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American Mayflower

Life Insurance Co. of New York

Customer Service 1-888-265-5433

Term Life America Insurance is proud to offer American Mayflower Life Insurance Co. of New York Term Life Insurance.

Product Features

American Mayflower is a wholly owned subsidiary of First Colony Life Insurance Company, a GE Financial Assurance Solid resources backed by a combination of innovative products and service beyond expectations.

American Mayflower Life Insurance Company of New York -
Term 5/10/15/20/30 Product Features
	State Approvals	Only Available in NY American Mayflower Life Insurance Company of New York, 622 Third Avenue, 33rd Floor, New York, NY 10017, is licensed in New York. For Producer/Agent information only. Not to be reproduced or shown to the public.
	Type	Term 5/10/15/20/30 is term life insurance with guaranteed level premiums for 5/10/15/20/30 years. Indeterminate premiums increase annually thereafter to the insured’s attained age 80. Benefits cease at the insured’s attained age 80. Term 5/10/15/20/30 is subject to the terms of Policy Form No. AM-1420, which includes an exclusion period for death by suicide. Subject to state availability and issue limitations.
	Conversion Options	The owner may convert this policy for any higher premium policy of permanent life insurance made available for this purpose. The new life insurance amount cannot exceed this policy and may not be less than the minimum for the policy selected. Conversion will be at the insured’s attained age, without evidence of insurability. This option is available at any premium due date during the initial period (10/10/15/20/30 years) or to the insured’s attained age 75, whichever comes first. For the Term 5 policy with an issue age of 75, conversion is available up to one year from the conversion date referred to in the policy.
	Issue Ages	Age Nearest Birthday Term 5: ages 50–75 Term 10: ages 0-70 (For Nicotine Use classifications, issue ages begin at age 15) Term 15: ages 0–65 (For Nicotine Use classifications, issue ages begin at age 15) Term 20: ages 0–60 (For Nicotine Use classifications, issue ages begin at age 15) Term 30: ages 0–50 (For Nicotine Use classifications, issue ages begin at age 15)
	Face Amounts Min/Max	Band Minimum Face Maximum Face 1 $50,000 $99,999 2 $100,000 $249,999 3 $250,000 $999,999 4 $1,000,000 None Note: In certain instances, face amounts near the upper part of a band may have higher premiums than the minimum face amount of the next higher band. As always, we rely on you to ensure that your client is making a suitable choice.
	Modal Factors	Semi-annual = .51 (8.2% APR) Quarterly = .26 (10.8% APR) Monthly = .0875 (10.8% APR) Pre-arranged withdrawals only)
	Policy Fee	Premiums may be paid annually, semi-annually, quarterly or monthly (pre-arranged withdrawals only). Non-annual modal premiums include an annual cost consistent with the listed APR. The yearly premium cost will be higher if paid semi-annually, quarterly or monthly. $60 annually. No spousal waiver.
	Special Product Features	Waiver of Premium Rider (WP) – Each premium payment which falls due while the insured is totally disabled will be waived. WP rates change when the policy’s premium changes. The rider terminates on the policy anniversary nearest the insured’s 60th birthday. Issue Ages: Term 5………….….50–55 Term 10/15/20……..15–55 Term 30……………15–50
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Underwriting Guidelines American Mayflower Life Insurance Company of New York - Term 5/10/15/20/30
	Classes	Preferred Best No Nicotine Use (PBNN) Preferred No Nicotine Use (PNN) Select No Nicotine Use (SLNN) Standard No Nicotine Use (SNN) Custom No Nicotine Use (CNN) Preferred Nicotine Use (PNU) Standard Nicotine Use (SNU) Custom Nicotine Use (CNU) No Nicotine Use excludes the use of nicotine and nicotine substitutes.
	Re-entry
	Tobacco Definition	Preferred Best: No use of nicotine or nicotine substitutes in last 5 years. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative. Preferred: No use of nicotine or nicotine substitutes in last 3 years. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative. Select: No use of nicotine or nicotine substitutes in last 2 years. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative. Standard: No use of nicotine or nicotine substitutes in last 12 months. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative.
	Special Underwriting Features	Preferred Best Criteria: *Ages 0-64* Impairments: No diseases, disorders or activities that would affect mortality. Family History: No cardiovascular or cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60. Cholesterol (treated or untreated): Cholesterol 240 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 5.0. Blood Pressure: No current, or history of, blood pressure treatment or medication. No current, or history of, blood pressure readings in excess of: • 140/85 Age 60 or Younger • 150/90 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse. Cancer History: Preferred Best not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. *Ages 65 and Older:* Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65-74: • No cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60. For ages 75 or older: • No family history limitation. Cholesterol (treated or untreated): • Total cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 45mg/dl. Blood Pressure: • No current, or history of, blood pressure treatment or medication. • No current, or history of, blood pressure readings in excess of 150/90. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse. Cancer History: Preferred Best not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Preferred Criteria: *Ages 0-64:* Impairments: No diseases, disorders or activities that would affect mortality. Family History: For either parent, no cardiovascular or cancer death on or before age 60. Cholesterol (treated or untreated): Cholesterol 270 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 6.0. Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed: • 140/90 Age 60 or Younger • 150/90 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 10 years. Cancer History: Preferred not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Ages 65 and Older: Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65-74: • No cancer death in either parent on or before age 60. For ages 75 or older: • No family history limitation. Cholesterol: (treated or untreated) • Total cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 40mg/dl. Blood Pressure: Currently controlled (treated or untreated) and average reading in last 2 years does not exceed 150/90. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 10 years. Cancer History: Preferred not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Select Criteria: Ages 0-64 Impairments: No diseases, disorders or activities that would affect mortality. Family History: Not more than one cardiovascular death in parents on or before age 60. Cholesterol (treated or untreated): Cholesterol 285 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 7.0. Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed: • 150/90 Age 60 or Younger • 155/95 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 3 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Select No Nicotine Use not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Ages 65 and Older Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65 and older: • No family history limitation. Cholesterol (treated or untreated): • Total cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 35mg/dl. Blood Pressure: Currently controlled (treated or untreated) and average reading in last 2 years does not exceed 155/95. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 3 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Select No Nicotine Use not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Standard Criteria: *Ages 0-64* Impairments: No diseases, disorders or activities that would affect mortality. Family History: Not more than one cardiovascular death in parents on or before age 60. Cholesterol (treated or untreated): Cholesterol 300 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 8.0. Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed: • 155/95 Age 60 or Younger • 60/95 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 2 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Coverage may be available based on specific cancer history. Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: coverage available; however, may require flat extra *Ages 65 and Older* Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65 and older: • No family history limitation. Cholesterol (treated or untreated): • Total Cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 35mg/dl. Blood Pressure: Currently controlled (treated or untreated) and average reading last 2 years does not exceed 160/95. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 2 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Coverage may be available based on specific cancer history. Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.

Build Charts

American Mayflower Life Insurance Company of New York

Male Amount / Ages	0 - 17	18 - 39	40 - 49	50 - 59	60 - 99
0 - 99,999	A	C	C	C	I
100,000 - 299,999	A	C	C	C	I
300,000 - 500,000	A	C	C¹	D	I
500,001 - 1,000,000	B	C	C¹	D	I
1,000,001 - 2,000,000	B	C	D	D	I
2,000,001 - 3,000,000	E	C	D	D	I
3,000,001 - 5,000,000	E	C	D	D	F
5,000,001 - 10,000,000	E	G	G	H	J
10,000,001 - 50,000,000	E	G	H	H	J

Female Amount / Ages	0 - 17	18 - 39	40 - 49	50 - 59	60 - 99
0 - 99,999	A	C	C	C	I
100,000 - 299,999	A	C	C	C	I
300,000 - 500,000	A	C	C¹	D	I
500,001 - 1,000,000	B	C	C¹	D	I
1,000,001 - 2,000,000	B	C	D	D	I
2,000,001 - 3,000,000	E	C	D	D	I
3,000,001 - 5,000,000	E	C	D	D	F
5,000,001 - 10,000,000	E	G	G	H	J
10,000,001 - 50,000,000	E	G	H	H	J

Requirements Combination Key
A	Non-Medical
B	Paramed, Urinalysis, Attending Physician Statement
C	Paramed, Urinalysis, Blood Profile
D	Paramed, Urinalysis, Blood Profile, EKG
E	Paramed, Urinalysis, Attending Physician Statement, Dried Blood Spot
F	Paramed, Urinalysis, Attending Physician Statement, Blood Profile, Treadmill EKG
G	Urinalysis, Blood Profile, EKG, Physician Exam
H	Urinalysis, Blood Profile, Physician Exam, Treadmill EKG
I	Paramed, Urinalysis, Attending Physician Statement, Blood Profile, EKG
J	Urinalysis, Attending Physician Statement, Blood Profile, Physician Exam, Treadmill EKG

Footnote Key
1	EKG required at 45 and up

	American Mayflower Life Insurance Company of New York - Overview
	American Mayflower Life Insurance Company of New York - AML Term Series Product Features, Underwriting Guidelines, Build Charts

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Not all insurance products from all insurance companies are available in all states.

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