Bridge Term Advisor Guide
Advisor use only
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Risk classes and underwriting
We offer two risk classes for Bridge Term. Preferred underwriting is not available.
- Non-smoker: Class 3
- Smoker: Class 5
Class 3
No tobacco use for 12 months, good health and lifestyle.
To be considered for Class 3, the proposed insured must not have had any tobacco products in the past 12 months including cigarillos, cigars and smoking cessation products.
