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SBLI
Savings Bank Life Insurance Company of Mass Products
SBLI
is a solid financial and insurance resource backed
by a combination of innovative products and service
beyond expectations.
SBLI
SBLI
Savings Bank Life Insurance Company of Mass
is continually expanding
their insurance product offerings, and
are now available to consumers in California,
Delaware, District of Columbia, Maine, Maryland, New
Hampshire, New Jersey, North Carolina, Pennsylvania,
Rhode Island, Tennessee, Vermont, Virginia, and West
Virginia |
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Savings Bank
Life Insurance
Co of Mass -
Guaranteed Level
Premium Term
Product Features
|
State Approvals |
Only available
in CA, CT, DC,
DE, MA, MD, ME,
NH, NJ, NC, PA,
RI, TN, VA, VT |
|
Type |
Guaranteed level
for the entire
term period 10,
15, 20, 25, or
30 years |
|
Conversion
Options |
Convertible to
age 65. However,
policies issued
after age 60
will be eligible
for conversion
for 5 policy
years. |
|
Issue Ages |
Age Nearest
Birthday
10 Year: 20-74
(70 for Tobacco
Users)
15 Year: 20-65
(60 for Tobacco
Users)
20 Year: 20-60
(55 for Tobacco
Users)
25 Year: 20-55
(50 for Tobacco
Users)
30 Year: 20-50
(45 for Tobacco
Users) |
Face Amounts
Min/Max |
$100,000-$249,999
$250,000-$500,000
$1,000,000-$10,000,000 |
|
Modal Factors |
Semi-annual =
.51
Quarterly = .26
Monthly = .087
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Policy Fee |
$60 |
Special Product
Features |
Child Rider
$5,000 Min. -
$10,000 Max.
Waiver of
Premium
Available to age
55 |
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Savings Bank
Life Insurance
Co of Mass -
Guaranteed Level
Premium Term
Underwriting
Guidelines
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Classes |
Preferred Plus
Non-Nicotine
Preferred
Non-Nicotine
Select
Non-Nicotine
Standard
Non-Nicotine
Preferred
Nicotine
Standard
Nicotine
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Re-entry |
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Tobacco
Definition |
Preferred
Plus
Non-Nicotine:
No nicotine for
5 years
Preferred
Non-Nicotine:
No nicotine for
3 years
Select
Non-Nicotine:
No nicotine for
2 years
Standard
Non-Nicotine:
No nicotine for
2 years
Preferred
Nicotine:
Not exceeding
one pack per day
and no use of
other nicotine
products
Standard
Nicotine:
Tobacco use
exceeding one
pack per day
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Special
Underwriting
Features |
Preferred
Plus
Non-Nicotine
Nicotine:
No nicotine for
5 years
Blood
Pressure: No
treatment, past
or present
130/80 up to age
49
135/85 age 50
and over
Cholesterol:
No history or
current
treatment
Maximum-225
CHL/HDL
Ratio:
Maximum 4.5
Cholesterol:
If taking
cholesterol
lowering
medication, with
no adverse side
effects, for
at least 12
consecutive
months,
applicant may
qualify for
Preferred Plus
Non-nicotine
rates. To
qualify for
these rates,
proposed insured
must not have
total
cholesterol
exceeding 200
and the
cholesterol/HDL
ratio cannot
exceed 4.0 on
laboratory
results from the
insurance exam.
This compares
with
untreated
cholesterol
markers of 225
and 4.5
respectively for
Preferred Plus
Non-Nicotine.
The Underwriting
Department
suggests that if
you have a
client who is
taking a
cholesterol
lowering
medication, you
should quote
BOTH Preferred
Plus
Non-Nicotine and
Preferred
Non-Nicotine
premium rates.
Blood
Profile/HOS:
All values
within normal
range
Family
History: No
CVD, diabetes or
cancer in parent
or sibling prior
to age 60
Driving
Records: No
more than one
DUI, none in the
last 7 years; No
reckless driving
in last 7 years;
No more than one
MV in last 3
years: No
license
suspension
within the last
3 years
Alcohol/Substance
Abuse: No
history of or
treatment for
alcohol or drugs
Personal
History: No
personal history
of cancer, CVD
or diabetes
mellitus
Residence:
US resident for
last 3 years and
US citizen or
permanent Visa
or Green Card;
No intention to
travel to LDC
Occupation/Avocation:
No hazardous
occupation/avocations;
Private pilot ok
with exlusion;
Active military
not accepted;
Scuba diving
less than 30
feet
Preferred
Non-Nicotine
Nicotine:
No nicotine 3
years
Blood
Pressure:
Currently
controlled by
meds
135/85 up to age
49
140/90 age 50
and over
Cholesterol:
Current tx (>1
yr)/hx
acceptable
Maximum-250
CHL/HDL
Ratio:
Maximum 5.5
Blood
Profile/HOS:
All values
within normal
range
Family
History: No
death in parent
or sibling prior
to age 60 due to
CVD or CA
Driving
Records: No
more than 1 DUI,
none last 5
years; No
reckless in last
5 years; No more
than 2 MV in
last 3 yrs; No
license
suspension
within last 3
yrs
Alcohol/Substance
Abuse: No
history or
treatment for
alcohol/drugs
last 10 yrs
Personal
History: No
personal hx of
cancer, CVD or
diabetes
mellitus
Residence:US
resident for
last 3 years and
US citizen or
permanent Visa
or Green Card;
No intention to
travel to LDC
Occupation/Avocation:
No hazardous
occupations/avocations;
Private pilot ok
with exclusion;
Active military
considered if
stationed in US
and
non-hazardous
occupation;
Scuba diving <50
ft ok
Select
Non-Nicotine
Nicotine:
No nicotine for
2 years
Blood
Pressure:
Currently
controlled by
meds
140/90 up to age
49
145/90 age 50
and over
Cholesterol:
Current
treatment/hx
acceptable range
for class
Maximum-275
CHL/HDL
Ratio:
Maximum 6.5
Blood
Profile/HOS:
Values within
acceptable range
for class
Family
History: Not
more than one
CVD or CA death
in parents prior
to age 60
Driving
Records: No
DUI in last 5
years; No more
than 2 MV in
last 3 yrs
Alcohol/Substance
Abuse: No
history or
treatment for
alcohol/drugs
last 10 yrs
Personal
History: No
personal hx of
cancer, CVD
Residence:
US resident for
last 3 years and
US citizen or
permanent Visa
or Green Card;
Flat extra for
travel to LDC
Occupation/Avocation:
Hazardous
occupation/
avocation
subject to
rating; Flat
extra or
exclusion for
private pilot;
Active military
considered if
stationed in US
and
non-hazardous
occupation;
Scuba diving
<75ft ok, >75ft
flat extra
Standard
Non-Nicotine
Nicotine:
No nicotine 2
years
Blood
Pressure:
Currently
controlled by
meds
Insurability and
ratings depend
on actual B/P
and other
medical
conditions
Cholesterol:
Current treat/hx
acceptable
Maximum-300
CHL/HDL
Ratio:
Maximum 7.5
Blood
Profile/HOS:
Values within
acceptable range
for class
Family
History:
More than 1 CVD
death in parents
prior to age 60
Individual
Consideration
Driving
History: DUI
within 12
months-no offer;
DUI 1 to 5
yrs-flat extra;
No more that 3
MV in last 3 yrs
Alcohol/Substance
Abuse: No
history or
treatment for
alcohol/drugs
last 7 years
Personal
History:
Need specifics
on any cancer or
CVD; May require
rating
Residence:
US Resident for
2 years; US
citizen or
permanent Visa
or Green Card;
Flat extra for
travel to LDC
Occupation/Avocation:
Hazardous
occupation/
avocation
subject to
rating; Flat
extra or
exclusion for
private pilot;
Active military
considered if
stationed in US
and
non-hazardous
occupation;
Scuba diving
<100ft ok,
>100ft flat
extra
Preferred
Nicotine
Nicotine:
Not exceeding
one pack per day
and no use of
other nicotine
products
Blood
Pressure:
Currently
controlled by
meds
135/85 up to age
49
140/90 age 50
and over
Cholesterol:
Current treat
(>1yr)/hx
acceptable
Maximum 250
CHL/HDL
Ratio:
Maximum 5.5
Blood
Profile/HOS:
All values
within normal
range
Family
History: No
death in parent
or sibling prior
to age 60 due to
CVD or CA
Driving
Record: No
more than 1 DUI,
none last 5
years; No
reckless in last
5 years; No more
than 2 MV in
last 3 yrs; No
license
suspension
within last 3
yrs
Alcohol/Substance
Abuse: No
history or
treatment for
alcohol/drugs
last 10 years
Personal
History: No
personal hx of
cancer, CVD or
diabetes
mellitus
Residence:
US resident for
last 3 years and
US citizen or
permanent Visa
or Green Card;
No intention to
travel to LDC
Occupation/Avocation:
No hazardous
occupations/avocations;
Private pilot ok
with exclusion;
Active military
considered if
stationed in US
and
non-hazardous
occupation;
Scuba diving <50
ft ok
Standard
Nicotine
Nicotine:
Tobacco use
exceeding 1 pack
per day
Blood
Pressure:
Currently
controlled by
meds;
Insurability and
ratings depend
on actual B/P
and other
medical
conditions
Cholesterol:
Current treat/hx
acceptable;
Maximum 300
CHL/HDL
Ratio:
Maximum 7.5
Blood
Profile/HOS:
Values within
acceptable range
for class
Family
History:
More than 1 CVD
death in parents
prior to age 60
Individual
Consideration
Driving
Records: DUI
within 12
months-no offer;
DUI 1 to 5
yrs-flat extra;
No more that 3
MV in last 3 yrs
Alcohol/Substance
Abuse: No
history or
treatment of
alcohol or drug
abuse in last 7
years
Personal
History:Need
specifics on any
cancer or CVD/may
require rating
Residence:US
Resident for
last 2 years and
US citizen or
permanent Visa
or Green Card;
Flat extra for
travel to LDC
Occupation/Avocation:
Hazardous
occupation/avocation
subject to
rating; Flat
extra or
exclusion for
private pilot;
Active military
considered if
stationed in US
and
non-hazardous
occupation;
Scuba diving <75
ft ok, >75 ft
flat extra
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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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