You are able to fill out the application in Navigator with the current client information and select the health class for your client. During the underwriting review process, the carrier will have an offer for the correct health class during the application approval process based on either the client's age, health history, family medical history, or driving record. The quoting system automatically pulls all relevant information to correctly classify the potential client before providing the final quote. The final application will be the valid class for the client in this case.
Is vaping considered nicotine?
Yes.
Is chewing tobacco considered nicotine?
Yes.
Health classifications for each product in Navigator (Found on HQ Carrier pages)-
AmAm QSFP One Sheet- https://b2b-hq.quility.com/cms/document/view/7212
Issue Ages- 50 through 85 years
Underwriting Classifications- Standard Non-Tobacco, Tobacco, Preferred Non-Tobacco, Preferred Plus Non-Tobacco
Face Amounts-$5,000 to $100,000
Banner Life BeyondTerm One Sheet- https://www.bannerlife.com/docs/default-source/advisor/products/beyondterm/product-overview.pdf
Issue Ages- 10-year 20-65 years all risk classes, 15-year 20-60 years all risk classes, 20-year 20-60 years all risk classes, 25-year 20-55 years all risk classes, 30-year 20-50 years all risk classes, 35-year 20-45 years all risk classes, 40-year 20-40 years all risk classes
Underwriting Classifications- Male/Female, Preferred Plus Non-Tobacco (PPNT), Preferred Non-Tobacco (PNT), Standard Plus Non-Tobacco (SPNT), Standard Non-Tobacco (SNT), Preferred Tobacco (PT), Standard Tobacco (ST)
Face Amounts-20-50 years $100,000 to $2,000,000, 51-60 years $100,000 to $500,000, 61-65 years $100,000 to $250,000
F&G Quantum One Sheet- https://b2b-hq.quility.com/api/public/document/15722/view
Issue Ages- 0 through 60 years
Underwriting Classifications- Preferred Non-Tobacco (no tobacco use past 2 years), Non-Tobacco (no tobacco past 1 year), Preferred Tobacco, Tobacco, Standard (ages 0-17), Substandard (ratings through Table D)
Face Amounts- 0-17 years- $500,000, 18-60 years- $1,000,000
SBLI EasyTrak One Sheet- https://b2b-hq.quility.com/cms/document/view/13125
Issue Ages- 18-50 years 10, 15, 20, or 30-year term; 51-60 years 10, 15, or 20-year term
Underwriting Classifications- Non-Nicotine, Preferred Plus, Preferred, Standard Plus, Standard; up to Substandard Table D
Nicotine, All nicotine risks, Standard; up to Substandard Table D
Face Amounts- 18-40 years $100,000 to the lesser of $1M or 20x Income For ages 41-50: the lesser of $1M or 15x Income, 51-55 years $100,000 to the lesser of $500,000 or 10x Income, 56-60 years $100,000 to the lesser of $150,000 or 10x Income
UHL QSFC One Sheet- https://b2b-hq.quility.com/cms/document/view/5919
Issue Ages- Express Issue Premier - 20 through 80 years, Express Issue Deluxe - 20 through 80 years, Express Issue Whole Life - 25 through 80 years, Guaranteed Issue Whole Life - 45 through 75 years
Underwriting Classifications- Male/Female, Non-Tobacco/Tobacco
Face Amounts- Express Issue Premier- $5,000 to $100,000 (through age 60) - $5,000 to $50,000 (through ages 61-80), Express Issue Deluxe- $5,000 to $50,000, Express Issue Whole Life- $2,000 to $25,000 Guaranteed Issue Whole Life- $5,000 to $25,000
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