MetLife Ventilation Hood Aug-07 ユーザーズマニュアル
9
8
CRITERIA GUIDELINES
(CONTINUED)
Criteria
Standard Plus
Preferred
Preferred NS
Smoker
Personal
No history of: Diabetes,
Health History
Cardiovascular Disease, Cancer
(Subject to documentation
(except some non-melanoma
of good health)
skin cancers); No FEPs.
Family History
No death from Cardiovascular Disease
or Cancer (some cancers may qualify)
in immediate family member
(parents or siblings) prior to age 60.
(A “wellness” consideration may be
(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 cigarettes
Cigarettes/tobacco
and no tobacco
substitute use
substitutes in the
currently or within
past 24 months
past 24 months
and negative
or urine positive
nicotine test.
for nicotine.
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.
ELITE PLUS, PREFERRED PLUS and STANDARD PLUS are the preferred
(non-tobacco) classes for the MetLife Investors (MLI USA and First MLI) term
products only. The chart below cross-references the equivalent classification by
brand. All other classifications are the same.
(non-tobacco) classes for the MetLife Investors (MLI USA and First MLI) term
products only. The chart below cross-references the equivalent classification by
brand. All other classifications are the same.
MetLife Investors
GenAm
MLFS and NEF
Elite Plus
No Equivalent
No Equivalent
Preferred Plus
Elite
Select Preferred
Standard Plus
Preferred Nonsmoker Preferred Nonsmoker
CRITERIA GUIDELINES: Face amount of $100,000 & over
STANDARD PLUS (Non-Tobacco) Age 18–75 where available.
PREFERRED (Nonsmoker and Smoker) Age 18–80 where available.
PREFERRED (Nonsmoker and Smoker) Age 18–80 where available.
Criteria
Standard Plus
Preferred NS
Build
Use Build Table in
this pamphlet
Blood Pressure
Age 54 & under
140/90 or less
Age 55 & over
150/90 or less
Current medication
acceptable for all ages
Blood and
Some elevated results qualify
Urine Profile
Cholesterol
Age 54 & under
250 or less and Ratio 6.0 or less
Age 55 & over
250 or less and Ratio 6.0 or less OR
270 or less and Ratio 5.5 or less
Current medication acceptable if levels
maintained for at least 12 months.
Aviation,
Aviation, Avocation,
Avocation,
Occupation FEPs or Exclusion
Occupation,
Rider acceptable. No Foreign
Foreign Travel &
Travel or Residence FEPs.
Residence,
No Medical FEPs.
FEPs
Driving History
No DWI convictions within
past 5 years. Maximum of 2
moving violations within past
3 years.
Substance Abuse
No history in past 10 years.
(Alcohol/Drugs)
(Not Applicable to
Proposed Insureds
age 66 or older)