Term Life Insurance by Chase Insurance Company

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Chase Insurance Company

Super-T (NY) 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.

Super-T (NY)

Chase Insurance Life Company of New York - Super-T (NY)
Product Features

State Approvals

NY Only

Type

5-, 15-, and 20-year level premium plans. The level-premium guarantee period is 5+5 years for the 5-year plan and 10 years for the other plans.

Conversion Options

Prior to the earlier of the exchange date or the anniversary nearest the insured’s 70th birthday, a Super-T policy may be converted to an eligible cash value life insurance policy. The new policy must be available through Zurich Kemper Life Insurance Company of New York at that time and have a higher minimum-premium rate than the Super-T New York plan at the time of conversion.

Issue Ages

38-75 for 5 year plan
1-55 for 15-year plan
1-50 for 20-year plan

Face Amounts
Min/Max

                                             Min:                 Max:
Ages 1-14:                          $5,000               $20,000*
Ages 15-49:                        $100,000               N/A
Ages 50+:                           $50,000                 N/A
Premier Ages 15+:             $100,000               N/A

*Available as companion policy only. Owner must be a parent or legal guardian of the child. See juvenile limitation rider regarding other restrictions.

Modal Factors

Semi-annual = .52
Quarterly = .30
Monthly = .087

Policy Fee

$60 annual non-commissionable policy fee through $249,999 face amount

$50 annual non-commissionable policy fee for face amounts of $250,000 or more.

Special Product
Features

None

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Underwriting Guidelines
Chase Insurance Life Company of New York - Super-T (NY)

Classes

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

Re-entry

Chase Insurance Super-T New York plans allow for one re-entry qualification, at the end of initial selected period (i.e., after 10, 15, or 20 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 initial 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 level for the same number of years (10, 15, or 20) as the initial 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

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 215/5.5 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 viols. in past 3 yrs; No DUI/Reckless driving in past 5 yrs

Foreign Travel: No residence outside U.S. past 3 yrs; No travel to underdeveloped countries or areas of political instability.

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 240/6.5 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 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 viols. in past 3 yrs; No DUI/Reckless driving in past 5 yrs

Foreign Travel: No residence outside U.S. past 2 yrs; No travel to underdeveloped countries or areas of political instability.

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 viols. in past 3 yrs; No DUI/Reckless driving in past 5 yrs

Foreign Travel: No residence outside U.S. past 2 yrs. No travel to underdeveloped countries or areas of political instability.

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

Cholesterol: Does not exceed 300/9.0 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: No residence outside U.S. past 2 yrs; No travel to underdeveloped countries or areas of political instability.

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Male Amount / Ages	15 - 18	19 - 35	36 - 45	46 - 60	61 - 65	66 - 99
50,000 - 99,999	A	A	A	B	B	D
100,000 - 100,000	A¹	A	A	B	B	E
100,001 - 200,000	K	A	A	B	B	E
200,001 - 500,000	K	A	A	B	C	E
500,001 - 1,000,000	K	D	D	E	E	H
1,000,001 - 2,000,000	K	F	G	I	I	I
2,000,001 - 4,999,999	K	I	I	I	J	J
5,000,000 - 30,000,000	K	I	I	J	J	J

Female Amount / Ages	15 - 18	19 - 35	36 - 45	46 - 60	61 - 65	66 - 99
50,000 - 99,999	A	A	A	B	B	D
100,000 - 100,000	A¹	A	A	B	B	E
100,001 - 200,000	K	A	A	B	B	E
200,001 - 500,000	K	A	A	B	C	E
500,001 - 1,000,000	K	D	D	E	E	H
1,000,001 - 2,000,000	K	F	G	I	I	I
2,000,001 - 4,999,999	K	I	I	I	J	J
5,000,000 - 30,000,000	K	I	I	J	J	J

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
E	Blood Profile, Urinalysis, Paramed, EKG, Inspection Report
F	Blood Profile, Urinalysis, Paramed, Inspection Report, Financial Questionnaire
G	Blood Profile, Urinalysis, Paramed, EKG, Inspection Report, Financial Questionnaire
H	Blood Profile, Urinalysis, EKG, Inspection Report, Physician Exam
I	Blood Profile, Urinalysis, EKG, Inspection Report, Financial Questionnaire, Physician Exam
J	Blood Profile, Urinalysis, Inspection Report, Financial Questionnaire, Physician Exam, Treadmill EKG
K	N/A

Footnote Key
1	$100,000 maximum face amount for ages 15-18.

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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New Press Release- Chicago, IL, September 3,2003
BANK ONE COMPLETES PURCHASE OF ZURICH LIFE HERE!

New Press Release- January 14, 2004
J. P. MORGAN CHASE & CO. AND BANK ONE CORPORATION TO MERGE HERE!

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