MetLife Ventilation Hood Aug-07 User Manual
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Table Acronyms:
DWI = Driving While Intoxicated
FEP = Flat Extra Premium
FEP = Flat Extra Premium
Table Notes:
Other medical or non-medical risks not listed above may preclude
consideration of the Preferred classes.
Values listed in this chart represent the maximum allowable.
consideration of the Preferred classes.
Values listed in this chart represent the maximum allowable.
CRITERIA GUIDELINES: Face amount of $250,000 and over
Criteria
Elite Plus
Preferred Plus/Select Preferred/Elite
Build
Use Build Table in this pamphlet.
Use Build Table in this pamphlet.
Blood Pressure
Age 54 & under
Age 55 & over
130/80 or less
135/85 or less
135/85 or less
No medication within
the last 12 months
140/85 or less
140/90 or less
140/90 or less
No medication within
the last 12 months
Blood and
Urine Profile
Within normal limits
Some elevated results qualify
Cholesterol
Age 54 & under
Age 55 & over
200 or less
210 or less
210 or less
AND Ratio 4.5 or less (all ages)
Available with current medication if acceptable level
maintained for at least 12 months. (all ages)
220 or less and Ratio 5.0 or less
240 or less and Ratio 5.0 or less OR
260 or less and Ratio 4.5 or less
Current medication acceptable if level
maintained for at least 12 months. (all ages)
Personal
Health History
(Subject to documentation
of good health)
No history or treatment for Diabetes, Cancer
(except some non-melanoma skin cancers) or
Cardiovascular Disease. No FEPs.
No history or treatment for Diabetes, Cardiovascular Disease
or Cancer (except some non-melanoma skin cancers).
No FEPs.
Aviation,
Avocation,
Occupation,
Foreign Travel/
Residence,
FEPs
No Aviation except for non-ratable Commercial Pilots.
No ratable Avocations, Occupations or Foreign Travel;
Exclusion Riders acceptable where available
No Foreign residence, except Canada.
No FEPs for any reason.
No Aviation except for non-ratable Commercial Pilots.
No ratable Avocations, Occupations or Foreign Travel;
Exclusion Riders acceptable where available.
No Foreign residence, except Canada.
No FEPs for any reason.
Driving History
No DWI convictions within past 5 years.
Maximum of 2 moving violations within past 5 years
No DWI convictions within past 5 years.
Maximum of 2 moving violations within past 3 years
Substance Abuse
(Alcohol/Drugs)
No history or treatment
No history or treatment
Family History
(Not Applicable to Proposed
Insureds age 66 or older)
No death from Cardiovascular Disease or Cancer
(some cancers may qualify) in parents prior to
age 60 or in siblings prior to age 65.
No death from Cardiovascular Disease or Cancer
(some cancers may qualify) in parents
prior to age 60 or in siblings prior to age 65.
(A “wellness” consideration may be allowed for
proposed insureds ages 50–65 to offset one
early family history death due to
Cardiovascular Disease or Cancer.)
(A “wellness” consideration may be allowed for
proposed insureds ages 40–65 to offset one
early family history death due to
Cardiovascular Disease or Cancer.)
Tobacco
No use of nicotine (in any form) for
past 60 months and negative nicotine test
No use of nicotine (in any form) for
past 60 months and negative nicotine test
ELITE PLUS: Ages 18 –75 where available.
PREFERRED PLUS: Ages 18 –75 where available.
SELECT PREFERRED/ELITE: Ages 18 – 80 where available.
SELECT PREFERRED/ELITE: Ages 18 – 80 where available.