anything over $1 million is reinsured)
11	Child IUL - Parents w/ no coverage	F&G guidelines state that parents should have coverage on themselves and this can include Group insurance but not be their only source of insurance. With that said – F&G will consider up to a max of $200,000 (both inforce and applied for) on a child without clarifying the amount of coverage on the parents. Please keep in mind if the child has coverage with another company – we would clarify what the parents and siblings have inforce. While F&G would not investigate amounts up to $200,000 – it is discouraged to use this as a way to get around the parents not having coverage.	If the parents aren’t insured, we can go up to $100/mo or have a 100k death benefit. If both parents are uninsurable, we can potentially go higher.
12	Congestive heart failure		Table 6 to Decline
13	CPAP	possible Standard rates subject to clarification medical history regarding severity of sleep apnea, when diagnosed and started CPAP, if any complications or residuals, if any continued symptoms and if compliant with symptoms.
14	Diabetes	with a recent diagnosis of Diabetes – we would not consider an application at this time. Possible reconsideration after 6 months if documentation from a physician is available to determine how well controlled the Diabetes has been, if the applicant is compliant with treatment and follow up and if any development of complications/residuals			IULE - Decline if diagnosed before age 45	older clients who have type 2 (and controlled) they can often be offered Standard. Table shave from C to Standard is available and they also have all living benefits. (If it is a brand new discovery on our lab results – we will say to PP for 6 mos. for insured to see their doctor and start medications. With insured already evaluated and started on medications – We are ok to consider immediately.)
15	Diabetes w/ Neuropathy					If nothing else, tentative table D
16	Dialysis	Dialysis is a automatic decline	Dialysis is a decline	Dialysis is a decline	Dialysis is a decline
17	Disability	Table D (Table 4) - Clarification of what is causing the disability initially and causing the pain would need to be clarified as well if there are any complications, severity of the disorder, if the applicant is compliant with treatment and follow up and current medical status.
18	DUI	If single DUI offense, no other violations – if within 5 years – looking at possible Standard rates. If DUI was 6 years ago – single offense, no other violations – looking at possible Preferred rates. Any possible offer is subject to the results of the age/amount requirements. Two DUI's, no other driving violations, no substance treatment - possible $5.00 flat extra per thousand for 3 years. Current DUI awaiting charges, eligible at standard but a flat rate of $3.50 for a min of 3 years.	DUI - Postpone 1 year from violation date. Then tentative Standard NT with a temporary flat extra of $2.50 per thousand of coverage for 3 years. This quote assumes no other driving violations in the last 5 years. The license must be in good standing too.	Current DUI awaiting charges - standard with $5 per $1000 temporary flat extra charge for 3 years with noted DUI: Assuming driving privileges are not revoked; No health issues & all else fits with in the rate class.	Current DUI awaiting charges - postponed. 10 year lookback for IULE	Current DUI awaiting charges - postponed. Once eligible there would be a flat extra for $3.50 per thousand for three years minimum (case by case) (depends on the age of the applicant)
19	Felony	Felony criminal history is “Individual consideration” as it would depend on the type of felony, if there are other violations, when they finished any probation or parole and what the current status is regarding stable home life and employment. Based on the information provided below – if the felony was a single felony (no other convictions), she was not changed with drug trafficking and she has a stable home life, employment – possibly looking at Standard rates subject to clarification of personal and medical history and results of the age/amount requirements. Decline without consideration of time - felonies against another person is the main reason. Murder, rape, assault, kidnapping etc.	Technically they say felony is a decline. But 10-15+ years should be fine. f it’s their only one and everything else is good then they should be fine Just make sure they disclose it.	Large Criminal history or specific type of assault would be decline. 5 years since released from probation. case by case depending on charges. Standard $5 per $1000 of temporary flat extra charges for 5 years would apply.	Eligible to apply if past 10 years of being released off probation from the felony charge	Lenient on Felony's and Probabtion - still case by case, but possibly standard rates. Large Criminial history or specific type of assault would be decline
20	Hashimoto’s disease	Hashimoto’s disease for an adult – possible consideration will depend on how well controlled the disorder is, any complications or residuals. Typically Adults with this type of disorder either enter Hyperthyroidism or Hypothyroidism. Most Adults with Hypothyroidism – as long as controlled and no complications or residuals – possible Standard rates. Adults with Hyperthyroidism – are Individual consideration as there is more of a risk of complications such as rapid heart rates, weight loss, etc. For Juveniles – if they have Hyperthyroidism – we are unable to consider an application. If they have Hypothyroidism – then it will depend on how well controlled and any complications or residuals. There are more concerns for development issues along with any cardiac issues. Children who are diagnosed early, well controlled, thyroid results normal, no complications or residuals – possible Standard rates.	Unable to consider a client for coverage on a Juvenile with Hashimoto’s Disease	Based on the information provided on Juvenile Hashimoto’s Disease, it’s possible we could offer a Standard rating; Assuming adequate treatment, currently euthyroid, confirmed normal cognitive and physical development; however the full file would need reviewed formally and referred to the MD for the final determination.
21	Heart Attack		Heart attack (depends on age/severity) No rating to Decline. Angioplasty/Bypass or MI/Heart Attack in the last six months; or in combination with history of diabetes, stroke and/or continued tobacco use			we’d have to see the cardiologist records for specifics of the heart attack/coronary artery disease. Could be Standard through Table Shave but certainly could be worse, depending on the details
22	HIV	We will underwrite HIV positive clients; at best it will be highly rated table 6-8	NO HIV	All HIV cases require a formal application with full underwriting and review from the Medical Director. Not able to provide a tentative rating before hand, but rating will be high		only underwrite HIV in California (California has a mandate to underwrite)
23	Hypothyroidism	No issues or complications, standard +
24	ITIN/Foreign Nationals	Accepts Tax ID for identification (ITIN) - Unable to consider an application on Foreign Nationals if their occupations are Diplomats, Government leaders or political figures.	Accepts Tax ID (ITIN) as long as living in us 8/12 months. Foreign National - we do not consider coverage on politically exposed persons (PEP's)	only allows an ITIN if the applicant has on of the acceptable VISA type found in the Foreign National guide (either green cards or permanent US citizenship or a valid VISA is established)	No	ITIN Question - We accept anyone with 12 months of residency and a valid Social security number or ID number. A Green card or any document similar would work. We can use most Visa’s but the candidate must be in the country legally.
25	Juvenile Asthma	If the Applicant is Age 21 or Age 22 – we would handle as an adult with Asthma. We would not look back to when they were first diagnosed for this particular disorder. Based on the information provided below – mild asthma, no continued use of medication and no indication of any complications or residuals and no tobacco use – possible Preferred rates subject to clarification of medical history and results of Age/amount requirements. If the applicant is a juvenile – 21 or 22 months old – regret we would not be able to consider at this time. The child would need to be older in order to determine how the child reacts to treatment, if there are any complications, etc.	It’s case by case. If they’re older now, like adult, should be fine. Make sure to disclose on application
26	Juvenile Build
27	Juvenile Diabetes	Decline	Decline if diagnosed before age 20	Decline	Decline Always	Juvenile Diabetes (type 1) would generally be a high rating to uninsured. No living benefits or ADBR's for type 2 or older clients who have type 2 (and controlled) they can often be offered Standard. Table shave from C to Standard is available and they also have all living benefits.
28	Juvenile w/ Mood Disorder	Applications on Juveniles where Mood disorders diagnosed (except for Attention deficit disorders) regret are not considered for possible coverage until the children are older – adult age – Age 18	Applications on Juveniles where Mood disorders diagnosed are not considered for possible coverage until the children are older – adult age – Age 18	possible standard to table 2 NT due to Anxiety. Assuming Anxiety is stable; no hospitalization/SI in past 5 years, no missed work, no alcohol/drug misuse/abuse in last 10 years; well controlled risk factors and no other ratable medical impairments
29	lung fibrosis		Interstitial lung disease (lung fibrosis) is not an acceptable condition			Cellcept is an organ transplant rejection medication so that leads me to believe the condition is pretty significant. · Is the client using supplemental oxygen at any time? · What was he cause of the interstitial lung disease and is the client still exposed to the cause? · What is the extent of pulmonary fibrosis (FVC % from last pulmonary function test) · How far are they able to walk and/or climb steps? · Any tobacco use?
30	Marijuana	Marijuana over age 18 (eligible) "A “yes” answer to the use of Marijuana does not automatically require an exam and labs. An application may be reviewed under the Exam Free program. With that said - clarification of the Marijuana usage will be required and the Underwriter does have the discretion of ordering and exam and labs if the history warrants the items being needed or the age/amount requires an exam and labs. Individuals who smoke Marijuana are classified as Nontobacco unless we learn of tobacco use or have positive Nicotine findings on a test. For Marijuana usage it will depend on: - How often they use Marijuana – if using more than 3 times a week – no Preferred. If using more than 10 times a week – coverage not available. - The amount being used – if using more than 3 grams in a week – limits to no better than standard. - If there is any history of abuse or criminal history – would need details to determine any possible offer. - If it is used for medical purpose, we will need to know what type of medical disorder requires the usage and - if they have a medical Marijuana card. - How old the applicant is. If Age 18 or younger – coverage is not available."	Smoke it once per month - non smoker rates Eating Edibles, 2-3 times per month - non smoker rates More frequent - smoker Weekly - smoker rates, possibly decline we would go by what is put on the app If they’re unemployed - no. If they are working full time, no speeding tickets, good credit score, slam dunk.	Marijuana over age 21 (decline if under age 21)		"We ask them to admit usage on the app. If they admit usage we have a short questionnaire on how many times per week? We hope for 1 or 2 times weekly. Then they are standard smoker rates.(if otherwise healthy) We do ask to check with Reinsurance (RGA does go standard on marijuana users. So with RGAs input we then will use Standard non tobacco."
31	Military	Military - possible Preferred or Standard rates subject to clarification of what their duties will be for the military, if any deployment orders, and the results of the Age/amount requirements and amount being applied for. Please note if any duties involving special forces, demolition teams or other high risk jobs – flat ratings may be applied.
32	Multiple sclerosis	For Multiple sclerosis – we would need to clarify the following: When was the disorder diagnosed? Was it classified as progressive or relapsing-remitting? What degree of disability do they experience – mild, moderate, severe or extreme? (basically how much does it impact their ability to perform daily function, ability to be employed, impact their ability to be socially active) What type of treatment are they receiving? Any other complications or residuals from the disorder? Any other significant medical history? We would request either a telephone interview or medical records to clarify the history.	Table 2 - Decline	In order to rate accurately please help me with exact date of diagnosis, degree of disability (mild/ moderate/ severe)? With the noted details, limited details, we can offer Table 2, assuming multiple sclerosis, greater than 1 year since diagnosis, degree of disability nor more than mild, (i.e. ranging from without symptoms to minimal disability i.e. slight weakness or gait disturbance), and if otherwise medially qualifies.	Table 2-Decline (No IULE)	MS will be rated tentative Table B at best for mild Benign MS and rates will go up from there depending on type and severity of the disease The Living benefits are not available for MS
33	Organ Transplant
34	Overweight Juvenile	Decline	Express 2 - Decline	Minimum Table 6	Decline	Decline
35	Probation	No coverage for someone on probation. Will be eligible when off probation for a minimum of one year with proof of when it was lifted	No coverage for someone on probation. No specific time off of probation to be eligible, need to be working, case by case.	postponement period after probation may vary between 2-5-10-20 years based on the type (M/F)		No coverage for someone on probation. Postpone one year after being off. Exceptions can be made under certain circumstances.
36	Rheumatoid Arthritis	It will depend on the severity and type of treatment being used. There are many variables, but for the most part Rheumatoid Arthritis is usually insurable. If you provide the first diagnosis, the symptoms, if there is any disability and treatment we can give an estimate. Typicall table B (Express standard is the equivalent of Table B.)	Typically standard express 1, chronic illness might be off of the table. Depends on severity, ADL, and meds	In order to accurately rate, please help me with the age of the applicant, date of diagnosis of Rheumatoid arthritis and treatment details if any? Typically starting at Table 2	decline for IULE	Table B if mild or Table C if more severe
37	Sarcoidosis	What organs are involved with this condition? When was he diagnosed? Does he work? Is he able to complete all activities of daily living? Does he take any other medications? What is his height and weight?	Same	Same	Same	Same
38	Seizures	When was last seizure? How often do they have seizures? How severe is the seizure when they have one? Any hospitalizations? What medications?	Decline - Epilepsy/Seizures diagnosed within one year
39	Stroke	Cannot consider for coverage until it has been 36 months from the time of the stroke, we can revisit at that time. Typically a Table F depending on severity and history	Stroke - Express Standard NT2 without chronic illness rider, critical illness rider and critical injury rider (these riders are not available with this rate class period)	Stroke - Table 6	Decline - IULE	underwriting would look at how mild or moderate the stroke was at the time. In general, a moderate stroke on a 50 yo would be a table B to D and no Living Benefits (ADBR's) would be available. No accelerated underwriting, the would be fully underwritten.
40	Suspended DL	not be eligible for coverage based on the driving history listed below of multiple speeding tickets. Possible reconsideration one year after her last violation subject to current driving status and age/amount requirements. (Not knowing the amount of excessive speed over the posted limit may impact when we could possible consider.) Basically, there are too many tickets between 2022 and 2023 that are causing the issue. If she receiving any more citations during this time frame, that will cause issues with any possible reconsideration.	Decline until reinstated	If license is suspended, we would postpone until it’s reinstated. If license is reinstated, they would be eligible for coverage, subject to details Speeding (mph over the posted limit) in each category	if it was due to reckless driving or a DUI, those are covered on the application, and would cause a decline. If it was something like not paying a ticket, we are okay with that. one more stipulation. If she has had 4 or more moving violations in the last five years would also be a decline.	need to see the MVR to know for sure but it is likely a decline for us. They multiple suspension would likely result in a decline
41	Tobacco/Nicotine Rates	Stopped after 1 year - Standard rates. Stopped after 2 years - preferred rates
42	Tumors					need to review medical records for the specific types of tumors that were found, if there was any evidence of malignancy, any complications/residual issues related to the tumors and all testing done with the results.
43			UW Guide - https://merrillconnect.iscorp.com/nlg/viewDocument.action?itemNbr=62797

	A	B	C	D
1	Flow Chart
2	Annuity	IUL	Infinite Banking	Premium Finance
3	Qualified Money	Tax Free Retirement	Debt Pay off plans	IUL for 10+ Million Net Worth Clients
4	Uninsurable clients	Larger Death Benefit need	Need for immediate access
5	1st option for Lump Sum	2nd Option for Lump Sum	3rd Option for Lump Sum
6	No need for access to money before 59.5	Need for Living Benefits	Guaranteed dividend vs Index Return
7	1035 Surrenders	Access to money in 15+ years	Wants no surrender on cash
8		Higher earning potential than WL but not guaranteed	Can pay premium above and beyond cost of insurance