Term Life Insurance by Chase Insurance Company

             
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License #'s: for Lewis Fink, CA: OC38446 MT: 29724 F00-0283-LC 

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  Chase Insurance Company

CVT Universal Life Product Features
Term Life America Insurance is proud to offer Chase Insurance: Chase Term Life Insurance. Solid resources backed by a combination of innovative products and service beyond expectations.  Chase insurance company offers quotes for term life insurance, instant term life insurance, return of premium term life insurance.
CVT
Chase Insurance - CVT Universal Life Product Features
State Approvals Available in all states except: NY
Type Chase Insurance CVT is non-participating flexible premium, universal life insurance to age 100 (policy form S-4009) underwritten by Federal Kemper Life Assurance Company. Designed with a low, term-like cost, the Chase Insurance CVT minimum premium guarantees the policy for 20 years.
Conversion Options No conversions to this product effective 09/12/2003
Issue Ages Premium rates are for annual-mode payments based on the insured’s age according to his or her nearest birthday.

18 – 90 for Standard Non-tobacco
18 – 80 for all other rate classes

Face Amounts
Min/Max		 $100,000
Modal Factors Semi-annual = .50
Quarterly = .25
Monthly = .0833
Policy Fee $60.00 (Commissionable)
Special Product
Features		 Waiver of Monthly Deduction(WMD)(See policy form S-9341 for details)

Dependent Children's Rider(DCR)(See policy form S-9314 for details)

Other Insured Rider (OIR)(See policy form S-9342 for details)

Term Income Rider (TIR)(See policy form S-9352 for details)

Extended Maturity Benefit(EMB)(See policy form S-9351 for details)

Accelerated Death Benefit(See policy form S-9353 for details)

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Underwriting Guidelines
Chase Insurance - CVT
Classes Premier Non-tobacco (PRNT)
Preferred Non-tobacco (PNT)
Standard Non-tobacco (SNT)
Preferred Tobacco (PT)
Standard Tobacco (ST)
Substandard through Table H
Re-entry 
Tobacco Definition *Non-tobacco means no tobacco use of any kind in the last 60 months for Premier NT; 36 months for Preferred NT and Standard NT.
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.

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Male
Amount / Ages		 15 - 18 19 - 35 36 - 45 46 - 60 61 - 65 66 - 99
50,000 - 99,999 A1 A2 A2 B2 B2 D2
100,000 - 200,000 K1 A2 A2 B2 B2 E2
200,001 - 500,000 K1 A2 A2 B2 C2 E2
500,001 - 1,000,000 K1 D2 D2 E2 E2 H2
1,000,001 - 2,000,000 K1 F2 G2 I2 I2 I2
2,000,001 - 4,999,999 K1 I2 I2 I2 J2 J2
5,000,000 - 30,000,000 K1 I2 I2 J2 J2 J2

 

Female
Amount / Ages		 15 - 18 19 - 35 36 - 45 46 - 60 61 - 65 66 - 99
50,000 - 99,999 A1 A2 A2 B2 B2 D2
100,000 - 200,000 K1 A2 A2 B2 B2 E2
200,001 - 500,000 K1 A2 A2 B2 C2 E2
500,001 - 1,000,000 K1 D2 D2 E2 E2 H2
1,000,001 - 2,000,000 K1 F2 G2 I2 I2 I2
2,000,001 - 4,999,999 K1 I2 I2 I2 J2 J2
5,000,000 - 30,000,000 K1 I2 I2 J2 J2 J2

 

Requirements Combination Key
 A  Physical Measurements, Blood Profile, Urinalysis
 B  Blood Profile, Urinalysis, Paramed
 C  Blood Profile, Urinalysis, Paramed, EKG
 D  Blood Profile, Urinalysis, Paramed, Inspection Report, MVR
 E  Blood Profile, Urinalysis, Paramed, EKG, Inspection Report, MVR
 F  Blood Profile, Urinalysis, Paramed, Inspection Report, Financial Questionnaire, MVR
 G  Blood Profile, Urinalysis, Paramed, EKG, Inspection Report, Financial Questionnaire, MVR
 H  Blood Profile, Urinalysis, EKG, Inspection Report, Physician Exam, MVR
 I  Blood Profile, Urinalysis, EKG, Inspection Report, Financial Questionnaire, Physician Exam, MVR
 J  Blood Profile, Urinalysis, Inspection Report, Financial Questionnaire, Physician Exam, Treadmill EKG, MVR
 K  N/A

 

Footnote Key
1 **This chart displays only Traditional (non-TeleLife) Requirements

$100,000 maximum face amount for ages 15-18.

For juvenile requirements (1-14), contact underwriting.

2 **This chart displays only Traditional (non-TeleLife) Requirements

 

Male/Female Build Chart

Height PRNT PNT SNT SLNT
 4' 8" 129 138 160 150
 4' 9" 132 141 165 155
 4' 10" 135 145 168 160
 4' 11" 140 150 172 165
 5' 0" 145 155 175 170
 5' 1" 150 160 180 175
 5' 2" 155 165 185 180
 5' 3" 160 170 190 185
 5' 4" 165 175 195 190
 5' 5" 170 180 205 195
 5' 6" 175 185 210 200
 5' 7" 180 190 215 205
 5' 8" 185 195 225 210
 5' 9" 190 200 230 215
 5' 10" 195 208 235 223
 5' 11" 200 215 245 230
 6' 0" 205 220 250 235
 6' 1" 210 225 255 240
 6' 2" 215 230 265 245
 6' 3" 220 235 270 250
 6' 4" 225 242 275 257
 6' 5" 235 250 285 265
 6' 6" 240 260 290 275
 6' 7" 245 267 300 280
 6' 8" 250 277 305 288
 6' 9" 260 283 315 295
 6' 10" 265 290 320 308
 6' 11" 270 296 330 315
 
PRNT Premier
PNT Preferred Non-Tobacco
SNT Standard Non-Tobacco
SLNT Select Non-Tobacco

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