Post on 28-Aug-2018
Underwriting Guidelines
INTERNAL USE ONLY U-72 (7/18) 16-06-064
Bringing Catholic Values to LIFE! | A Catholic Fraternal Benefit Life Insurance Society Since 1883
catholicforester.org | Facebook.com/catholicforester | 800-552-0145 355 Shuman Boulevard, PO Box 3012, Naperville, IL 60566-7012
AGE AND AMOUNT REQUIREMENTS FACE AMOUNT
ISSUE AGES 0 – 17 18 – 39 40 – 50 51 – 60 61 – 70 71+
0 – 25,000
JUVENILE APP - Non-Med* - MVR**
APP - Non-Med*
APP - Non-Med*
APP - Non-Med*
APP - Non-Med* - Rx Check - QuestCheck - MVR
APP - Non-Med* - Rx Check - QuestCheck - MVR
25,001 – 50,000
JUVENILE APP - Non-Med* - MVR**
APP - Non-Med* - MVR
APP - Non-Med* - MVR
APP - Rx Check - Tele-Interview - Oral fluid - MVR
APP - Rx Check - Tele-Interview - Oral fluid - MVR
APP - Non-Med* - Rx Check - MVR - APS
50,001 – 99,999
JUVENILE APP - Non-Med* - MVR**
APP - Rx Check - Tele-Interview - Oral fluid - MVR
APP - Rx Check - Tele-Interview - Oral fluid - MVR
APP - Rx Check - Tele-Interview - Oral fluid - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Paramed Exam - Hos - Blood - MVR - APS
100,000 – 249,999
JUVENILE APP - Non-Med* - Rx Check - QuestCheck - MVR**
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Paramed Exam - Hos - Blood - MVR - APS
250,000 – 1,000,000
APP - Non-Med* - Rx Check - MVR** - APS
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Paramed Exam - Senior Supplement - Hos - Blood - MVR - APS
1,000,000+
APP - Non-Med* - Rx Check - MVR** - APS
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR - APS
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR - APS
APP - Rx Check - Tele-Interview - Ht/Wt/Vitals - Hos - Blood - MVR - APS
APP - Rx Check - Paramed Exam - Senior Supplement - Hos - Blood - MVR - APS
IMPORTANT NOTES:
• The amount being underwritten includes insurance applied for and placed in-force with COF within the past 12 months. • Underwriting requirements are based on either the Proposed Insured’s:
1. Age at nearest birthday for Term, Forester Heritage Single Premium Whole Life and Forester Legacy; or 2. Actual age for Genesis and Basic Value Whole Life and all Universal Life products.
• The Home Office is responsible for ordering the following requirements: Rx Check, QuestCheck, MVR and Tele-Interview. • Exams (including Ht/Wt/Vitals, Paramed Exams and labs) will be ordered by the Home Office, unless instructed not to do so by the agent
(via the Agent’s Report is the preferred method of communication). * Non-Med cases require completion of all medical and personal history questions on either application. A focused telephone interview may
also be ordered by the Home Office at the Underwriter’s discrestion. ** MVR ordered for juveniles when applicable (remember to provide driver’s license information for applicable juveniles).
Underwriting Guidelines
INTERNAL USE ONLY U-72 (7/18) 16-06-064
Bringing Catholic Values to LIFE! | A Catholic Fraternal Benefit Life Insurance Society Since 1883
catholicforester.org | Facebook.com/catholicforester | 800-552-0145 355 Shuman Boulevard, PO Box 3012, Naperville, IL 60566-7012
SINGLE PREMIUM UNIVERSAL LIFE AGE AND AMOUNT REQUIREMENTS* NET AMOUNT AT RISK*
ISSUE AGES 0 – 50 50 – 75 76 – 85
0 – 25,000
APP - Non-Med** - Rx Check - QuestCheck - MVR
APP - Non-Med** - Rx Check - QuestCheck - MVR
25,001 – 50,000
APP - Rx Check - Tele-Interview - Oral Fluid - QuestCheck - MVR
APP - Non-Med** - Rx Check - MVR - APS
50,001 – 99,999
APP - Rx Check - Tele-Interview - Oral Fluid - QuestCheck - MVR
APP - Non-Med** - Rx Check - MVR - APS
100,000 – 250,000
APP - Rx Check - Tele-Interview - Oral Fluid - QuestCheck - MVR
APP - Rx Check - Paramed Exam - Hos - Blood - MVR - APS
250,001 – 1,000,000
APP - Rx Check - Tele-Interview - Senior Supplement*** - Ht/Wt/Vitals - Hos - Blood - MVR
APP - Rx Check - Paramed Exam - Senior Supplement - Hos - Blood - MVR - APS
1,000,001+
APP - Rx Check - Tele-Interview - Senior Supplement*** - Ht/Wt/Vitals - Hos - Blood - MVR - APS
APP - Rx Check - Paramed Exam - Senior Supplement - Hos - Blood - MVR - APS
IMPORTANT NOTES:
* Requirements are based on the Net Amount at Risk (face amount less single premium amount = net amount at risk.) • The amount being underwritten includes insurance applied for and placed in-force with COF within the past 12 months. Requirements
listed above do not take into account prior coverage applied for in last 12 months. Contact COF Underwriting to determine total amount and requirements needed.
• Underwriting requirements are based on either the Proposed Insured's actual age. • The Home Office is responsible for ordering the following requirements: Rx Check, QuestCheck, MVR and Tele-interview. • Agent is responsible for obtaining oral fluid sample and mailing sample to the lab. • Exams (including Ht/Wt/Vitals, paramed exams and labs) will be ordered by the Home Office, unless intructed not to do so by the agent
(via the Agent's Report is the preferred method of communication). ** Non-Med cases require completion of all medical and personal history questions on either application. A focused telephone interview may
also be ordered by the Home Office at the Underwriter's discretion. *** Required starting at age 71.
Underwriting Guidelines
INTERNAL USE ONLY U-72 (7/18) 16-06-064
Bringing Catholic Values to LIFE! | A Catholic Fraternal Benefit Life Insurance Society Since 1883
catholicforester.org | Facebook.com/catholicforester | 800-552-0145 355 Shuman Boulevard, PO Box 3012, Naperville, IL 60566-7012
PREFERRED CLASSES CRITERIA CRITERIA PREFERRED PLUS PREFERRED SELECT PLUS
Tobacco and Nicotine Use
None within 60 months None within 36 months.
Smokeless tobacco ok if never a cigarette smoker.
Occasional cigar ok (1 or less weekly with nicotine negative on HOS/oral)
None within 12 months.
Smokeless tobacco ok if never a cigarette smoker.
Occasional cigar ok (1 or less weekly with nicotine negative on HOS/oral)
BUILD SEE BUILD CHART
Maximum Blood Pressure
135/85 and no more than 2 medications 135/85 140/90
Maximum Total Cholesterol And Cholesterol/HDL Ratio
300 and 4.0 300 and 5.0 300 and 6.5
Mimimum Total Cholesterol And HDL (Untreated)
125 and 25 125 and 25 125 and 25
A1c No greater than 6.0 with no history of diabetes
No greater than 6.0 with no history of diabetes
No greater than 6.0 with no history of diabetes
Family History: Vascular No cardiovascular or cerebrovascular events or deaths in parents or siblings prior to age 65 for (father/brothers) and prior to age 70 for (mother/sisters)
No cardiovascular or cerebrovascular events or deaths in parents or siblings prior to age 60 for (father/brothers) and prior to age 65 for (mother/sisters)
No more than 1 cardiovascular or cerebrovascular event or death in parents or siblings prior to age 60 for (father/brothers) and prior to age 65 for (mother/sisters)
Family History: Cancer No death from, or occurance of, the following cancers: breast, ovarian, pancreatic, prostate, colon, endometrial, stomach, kidney, thyroid, adrenal, or familial malignant melanoma, of parents or siblings prior to age 60
No more than 1 death of a parent or siblings prior to age 55 as a result of the following cancers: breast, ovarian, pancreatic, prostate, colon, endometrial, stomach, kidney, thyroid, adrenal cancers, or familial malignant melanoma
No restrictions
Driving Impaired And Reckless Driving
No DUI/DWI/OUI or reckless driving convictions within the past 10 years
Not available with multiple violations regardless of age
No DUI/DWI/OUI or reckless driving convictions within the past 7 years
Not available with multiple violations regardless of age
No DUI/DWI/OUI or reckless driving convictions within the past 5 years
Not available with multiple violations regardless of age
Moving Violations No more than 3 in the past 5 years
No more than 3 in the past 3 years No restrictions
Drug And Alcohol Abuse/Dependency
No history of drug or alcohol abuse in past 10 years
No history of drug or alcohol abuse in past 10 years
No ratable history of drug or alcohol abuse
Personal History Standard medical risk; no history of invasive cancer in the past 30 years (excluding basal cell and some squamous cell skin cancers)
Aviation, Hazardous Avocation, Occupation Not available with ratable aviation, hazardous avocation, or hazardous occupation
Underwriting Guidelines
INTERNAL USE ONLY U-72 (7/18) 16-06-064
Bringing Catholic Values to LIFE! | A Catholic Fraternal Benefit Life Insurance Society Since 1883
catholicforester.org | Facebook.com/catholicforester | 800-552-0145 355 Shuman Boulevard, PO Box 3012, Naperville, IL 60566-7012
Foreign Travel And Residency Not available with ratable foreign travel or residency risks
PREFERRED CLASSES CRITERIA – HEIGHT AND WEIGHT REQUIREMENTS
HEIGHT MINIMUM WEIGHT PREFERRED PLUS PREFERRED SELECT PLUS
4'8" 83 124 136 143
4'9" 86 128 140 148
4'10" 89 133 145 153
4'11" 92 138 151 158
5'0" 95 142 156 164
5'1" 98 147 161 169
5'2" 101 152 166 175
5'3" 104 157 172 181
5'4" 108 162 177 186
5'5" 111 167 183 192
5'6" 115 172 188 198
5'7" 118 178 194 204
5'8" 122 183 200 210
5'9" 125 188 206 217
5'10" 129 194 212 223
5'11" 133 199 218 229
6'0" 136 205 224 236
6'1" 140 211 230 243
6'2" 144 217 237 249
6'3" 148 222 243 256
6'4" 152 228 250 263
6'5" 156 234 256 270
6'6" 160 241 263 277
6'7" 164 247 270 284
6'8" 168 253 277 291
6'9" 173 259 284 299
6'10" 177 266 291 306
BMI 18.5 27.8 30.4 32
Underwriting Guidelines
INTERNAL USE ONLY U-72 (7/18) 16-06-064
Bringing Catholic Values to LIFE! | A Catholic Fraternal Benefit Life Insurance Society Since 1883
catholicforester.org | Facebook.com/catholicforester | 800-552-0145 355 Shuman Boulevard, PO Box 3012, Naperville, IL 60566-7012
UNDERWRITING INFORMATION
Approved Vendors
TELE-INTERVIEW
EXAM ONE • Interviews ordered by the Home Office • Interview Call Center hours
– Monday – Thursday: 7 a.m. to 11 p.m., Central – Friday: 7 a.m. to 9 p.m. – Saturday: 8 a.m. to 4 p.m. – Sunday: Closed
EXAMS
EXAM ONE (preferred provider) • Orders and status: Online at www.examone.com • Orders only: Call (800) 768-2071
– Monday – Friday, 7:30 a.m. to 5:30 p.m., Central
APPS • Online
– Visit www.appslive.com – Click on Office Search – Enter Zip code
• Call: (800) 727-2101
EMSI • Call: (800) 872-3674
PORTAMEDIC • Call: (866) 335-5575
Requirement Notes
• Please contact your underwriter with questions regarding underwriting requirements. Note: Significant health histories or complex financial situations may necessitate additional requirements.
• COF reserves the right to request any and all additional necessary information • Valid 6 months from date of completion: Applications, lab results, EKGs and MVRs • Valid 4 months from date of completion: Part II, Exams and Tele-med interviews.
Note: May be used up to 6 months with a Good Health Statement • Valid 12 months from statement date or date prepared: Inspection reports and financial
documents