Prudential Financial Products

Term Essential 10: 18-75 (70 in WA, 69 in NY)
Term Essential 15: 18-70 (65 in WA, 64 in NY)
Term Essential 20: 18-65 (60 in WA, 59 in NY, 63 in MD)(60 for Tobacco Users except 59 in NY)
Term Essential 30: 18-50 (44 in NY)(45 for Tobacco Users except 44 in MD & NY)

Paramed Exam Limits
(Amounts over these require an MD Exam)
Age 18-39            Max. Amount $9,999,999
Age 40-59            Max. Amount $4,999,999
Age 60 & up         Max. Amount $2,499,999

Inspection Reports & Requirements
(Amounts over these require an inspection report)
Life New Business process
$1,000,000 & up
For Paper Application
Age 18-34          $800,000 & up
Age 35-44          $200,000 & up
Age 45 & up       $100,000 and up

Cholesterol: Under 220; Cholesterol/HDL ratio 5 or less; Without medication

Build: Weight must be within acceptable limits per Physical Measurements (Build) Table.

Family History: No death of a parent or sibling prior to age 70 due to: Coronary Artery Disease (CAD), Cerebrovascular Disease (CVD), Diabetes Mellitus, or Cancer

Personal History: No personal history of: Coronary Artery Disease (CAD), Diabetes Mellitus, Hepatitis C or Cancer (except skin cancer, excluding melanoma).

Alcohol/ Drug Abuse: No history of alcohol/drug abuse or treatment and no current drug use.

Driving History: No DWI or reckless driving within the last 5 years; No license suspension within the last 3 years; No more than 1 citation for moving violation or motor vehicle accident within the last 3 years

Avocation: No hazardous activities (e.g. automobile or motorcycle racing, sky diving, scuba diving, bungee jumping).

Aviation: No private piloting or ratable business or military flying

Travel: No business or vacation travel outside the U.S. more than 3 months; No travel to hazardous locations (e.g. countries with political turbulence)

Residence: Must be full time, permanent U.S. resident.

Ratings: No Occupation, Aviation or Temporary Extra, no substandard ratings of any kind.

Preferred Non-Tobacco:
Blood Pressure: Up to 135/85 for ages up to 49; Up to 140/90 for ages 50 and over; With or without medication

Cholesterol: Under 250; Cholesterol/HDL ratio 6 or less; With or without medication

Build: Weight must be within acceptable limits per Physical Measurements (Build) Table.

Family History: No death of a parent or sibling prior to age 65 due to: Coronary Artery Disease (CAD), Cerebrovascular Disease (CVD), Diabetes Mellitus, or Cancer

Personal History: No personal history of: Coronary Artery Disease (CAD), Diabetes Mellitus or Cancer (except skin cancer, excluding melanoma)

Alcohol/ Drug Abuse: No history of alcohol/drug abuse or treatment within the last 10 years and no current drug use.

Driving History: No DWI or reckless driving within the last 5 years; No license suspension within the last 3 years; No more than 2 citations for moving violation or motor vehicle accidents within the last 3 years

Avocation: No ratable activities. No activities that would preclude the purchase of ADB (e.g. drag racing at speeds over 120 mph, scuba diving 101-130 feet with basic open water certification).

Aviation: No private piloting or ratable business or military flying.

Travel: No business or vacation travel outside the U.S. more than 3 months; No travel to hazardous locations (e.g. countries with political turbulence)

Residence: Must be full time, permanent U.S. resident.

Ratings: No Occupation, Aviation or Temporary Extra, no substandard ratings of any kind.

Non-Smoker Plus:
Blood Pressure: Up to 140/90 for ages up to 49; Up to 145/90 for ages 50 and over; With or without medication

Cholesterol: Under 275; Cholesterol/HDL ratio 7 or less; With or without medication

Build: Weight must be within acceptable limits per Physical Measurements (Build) Table

Family History: No death of a parent or sibling prior to age 60 due to: Coronary Artery Disease (CAD), Cerebrovascular Disease (CVD), Diabetes Mellitus, or Cancer

Personal History: Actual medical history will be evaluated to determine qualification for this class. Personal history requiring a rating not permitted.

Alcohol/ Drug Abuse: Actual alcohol/drug history will be evaluated to determine qualification for this class. History requiring a rating not permitted.

Driving History: Actual driving history will be evaluated to determine qualification for this class. Driving record requiring a rating not permitted.

Avocation: Occupation Ratings available for avocation.

Aviation: No ratable aviation (e.g. private pilots flying more than 200 hours per year).

Travel: Occupational Ratings available for foreign travel and depend on factors such as location traveled to and length of stay.

Residency: Available to certain non-U.S. residents. Subject to applicable rules and restrictions. Contact Underwriting prior to submitting an application.

Ratings: Occupational Extras may be permitted for travel or avocation only.

Non-Smoker:
Blood Pressure: Insurability and ratings depend on ability to control blood pressure and other medical conditions.

Cholesterol: Insurability and ratings depend on cholesterol levels and other medical conditions.

Weight: Insurability and ratings depend on actual weight and other medical conditions.

Family History: Insurability and ratings depend on details of family history and personal medical history. Some medical conditions may be rated. Some drug/alcohol histories may be rated. Insurability and ratings depend on severity and how recent the history was.

Driving History: May be rated depending on actual driving history. Hazardous duties may be acceptable. Occupation Ratings available for avocation

Aviation: Insurability and ratings depend on actual aviation history

Travel: Insurability and ratings depend on location traveled, length of stay and reason for visit. May be non-U.S. resident. Contact underwriting prior to submitting. Substandard rating classes A.