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Life
Insurance
North
American
Company for Life and Health Insurance
Term Life America Insurance
is
proud to offer
North American Life Insurance.
Solid resources backed by a combination of innovative products and
service beyond expectations. |
Products
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North American Company for Life
and Health Insurance -
Impact Plus Series |
Impact Plus Series Product Features |
State Approvals |
Available in all states except NY |
Type |
10, 15, 20, 30 Year guaranteed level term
Impact Plus Series is issued on policy form series
LS143A, where available. |
Conversion Options |
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Issue Ages |
Age Nearest Birthday
Impact Plus 10:
SPNT: 18-75
PNT:
18-85
SNT: 18-85
PT: 18-75
ST: MALE: 18-80;
FEMALE: 18-85
Impact Plus 15:
All classes: 18-75
Impact Plus 20:
All classes: 18-70
Impact Plus 30:
All classes: 18-60
State Variations
MARYLAND
Until Maryland approves the 2001 CSO policy form, Impact
Plus will be issued with the same variations that the
state has on the current Impact Term plans:
* Maturity age = 95
* Policy Form Number by Plan:
Impact Plus 10, Impact Plus 15 and Impact Plus 20 -
LS108A
Impact Plus 30 - LS114A
* Issue Ages by Plan (age nearest):
Impact Plus 10 -
Ages 18-75, Male & Female, all bands, all classes
Impact Plus 15 - Ages 18-65, Male & Female, all bands,
all classes
Impact Plus 20 - Ages 18-60, Male &
Female, all bands, all classes
Impact Plus 30, Band 1:
Non-Tobacco classes - Male
ages 18-44; Female ages 18-50
Tobacco classes - Male
ages 18-39; Female ages 18-45
Impact Plus 30, Bands 2 and 3:
Non-Tobacco classes -
Male 18-45; Female 18-50
Tobacco classes - Male
18-40; Female 18-45
MONTANA-
Unisex (females use male rates)
WASHINGTON
Issue Ages by Plan (age nearest). Applies to Male &
Female, all bands, all classes:
Impact Plus 10 - Ages 18-70
Impact Plus 15 - Ages
18-65
Impact Plus 20 - Ages 18-60
Impact Plus 30 -
Ages 18-50 |
Face Amounts
Min/Max |
Band 1: $100,000 to $249,999.99
Band 2: $250,000 to
$499,999.99
Band 3: $500,000 & up |
Modal Factors |
Semi-annual = .53
Quarterly = .285
Monthly = .0875 |
Policy Fee |
$65(Fully Commissionable) |
Special Product
Features |
Family Rider issued on form series LRS44A
Child Rider
issued on form series LRS-45A
Waiver of Premium
issued on form series LRS-191A
Additional Insurance
Option issued on form series LRS-313A<BR< td> |
North American Company for
Life and Health Insurance - Impact Plus Series
Underwriting Guidelines |
Classes |
Super Preferred Non-Tobacco
Preferred Non-Tobacco
Standard Non-Tobacco
Preferred Tobacco
Standard
Tobacco |
Re-entry |
Renewable to age 98 in all states except MD
Contact carrier for state variations |
Tobacco Definition |
Requirements for Tobacco Underwriting Classifications:
Preferred Tobacco
• All requirements
needed for the Preferred Non-Tobacco class for the
appropriate issue age
• Tobacco usage
Has used
tobacco or nicotine in some form during the last 24
months
Cigarette use:
No more than one pack per
day Other Forms:
Daily or less frequent use
• No
diagnosis of chronic bronchitis
• No diagnosis of
chronic obstructive pulmonary disease
• No diagnosis
of arteriosclerotic vascular disease
Standard Tobacco • All requirements
needed for Standard Non-Tobacco class for the
appropriate issue age
• Tobacco usage
Has used
tobacco or nicotine in some form during the last 12
months |
Special
Underwriting Features |
Unisex Requirements for Super Preferred
Non-Tobacco
and Preferred Non-Tobacco
Underwriting Classifications | | Super
Preferred Non-Tobacco |
Preferred Non-Tobacco |
Aviation | Commercial pilots or
with Aviation Exclusion Rider only. | Non-ratable licensed
commercial and private pilots
are acceptable. | Blood
Pressure | Up to age 64: Has blood
pressure that is 140/85 or better, without
treatment,
from all sources. Age 65 and
above: Has blood pressure that is 145/90 or
better, without treatment, from all sources. | Up to age 64: Has blood
pressure that is 150/90 or
better,with or
without treatment, from all sources.
Age 65
and above: Has blood pressure that is 155/93 or
better,with or without treatment, from all
sources. |
Cholesterol | Has a cholesterol count,
with or without treatment, of 230 or less, with
a total cholesterol /HDL ratio of 4.5 or less | Has a cholesterol count,
with or without treatment, of 250
or less,
with a total cholesterol /HDL ratio of 6.0 or
less |
Citizenship | Is a US Citizen or has
had permanent resident status for at least 2
years. | Is a US Citizen or has
had permanent resident status for
at least 2
years. | Driving | Has not had more than 2
moving violations in the past 3 years, or a DWI,
DUI or reckless driving conviction or license
suspension in the past 10 years. | Has not had more than 3
moving violations in the past
3 years, or a
DWI, DUI or reckless driving conviction or
license suspension in the part 5 years. |
Drug/Alcohol | No history of drug or
alcohol abuse or treatment. | No history of drug or
alcohol abuse or treatment within the
past 10
years. | Family
History | Has not had a natural
parent or sibling die from coronary artery
disease or cancer prior to age 60. | Has not had a natural
parent die from coronary artery
disease prior
to age 60. | Foreign
Travel | Travel to countries or
areas considered hazardous by North American not
allowed. | Travel to countries or
areas considered hazardous by
North American
not allowed. |
Military | Not an active duty
military risk. | Not an active duty
military risk. |
Personal History | No history of cancer
(excluding non-melanoma skin cancers), diabetes,
cardiovascular disease, coronary artery disease,
or other significant health
problems. | No history of cancer
(excluding non-melanoma skin cancers), diabetes,
cardiovascular disease, coronary artery disease,
or other significant health problems. |
Recreation | No hazardous sports
activity in the past 2 years, no future plans to
participate in hazardous sports.Nontechnical
(wreck, cave, ice, etc.) scuba diving with
maximum depth of 50 feet is acceptable. | Non-ratable hazardous
sports (e.g. racing, scuba diving,
skydiving)
are acceptable. | Tobacco | Has not used tobacco or
nicotine, in any form, (including nicotine
patches and gum) in the past 36 months. | Has not used tobacco or
nicotine, in any form, (including
nicotine
patches and gum) in the past 24 months. |
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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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