Carrier Strengths

Carrier Strengths

CARRIER	RISK CLASS	DEFINITION
TOBACCO USE - Tobacco use must be admitted on app and labs must show positive nicotine results.
John Hancock	Standard NT	No cigarette use for 1 year; other tobacco products ok; no usage restrictions
John Hancock	Quit Smoking Incentive	Will offer Standard NT rates for smokers on the Protection ULG product for the first 3 years to give the insured time to stop smoking. Premium reverts back to smoker rates in the 4th yr if the insured has not proven they quit smoking.
Lincoln National	Standard NT	No cigarette use for 1 year; other tobacco products ok; no usage restrictions
Prudential	Non Smoker Plus	No cigarette use for 1 year; other tobacco products ok; no usage restrictions
CIGAR USE - Cigar use must be admitted on app, labs must be negative for nicotine, and cannot be a previous smoker.
American General	Preferred Best	Occasional cigar use of no more than 1 per week allowed for Preferred Best. Current and past nicotine must be negative for at least 12 months; no use of tobacco products other than cigars for at least 5 yrs.
American National	Preferred Plus	Occasional cigar use of no more than 2 per month and negative HOS allowed for Preferred Plus
Banner	Preferred and Preferred Plus	Occasional cigar which equals one celebratory cigar allowed per month with HO specimen negative for cotinine, admitted on app and exam.
Genworth	Preferred Best	Occasional cigar use of 12 or less per yr and current nicotine is negative can be considered for Preferred Best
John Hancock	Super Preferred	Occasional cigar smoker may qualify for Super Preferred NT if smokes less than 12 cigars per year, has not used any other form of tobacco or nicotine products in last 5 years and urinalysis is free of nicotine or its metabolites
Lincoln National	Preferred Plus	Occasional cigar smoker (up to 12 per year) may qualify for Preferred Plus NT provided urine is negative for nicotine and have not used cigarettes in past 3 years
Lincoln National	Preferred	Occasional cigar smoker (up to 24 per year) may qualify for Preferred NT provided urine is negative for nicotine and have not used cigarettes in past 2 years
MetLife	Preferred Plus	Celebratory cigars (4 per yr) with negative nicotine test qualifies
MetLife	Standard Plus	Alternative forms of tobacco use (cigar, pipe, smokeless tobacco) and urinalysis negative for nicotine allowed
Protective Life	Select Preferred	No use in 5 years; will allow up to 6 celebratory cigars over past 12 months if admitted on app and current urine specimen is negative for nicotine
Protective Life	Preferred	No use in 1 year; will allow up to 12 celebratory cigars over past 12 months if admitted on app and current urine specimen is negative for nicotine
Prudential	Non Smoker Plus	No cigarette use for 1 year; other tobacco products ok; no usage restrictions
Nationwide	Preferred	One celebratory cigar allowed per month with HO specimen negative for cotinine, admitted on app and exam.
Sun Life	Preferred	Occasional cigar smoker (up to 3 per month) with negative nicotine test qualifies
Transamerica	Preferred	No use for 2 years; incidental cigar use allowed up to 1 per month and urinalysis is negative for nicotine; must admit on app
United of Omaha	Preferred Plus	Occasional cigar usage (no more than 12 per year with negative urinalysis) is now acceptable for both Preferred and Preferred Plus as well as Standard Plus classes
West Coast Life	Select Preferred	No use in 5 years; occasional cigar use allowed (up to 6 per year) HOS must be negative
West Coast Life	Preferred	No use for 1 year; occasional cigar use allowed (up to 12 per year) HOS must be negative
DRIVING HISTORY
Genworth	Preferred Best	No DWI, DUI, reckless driving, revocation or suspension in last 5 yrs. (Speeding tickets are not mentioned)
FAMILY HISTORY
American General	Standard Plus	One cardiovascular disease or cancer death prior to age 60 (Parents only)
American National	Standard Plus	No death from CAD or CVA in parents or siblings prior to age 60 (cancer not mentioned)
AXA	Standard Plus	No more than 1 death from CAD for parents <60; no criteria for ages 70+
Banner	Standard Plus	No cardiovascular or cancer death of more than 1 parent before age 60
Genworth	Select	Not more than 1 cardiovascular death in parents before age 60; ages 65+ no limitation (cancer not mentioned)
ING	Super Preferred	If PI<60 no cardiovascular deaths in parents prior to age 65 (cancer not mentioned)
	Preferred	IF PI<60 No cardiovascular deaths in parents prior to age 60 (cancer not mentioned)
	Select	No more than 1 cardiovascular death in parents prior to age 60 (cancer not mentioned)
John Hancock	Preferred	No more than 1 death of a parent or sibling prior to age 60 from coronary artery disease or cancer; age 71+ no limitations
Lincoln Benefit	Standard Select	No more than 1 death of parent from coronary artery disease, stroke, invasive internal cancer or malignant melanoma before age 60; cancer exception: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured
Lincoln National	Preferred Plus	No family history of diabetes or coronary artery disease resulting in death of a parent or sibling prior to age 65 (cancer not mentioned)
Lincoln National	Preferred	No family history of diabetes or coronary artery disease resulting in death of a parent or sibling prior to age 60 (cancer not mentioned)
North American	Standard Plus	Has not had two or more natural parents or siblings die from coronary artery disease or cancer prior to age 60
Union Central	Preferred Plus	No death or diagnosis of parents or siblings with coronary artery, cerebral vascular disease or diabetes prior to age 60 (cancer not mentioned)
United of Omaha	Preferred	No death of parent or sibling prior to age 60 due to heart disease or diabetes (cancer not mentioned)
AVIATION
American National	Preferred Plus	Commercial pilots for regularly scheduled US based airline only
American National	Preferred	Private pilots: Issue ages 25-75, has 100+ hrs, flies between 26-200 hrs per year
Genworth	Preferred	Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year
John Hancock	Preferred	Private pilots with >300 hrs who fly 25-200 hrs yearly; have IFR; OR pilots and crew on regularly scheduled airline flights
Lincoln Benefit	Elite	Commercial pilots for regularly scheduled US based airline only
Lincoln National	Preferred	Private pilots with IFR; fly <250 hrs per yr in US and Canada; clean MVR; <age 70; flies in US or Canada
Protective Life	Preferred (UL only)	Private pilots; age 27-65; 400 solo hrs; 26-200 hrs annually; flying in US and Canada; Possesses IFR or ATR; clean MVR; no abnormal liver function tests
Prudential	Preferred Best	Must have no ratable aviation activities, have a current and valid Private, Commercial or ATP certification, be at least 30 years of age, have 1,000 hours or more of total flight time or flying at least 5 years aviation history, no FAA violations, have at least 100 hours in the current make / model of aircraft, have a valid medical verification without restrictions or special issuance, fly between 30 and 300 hours per year. This is limited to pilots of fixed wing, powered aircraft flights only (no rotorcraft or glider flights.) Business jet pilots are also eligible.
	Preferred	Must have no ratable aviation activities; have a current and valid Private, Commercial or ATP certification; be at least 30 years of age; have 1,000 hours or more of total flight time or flying at least 5 years aviation history; no FAA violations in the past 5 years; have at least 100 hours in the current make/model of aircraft; and fly between 30 and 300 hours per year.
	Standard Plus	Must have no ratable aviation activities, have a current and valid Private, Commercial, or ATP certification; be at 25 years of age; have more than 600 hours flight time or flying at least 3 years; no FAA violations within past 3 years; and fly between 30 and 300 hours per year.
SCUBA DIVING
Genworth	Preferred Best	Recreational diving only to depths of 100 feet, no caves, wrecks, retrievals, ice, search and rescue
Lincoln Benefit	Elite	Recreational diving to max of 50 feet
Prudential	Preferred	To 100 feet with basic open water certification; no more than 10 dives per year

This advertisement is for insurance agents and financial professionals only; not for use with the public and does not apply to variable products. Variable products are processed thru our BD affiliate. National Insurance Brokerage, LLC is a Florida licensed life insurance agency that does business under the name NB Life Insurance Services, LLC in California, NB Life Insurance Services in Georgia, NIB Insurance Brokerage in New York, and NIB Insurance Brokerage, LLC in Texas.

Neither National Insurance Brokerage nor any of its affiliates offer tax or legal advice. Any case discussions are general in nature and are not intended to be construed as advice. Please consult financial professionals familiar with your personal situation prior to making any changes in your own investment strategy or insurance purchases.