Give Your Client a Better Rate Class
While the competition is placing clients in a Standard rate class, you have the opportunity to place them in an ING Preferred Class with our Underwriting Guideline Advantages!
Cholesterol
- ING Life Companies do not exclude treatment for cholesterol from our Super Preferred rate class.
- Total cholesterol and cholesterol ratio are tiered by age and relationship of total cholesterol to the cholesterol ratio for all preferred rate classes.
Family History
- Family history of cancer is not considered in either the applicant's parents or siblings in any of our preferred rate classes.
- Only family history of deaths from cardiovascular disease in our Super Preferred rate class is considered. Not occurrences like some competitors!
- Family history of cardiovascular disease in siblings is not considered for any of our preferred rate classes.
- Family history preferred qualifications apply only if the proposed insured is 59 or less.
Tobacco
- Occasional cigar use is considered for non-tobacco rates if applicant smokes no more than one cigar a week with a negative urine specimen.
- Non-tobacco usage is considered for our Select rate class with 24 months of non tobacco usage for our Standard rate class at 12 months of non tobacco usage
Private Pilots
- Private pilots may qualify for Super Preferred or Preferred class rates plus a $0.48/M flat extra, depending on their flying history and the product applied for.
APS Guidelines
- Our APS guidelines for ages 18-60 do not include routine Age and Amount APS ordering. APS's are ordered for cause only.