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

Super-T Term 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
Chase Insurance - Super-T Product Features
State Approvals Super-T 2003 is available in all states except MS NJ NY OR. MS NJ OR continue to use 2002 rates.
Type 20 and 30-year level premium plans. The level-premium guarantee period is 10 years for both plans.
Conversion Options Prior to the earlier of the 20th policy anniversary 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 Life at that time and have a higher minimum-premium rate than the Super-T plan at the time of conversion.
Issue Ages Age Nearest Birthday
                Non-Tobacco Tobacco
20-Year Plan       1-65       15-60
30-Year Plan       1-50       15-45


In Washington only:
20-year plan       15-60      15-60
30-year plan       15-50      15-45
Face Amounts
Min/Max		 Ages 1 through 14: $5,000 (up to $20,000)
Band 1: $50,000-$99,999
Band 2: $100,000-$249,999
Band 3: $250,000-$999,999
Band 4: $1,000,000+
Modal Factors Semi-annual = 0.520
Quarterly = 0.300
Monthly = 0.087
Policy Fee $60 ($50 if Face Amount is at least $250,000).
Special Product
Features		 Accelerated Death Benefit Rider (XDB)*
This rider is available to issue ages 1 through 80 without additional
premium cost and is added automatically to the base policy and
companion policy coverages in states where this rider is approved; it
will be added, retroactive to the issue date of the base policy, once
a state does approve it.(See policy form S-9325 for additional details)

Dependent Children’s Rider (DCR)
Person(s) covered: All children
Issue ages: Age 18-60, primary insured; Age 15 days to 18 years, children
Substandard: Through Table H for insured; rated children excluded from coverage
Minimum amount: 5 units ($5,000)
Maximum amount: 20 units ($20,000)
Expires: Earlier of base-plan anniversary nearest insured’s age 65 or as each child reaches age 23
Rate: $8 annually per unit (See policy form S-9308 for additional details)

Waiver of Premium (WP)*
Person covered: Base-plan insured or companion policy insured
Issue ages: 20 through 55
Premiums waived: All premiums, including base plan, riders, policy fee, and substandard extras
Substandard: Through Table D
Minimum amount: Same as base plan
Expiration: Policy anniversary nearest insured’s attained age 60 (but
premiums will continue to be waived if eligible disability occurs
before and continues beyond age 60)
Rate: Multiply total premium (including base plan, sub-standard
extras, other rider premiums, and policy fee) by factor 0.21951 (See policy form S-9335 for additional details)

*Not Available in all states
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Underwriting Guidelines
Chase Insurance - Super-T
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 plans allow for one re-entry qualification, at the end of the initial selected period (i.e., after 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 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 (20 or 30) 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 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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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!