Alcohol & Substance Abuse

Alcohol & Substance Abuse

CARRIER	RISK CLASS	DEFINITION
American National	All	No history of abuse for past 10 years
AVIVA	Premier NT	No history
AVIVA	Preferred	No history
AXA	Preferred Elite	No history
	Preferred	No history of abuse for past 8 years
	Standard Plus	No history of abuse for past 5 years
Banner	Preferred Plus	No history
	Preferred	No history of abuse for past 10 years
	Standard Plus	No history of abuse for past 7 years
	Standard	No history of abuse for past 7 years
Genworth	Preferred Best	No history
	Preferred	No history of abuse for past 10 years
	Select	No history of abuse for past 7 years
	Standard	No history of abuse for past 7 years
Guardian	Preferred Plus NT	None allowed
Guardian	Preferred NT	None allowed
ING	Super Preferred	No history of abuse for past 10 years
	Preferred	No history of abuse for past 10 years
	Select	No ratable history of abuse
John Hancock	Super Preferred	No history of abuse for past 10 years
	Preferred	No history of abuse for past 10 years
	Standard Plus	Must be standard
Lincoln Benefit	Preferred Elite	No history
	Preferred	No history
	Standard Select	No history of abuse for past 5 years
	Standard	No history of abuse for past 5 years
Lincoln National	Preferred Plus	No history of abuse for past 10 years
Lincoln National	Preferred	No history of abuse for past 7 years
MetLife	Elite Plus	No history of treatment
	Preferred Plus	No history of treatment
	Standard Plus	No history of treatment for past 10 years
	Standard	Not ratable or ratable with flat extra premiums
Nationwide	Preferred Plus	No history
Nationwide	Preferred	No history of abuse for past 10 years
North American	Super Preferred	No history
	Preferred	No history of abuse or treatment for past 10 years
	Standard Plus	No history of abuse or treatment for past 7 years
Protective Life	Select Preferred	No history of treatment
	Preferred	No history of treatment
	Standard	No history of treatment for past 5 years - no relapses
Prudential	Preferred Best	No history of abuse or treatment and no current drug use
	Preferred	No history of abuse or treatment for past 10 years and no current drug use
	Nonsmoker Plus	Actual alcohol/drug history will be evaluated to determine qualification; history requiring a rating not permitted
Transamerica	Preferred Plus	No history of treatment
	Preferred	No history of treatment
	Standard Plus	No history of treatment for past 10 years
Union Central	Preferred Plus	No history of treatment
	Preferred	No history of treatment for past 10 years
	Select	No history of treatment for past 8 years
United of Omaha	Preferred	No history of treatment for past 10 years
West Coast Life	Select Preferred	No history of treatment
	Preferred	No history of treatment
	Standard	No history of treatment for past 5 years - no relapses

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