Making it Clear...
Give your clients the most compelling offer available from Genworth, particularly when your client falls within our targeted market:
- ≤ Age 75 Preferred Best No Nicotine Use — Table 4 (mild/moderate impairment)
- Up to $1MM in term life insurance Up to $5MM in universal life insurance
Take a look at where our underwriting is particularly competitive:
- Blood pressure readings
- Total cholesterol and HDL ratios
- Aviation – Preferred No Nicotine Use (without a flat extra or Aviation Exclusion Rider) is available for Private Pilots: Instrument Flight Rating Licensed, 26-150 hours per year, Aviation activities limited to pleasure flying (NO business related flying).
- Recreational Scuba Diving – Preferred Best No Nicotine Use (without a flat extra) is available to depths of 100 feet. No caves, wrecks, retrievals, ice, search & rescue.
Preferred best no nicotine use May be available for these conditions:
- Depression – mild cases with documented stability, no adverse features, and stable work/family lifestyle, ages 30–60. A telephone interview will be used as an APS alternative for ages 18–59 and < $1MM face.
- Anxiety – mild cases with no adverse features.
- Sleep Apnea – milder disease with demonstrated resolution and/or stability with treatment and the absence of additional cardiac risk factors.
- Ulcerative Colitis – confined to the rectum and/or sigmoid colon for minimum of 3 years. Medically well followed. No evidence of adverse features.
- Asthma – mild, stable asthma with no adverse features, well controlled for 5 years with inhaled medications only, no hospitalization or ongoing use of steroids.
- Arthritis – osteoarthritis and mild types of inflammatory arthritis controlled with no adverse features and in remission for a minimum of 5 years.
- Gestational Diabetes – remote history during only one pregnancy with evidence to support resolution and normal ongoing blood glucose levels. Even those who don’t meet our Preferred Best No Nicotine Use criteria may qualify for preferred rate classes. Look for more information over the coming weeks and months.
Even those who don’t meet our Preferred Best No Nicotine Use criteria may qualify for preferred rate classes. Look for more information over the coming weeks and months.
UNDERWRITING Making It Clear. The Decision. The Strengths. The Process. © 2009 Genworth Financial, Inc. All rights reserved.