Printable copy: SunTerm underwriting at a glance
This table summarizes the SunTerm underwriting criteria to help you understand which class clients may qualify for.
Printable copy: SunTerm underwriting at a glance
This table summarizes the SunTerm underwriting criteria to help you understand which class clients may qualify for.
Height (ft/in) |
Maximum weight (lbs) | |
---|---|---|
Class 1 | Class 2 and 4 | |
Males & Females | Males & Females | |
4' 8" |
130 |
135 |
4' 9" |
133 |
138 |
4' 10" |
136 |
141 |
4' 11" |
139 |
144 |
5' 0" |
142 |
147 |
5' 1" |
145 |
150 |
5' 2" |
150 |
155 |
5' 3" |
155 |
160 |
5' 4" |
160 |
166 |
5' 5" |
165 |
171 |
5' 6" |
170 |
177 |
5' 7" |
175 |
182 |
5' 8" |
180 |
188 |
5' 9" |
185 |
193 |
5' 10" |
190 |
199 |
5' 11" |
195 |
204 |
6' 0" |
200 |
210 |
6' 1" |
205 |
215 |
6' 2" |
210 |
220 |
6' 3" |
215 |
226 |
6' 4" |
223 |
234 |
6' 5" |
230 |
241 |
6' 6" |
238 |
249 |
6' 7" |
245 |
257 |
6' 8" |
253 |
265 |
6' 9" |
260 |
272 |
6' 10" |
268 |
280 |
6' 11" |
275 |
287 |
Class 1 | Class 2 | Class 4 | ||||
---|---|---|---|---|---|---|
Tobacco use | No use of any product containing nicotine within the last 60 months for example cigarettes, e-cigarettes (when used with nicotine), cigarillos, cigars, pipes, betelnut, chewing tobacco, nicotine gum or patches, etc.) | No use of any product containing nicotine within the last 24 months for example cigarettes, e-cigarettes (when used with nicotine), cigarillos, cigars, pipes, betelnut, chewing tobacco, nicotine gum or patches, etc.) | Preferred smoker | |||
Physical build | For an applicant’s given height, his or her weight must be less than or equal to the corresponding class weight to qualify for that class | For an applicant’s given height, his or her weight must be less than or equal to the corresponding class weight to qualify for that class | For an applicant’s given height, his or her weight must be less than or equal to the corresponding class weight to qualify for that class | |||
Blood pressure (BP) | Must not exceed | Must not exceed | Must not exceed | |||
Age | BP | Age | BP | Age | BP | |
18-39 | 130/75 | 18-39 | 135/80 | 18-39 | 135/80 | |
40-55 | 135/80 | 40-55 | 140/85 | 40-55 | 140/85 | |
56-75 | 140/85 | 56-75 | 145/90 | 56-75 | 145/90 | |
Applicant has never taken medication for blood pressure | With or without medication | With or without medication | ||||
Total cholesterol (TC) and Cholesterol/HDL ratio | Must not exceed | Must not exceed | Must not exceed | |||
Age | BP | Age | BP | Age | BP | |
18-39 | 4.5 | 18-39 | 5.0 | 18-39 | 5.0 | |
40-55 | 5.0 | 40-55 | 5.5 | 40-55 | 5.5 | |
56-75 | 5.5 | 56-75 | 6.0 | 56-75 | 6.0 | |
With or without medication | With or without medication | With or without medication | ||||
Family history | No family diagnosis of cancer, coronary artery disease, or stroke/TIA prior to age 65 in siblings or in parents | No more than one family member diagnosis of cancer, coronary artery disease, or stroke/TIA prior to age 60 in siblings or in parents | No more than one family member diagnosis of cancer, coronary artery disease, or stroke/TIA prior to age 60 in siblings or in parents | |||
Personal history | No history of cancer (except basal cell carcinoma), diabetes, coronary artery disease, or stroke/TIA | No history of cancer (except basal cell carcinoma), diabetes, coronary artery disease, or stroke/TIA | No history of cancer (except basal cell carcinoma), diabetes, coronary artery disease, or stroke/TIA | |||
Driving record | No more than one moving violation in the past 3 years | No more than 2 moving violations in the past 3 years | No more than 2 moving violations in the past 3 years | |||
Driving while impaired (DWI) | No convictions in the past 10 years | No convictions in the past 5 years | No convictions in the past 5 years | |||
Substance abuse | No history of or treatment in the past 10 years | No history of or treatment in the past 5 years | No history of or treatment in the past 5 years | |||
Sports, avocation & aviation | Recreational scuba diving (up to and including 120 feet), otherwise no rateable participation in hazardous sports, avocations or aviation* | Recreational scuba diving (up to and including 120 feet), otherwise no rateable participation in hazardous sports, avocations or aviation* | Recreational scuba diving (up to and including 120 feet), otherwise no rateable participation in hazardous sports, avocations* | |||
Occupation | No rateable occupation* | No rateable occupation* | No rateable occupation* | |||
Travel and residency | No rateable foreign travel and no rateable foreign residence* Non-landed immigrants or temporary residents may not qualify for preferred |
No rateable foreign travel and no rateable foreign residence* Non-landed immigrants or temporary residents may not qualify for preferred |
No rateable foreign travel and no rateable foreign residence* Non-landed immigrants or temporary residents may not qualify for preferred |
* No rateable participation, occupation, foreign travel or foreign residence means anything that would not be accepted at standard rates.
Any non-smoker who doesn’t qualify in class 1 or 2 (includes occasional large cigar smokers, up to 12 per year, with a negative cotinine test).
Any smoker who doesn’t qualify for class 4.
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