Term Life Insurance Return Of Premium by Chase Insurance Company

Chase Complete Term

Return of Premium Chase Complete Term pays an endowment at the end of the level period equal to the sum of premiums paid for the base plan of insurance.

Underwriting Guidelines
Chase Insurance - Complete Term

Classes

- Premier Non-Tobacco (PRNT)
- Preferred Non-Tobacco (PNT)
- Standard Non-Tobacco (SNT)
- Preferred Tobacco (PT)
- Standard Tobacco (ST)

Re-entry

Chase Insurance Complete Term plans allow for one re-entry qualification, at the end of the initial level premium period (i.e., after 15, 20, or 30 years), as long as the insured is younger at the time of re-entry than the maximum issue age for that plan. Re-entry requires evidence of insurability (at company cost). Insureds who qualify avoid the annually increasing premiums that would otherwise follow their level premium period. Instead, re-entry premiums are the same as those for a newly issued policy at the insured’s age at the time of re-entry and are again guaranteed level for the same number of years (15, 20, or 30) as the initial guarantee period.

Tobacco Definition

Non-tobacco rates apply to Preferred, Select, and Standard if the insured has not used tobacco in any form within the last 36 months prior to application; for Premier, no tobacco use in the last 60 months.

Special Underwriting
Features

Premier Non-Tobacco:
BP Average: Age 0-60: No treatment, 135/85; Ages 61+: No treatment, 145/90

Cholesterol: Does not exceed 220/5.0 HDL; No treatment

Family History: No occurrence of CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females) in parent or sibling prior to age 60

Occupation/Avocation: No hazardous occupation, sports or hobbies in past 2 yrs or next 2 yrs

Aviation: No flying as pilot or crew member except on regularly scheduled major commercial airline

Driving History: No more than 2 violations in past 3 years. No DUI or Reckless Driving in past 5 years.

Foreign Travel: No travel to underdeveloped countries or areas of political instability within past 2 years or next 2 years.

U.S. Residency: No residence outside U.S. in past 3 yrs.

Preferred Non-Tobacco:
BP Average: Age 0-60: No treatment, 140/90; With treatment, 135/85; Ages 61+: No treatment, 150/90; With treatment, 140/90

Cholesterol: Does not exceed 240/6.0 HDL; Treatment OK

Family History: No death from CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females) in parent or sibling prior to age 60

Occupation/Avocation: Flat extra if applicable

Aviation: No flying as pilot or crew member except on regularly scheduled major commercial airline.

Driving History: No more than 2 violations in the past 3 years; No DUI/Reckless driving in past 5 yrs

Foreign Travel: Flat extra if applicable.

U.S. Residency No residence outside U.S. in past 2 yrs.

Select Non-Tobacco:
BP Average: Age 0-60: With or without treatment, 140/90; Ages 61+: With or without treatment, 150/90

Cholesterol: Does not exceed 265/7.5 HDL; Treatment OK

Family History: No death from CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females) in parent or sibling prior to age 55

Occupation/Avocation: Flat extra if applicable

Aviation: No flying as pilot or crew member except on regularly scheduled major commercial airline.

Driving History: No more than 3 violations in past 3 yrs; No DUI/Reckless driving in past 5 yrs

Foreign Travel: Flat extra available.

U.S. Residency: No residence outside U.S. past 2 yrs.

Standard Non-Tobacco:
BP Average: All ages: With or without treatment, 155/92

Cholesterol: Does not exceed 300/8.0 HDL; Treatment OK

Family History: No more than 1 death of parent or sibling prior to age 50 from CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females)

Occupation/Avocation: Flat extra if applicable

Aviation: No ratable aviation activity

Driving History: Flat extra if applicable; No DUI/Reckless driving in past 2 yrs

Foreign Travel: Flat extra if applicable

U.S. Residency: No residence outside U.S. past 2 yrs.