MetLife Ventilation Hood Aug-07 Manual De Usuario

“For Internal Use Only.” All underwriting guidelines are
subject to change. Individual case circumstances may
cause changes or additional requirements to be ordered.

TABLE OF CONTENTS

MetLife Underwriting Manual

................................... 1

Telephone Surveys — Consumer Reports

.................. 1

Tobacco Use Guidelines

.............................................. 2

Routine APS Requirements

........................................ 3

Motor Vehicle Records (MVR)

................................... 3

Medical Underwriting Requirements

........................ 4

Criteria Guidelines

Elite Plus

................................................................ 6

Preferred Plus/Select Preferred/Elite

.................... 7

Standard Plus - Preferred Nonsmoker

................. 8

Preferred Smoker

................................................... 8

Standard (Smoker and Nonsmoker)

.................. 10

Height and Weight Limit Tables

............................... 11

Financial Underwriting Requirements

.................... 13

Dependency Guidelines

........................................... 14

Retention, Reinsurance Limits and Capacity

Surcharge

............................................................. 15

Foreign Risks

............................................................. 15

Immigrants and Non-Immigrants

Residing in US

..................................................... 16

Foreign Travel by U.S. Permanent Residents

........... 17

Foreign Residents

..................................................... 19

Underwriting Programs

............................................ 22

Policy State and Application Forms

......................... 23

Military Personnel

..................................................... 23

Managing Your Cases

................................................ 24

Refer to THE GUIDE, your Life Underwriting
on-line guide for a more in-depth explanation of our
underwriting guidelines.

NOTES

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