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TermSmart Term Life Insurance
Term Life America
Insurance is proud to offer
ING ReliaStar Life. Solid resources
backed by a combination of innovative products and service beyond
expectations.
ING ReliaStar Life - TermSmart Underwriting Guidelines
Classes
Super
Preferred No Tobacco
Preferred No Tobacco
Select No Tobacco
Standard No Tobacco
Preferred Tobacco
Tobacco
Re-entry
At
the time of re-entry, the policy may be exchanged for a
comparable product available at that time, subject to
evidence of insurability and issue requirements, at the
insured's then attained age. Re-entry times are as
follows:
TermSmart 5 & 10:
On or after the 10th anniversary and up to and including
age 70
TermSmart 15:
On or after the 15th anniversary and up to and including
age 70
TermSmart 20:
On or after the 20th anniversary and up to and including
age 70
Tobacco Definition
Super Preferred No Tobacco: (SPNT)
A person who has not used tobacco or nicotine prod-ucts
in any form within the past five years, who is in
excellent health and meets the criteria.
Preferred No Tobacco: (PNT)
A person who has not used tobacco or nicotine prod-ucts
in any form within the past three years, and who meets
the criteria.
Select No Tobacco: (SeNT)
A person who has not used tobacco or nicotine prod-ucts
in any form within the past two years, and who meets the
criteria.
Standard No Tobacco: (SNT)
A nonsmoker who does not qualify for Preferred No
Tobacco and does not have a ratable impairment and has
used no tobacco or nicotine products in any form within
the past one year.
Preferred Tobacco: (PT)
A user of tobacco (less than two packs of cigarettes per
day) or nicotine within the past three years that meets
all the other criteria as a Preferred No Tobacco.
Standard Tobacco: (ST)
A tobacco user or nicotine user who does not qualify for
Preferred Tobacco rates and does not have a ratable
impairment.
Special Underwriting
Features
Super Preferred No Tobacco:
Blood Pressure: No current or prior blood pressure
reading in excess of
Age 0-60: 140/85
Age 61+: 150/90 No history of treatment for hypertension
Cholesterol:Treated or untreated
Age 0-70: Chol max 220 + ratio not > 5.0 OR Chol max 240
+ ratio not > 4.5
Age 71+ Chol max 280 and ratio not > 6.5
MVR: No DWI/DUI or reckless driving in the past 5 years
and no more than 2 moving violations within the past 3
years.
Personal Medical History: Standard medical risk; no
history in past 30 years of cancer (other than basal
cell skin cancer).
Alcohol/ Drug: No history of drug or alcohol abuse in
past 10 years.
Family History (If proposed insured < age 60): No
cardiovascular deaths in parents prior to age 65.
Aviation or Hazardous Avocation/Occupation: Aviation
available - may have Aviation Exclusion Rider (AER); no
ratable hazardous avocation or occupation.
Preferred No Tobacco:
Blood Pressure: No current or prior blood pressure
reading in excess of
Age 0-60: 145/90
Age 61-70: 150/90
Age 71+: 160/90 Treated, well-controlled hypertensives
with pretreatment levels exceeding the above limit may
be considered for Preferred.
Cholesterol:Treated or untreated
Age 0-70: Chol max 240 + ratio not > 5.5 OR Chol max 260
+ ratio not > 5.0
Age 71+ Chol max 280 and ratio not > 6.5
MVR: No DWI/DUI or reckless driving in the past 5 years
and no more than 2 moving violations within the past 3
years.
Personal Medical History: Standard medical risk; no
history in past 30 years of cancer (other than basal
cell skin cancer).
Alcohol/ Drug: No history of drug or alcohol abuse in
past 10 years.
Family History (If proposed insured < age 60): No
cardiovascular deaths in parents prior to age 60.
Aviation or Hazardous Avocation/Occupation: Aviation
available - may have Aviation Exclusion Rider (AER); no
ratable hazardous avocation or occupation.
Select No Tobacco:
Blood Pressure: No current or prior blood pressure
reading in excess of
Age 0-60: 150/92
Age 61-70: 155/92
Age 71+: 165/92 Treated, well-controlled hypertensives
with pretreatment levels exceeding the above limit may
be considered for Select.
Cholesterol:Treated or untreated
Age 0-70: Chol max 250 + ratio not > 6.5 OR Chol max 270
+ ratio not > 6.0
Age 71+ Chol max 290 and ratio not > 7.0
MVR: No DWI/DUI or reckless driving in the past 5 years
and no more than 2 moving violations within the past 3
years.
Personal Medical History: Standard medical risk; no
history in past 30 years of cancer (other than basal
cell skin cancer).
Alcohol/ Drug: No ratable history of drug or alcohol
abuse.
Family History (If proposed insured < age 60): No
cardiovascular deaths in parents prior to age 60.
Aviation or Hazardous Avocation/Occupation: Aviation
available - may have Aviation Exclusion Rider (AER); no
ratable hazardous avocation or occupation.
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