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Term Life Insurance by Top Companies
 For the serious shopper who would like a seasoned professional to assist them-
Term Life Insurance Quotes     Term Life Insurance No Exam

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Banner Underwriting General Provisions
 

NOTE: Banner underwriting general provisions may vary by policy form

 Preferred Plus Non-Tobacco:
Impairments:
No personal history of disease or impairment that would affect mortality

Blood Pressure:
Currently well controlled with or without treatment, with no readings in the past two years greater than 136/86

Family History:
No cardiovascular disease or cancer in either parent or siblings before age 60

Driving History:
No more than 2 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Cancer History:
Only available on certain types of skin cancer

Cholesterol:
Levels may not exceed 220; CHOL/HDL may not exceed 5.0

Alcohol/ substance abuse:
No history of substance or alcohol abuse

Aviation:
Only available with exclusion rider

Avocation:
Available only if no flat extra premium would be required

Residency/ Citizenship:
Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Green Card


 Preferred Non-Tobacco :

Impairments:
No personal history of disease or impairment that would affect mortality

Blood Pressure:
Currently well controlled with no readings in the past two years greater than 146/90

Family History:
No cardiovascular or cancer death in either parent before age 60

Driving History:
No more than 2 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Cancer History:
Only available on certain types of skin cancer

Cholesterol:
Level may not exceed 250; CHOL/HDL Ratio may not exceed 6.0

Alcohol/ substance abuse:
No alcohol or substance abuse in the past 10 years

Aviation:
Preferred is available with flat extra or exclusion rider

Avocation:
Preferred is available, however may have flat extra

Residency/ Citizenship:
Must be a US resident for past 3 years and either US citizen or have permanent Visa or Green Card


Standard Plus Non-Tobacco :

Impairments:
No personal history of disease or impairment that would affect mortality

Blood Pressure:
Currently well controlled with no readings in the past two years greater than 152/92

Family History:
No cardiovascular or cancer death of more than one parent before age 60

Driving History:
No more than 3 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 3 years.

Cancer History:
Available depending on type and duration of cancer

Cholesterol:
Level may not exceed 280; CHOL/HDL Ratio may not exceed 7.0

Alcohol/ substance abuse:
No alcohol or substance abuse in the past 7 years

Aviation:
Standard Plus is available with flat extra or exclusion rider

Avocation:
Standard Plus is available, however may have flat extra

Residency/ Citizenship:
Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green Card


Standard:

Impairments:
No personal history of disease or impairment that would affect mortality

Blood Pressure:
Currently well controlled with no readings in the past two years greater than 156/94

Family History:
No cardiovascular or cancer death of more than one parent before age 60

Driving History:
No more than 4 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.

Cancer History:
Available depending on type and duration of cancer

Cholesterol:
Level may not exceed 300; CHOL/HDL Ratio may not exceed 8.0

Alcohol/ substance abuse:
No alcohol or substance abuse in the past 7 years

Aviation:
Standard is available with flat extra or exclusion rider

Avocation:
Standard is available, however may have flat extra

Residency/ Citizenship:
Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green Card


   
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TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  


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