MetLife Ventilation Hood Aug-07 User Manual
Routine APS Requirements
If your client has had a checkup/physical exam
within 12–24 months, an APS should be ordered
based on the following.
within 12–24 months, an APS should be ordered
based on the following.
Ages
Checkup within
Checkup within
12 Months
13 – 24 Months
0
$100,001 and over
1–14
$250,000 and over
15–50
$1,000,001 and over
Not Applicable
51–60
$500,001 and over
61 +
$100,000 and over
$100,000 and over
Motor Vehicle Records (MVR)
For the following ages and amounts, driving records
will be ordered routinely for all persons proposed for
insurance.
will be ordered routinely for all persons proposed for
insurance.
Proposed Insured
Amounts
Ages 18 – 35
$100,000 and over
Ages 36 – 65
$1,000,001 and over
Ages 66 and older
$250,000 and over
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Tobacco Use Guidelines
For Elite Plus, Preferred Plus, Select Preferred, Elite,
Standard Plus, Preferred Nonsmoker and Preferred
Smoker, proposed insureds must meet all other criteria.
Cigars, pipes and smokeless tobacco with negative urine
specimen qualify for nonsmoker rates; however,
Standard Plus and Preferred Nonsmoker are the best
available classes. Regardless of admission of cigarette
smoking or tobacco use, appropriate smoker class
assigned when urine is positive for nicotine.
Standard Plus, Preferred Nonsmoker and Preferred
Smoker, proposed insureds must meet all other criteria.
Cigars, pipes and smokeless tobacco with negative urine
specimen qualify for nonsmoker rates; however,
Standard Plus and Preferred Nonsmoker are the best
available classes. Regardless of admission of cigarette
smoking or tobacco use, appropriate smoker class
assigned when urine is positive for nicotine.
Elite Plus, Preferred Plus, Select Preferred or Elite
(Non-tobacco)— No tobacco (in any form) or nico-
tine substitute use (e.g., nicotine patch, gum, nasal
spray) within 5 years (60 months) of application and
urinalysis negative for nicotine. Celebratory cigars (e.g.
4 per year), with negative nicotine test, qualifies for
Select Preferred, Preferred Plus and Elite, not Elite Plus.
(Non-tobacco)— No tobacco (in any form) or nico-
tine substitute use (e.g., nicotine patch, gum, nasal
spray) within 5 years (60 months) of application and
urinalysis negative for nicotine. Celebratory cigars (e.g.
4 per year), with negative nicotine test, qualifies for
Select Preferred, Preferred Plus and Elite, not Elite Plus.
Standard Plus or Preferred Nonsmoker (Non-
Tobacco)—No cigarette smoking or use of nicotine
substitutes within 24 months of application and
urinalysis negative for nicotine; alternate forms of
tobacco use (cigar, pipe or smokeless tobacco) currently
or in the past and urinalysis negative for nicotine.
Tobacco)—No cigarette smoking or use of nicotine
substitutes within 24 months of application and
urinalysis negative for nicotine; alternate forms of
tobacco use (cigar, pipe or smokeless tobacco) currently
or in the past and urinalysis negative for nicotine.
Preferred Smoker— Cigarette smoking or use of
tobacco substitutes currently or within 24 months of
application; or a urinalysis positive for nicotine.
tobacco substitutes currently or within 24 months of
application; or a urinalysis positive for nicotine.
Standard or Substandard Nonsmoker*— Average or
impaired risk, no cigarette smoking or use of nicotine
substitutes within 12 months of application; tests
negative for nicotine or no testing required.
impaired risk, no cigarette smoking or use of nicotine
substitutes within 12 months of application; tests
negative for nicotine or no testing required.
Standard or Substandard Smoker*— Average or
impaired risk, cigarette smoking or use of nicotine
substitutes within 12 months of application.
impaired risk, cigarette smoking or use of nicotine
substitutes within 12 months of application.
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* Note: You are reminded that for Juvenile Standard and Juvenile substan-
dard (ages 0-17), tobacco use guidelines are not applicable and premium
rates make no distinction for cigarette smoking or tobacco use.
rates make no distinction for cigarette smoking or tobacco use.