Preferred Plus NonTobacco: No tobacco for 5 years

Preferred Plus NonTobacco: No tobacco for 5 years

Premier NonTobacco: None in past 48 months

Best Case: No tobacco usage and negative urine specimen. Note: Celebratory cigar usage
(12 cigars or less per year) and urine is negative can be considered for non-tobacco rates.

Preferred classes consideration possible 

Decline to offer if tobacco usage admitted and/or nicotine in urine is positive.
Tobacco rates would apply.

Questions to ask:

• - Frequency of use

• - Type of tobacco use

• - Date usage stopped, if applicable
   

Preferred plus NonTobacco: No use of tobacco or nicotine based products in last 36 months.

Preferred NonTobacco: No use of tobacco or nicotine based products in last 24 months.

Standard Plus NonTobacco: No use of tobacco or nicotine based products in last 12 months.

Standard NonTobacco: No use of tobacco or nicotine based products in last 12 months.


Genworth: Co

No use of nicotine or nicotine substitutes permitted

Preferred best: In last 5 years

Preferred: In last 3 years

Select: In last 2 years

Standard: In last 12 months

Preferred NonTobacco: 12 months without nicotine

Preferred Plus: 3 years

Preferred best: 5 years

Occasional cigars usage is acceptable 1-4 months but lab results must be negative.
Any other tobacco products count as nicotine classification.
 

No Tobacco Super Preferred: No tobacco (Minimum duration) No use of tobacco or nicotine
products in any form within the past 5 years

Preferred no tobacco: No use of tobacco or nicotine products in any form within the past 3 years

No Tobacco Super Preferred: No tobacco (Minimum duration). No use of tobacco or nicotine
products in any form within the past 5 years

Preferred no tobacco: No use of tobacco or nicotine products in any form within the past 3 years

Preferred Criteria: Preferred NonSmoker 18-70
Meets the Preferred criteria and has not used any form of tobacco or nicotine products within the
last 2 years with the exception of the following:

Limited Cigar Use: An occasional cigar smoker may qualify for Preferred Non-Smoker rates if
smokes 12 cigars or less per year and micro urinalysis is free of nicotine.

Preferred Smoker 18-70
Meets the Preferred criteria but has used cigarettes within the last 12 months.

Super preferred criteria: Meets the Super Preferred criteria and has not used any form of
tobacco or nicotine products within the last 5 years with the exception of the following:

Limited Cigar Use: An occasional cigar smoker may qualify for Super Preferred Non-Smoker
rates if he/she smokes 12 cigars or less per year and micro urinalysis is free of nicotine.

Preferred NonSmoker:
Meets the Preferred criteria and has not used any form of tobacco or nicotine products within the
last 2 years with the exception of the following:

Limited Cigar Use: An occasional cigar smoker may qualify for Preferred Non-Smoker rates if
he/she smokes 12 cigars or less per year and micro urinalysis is free of nicotine.

Preferred Smoker:
Meets the Preferred criteria but has used cigarettes within the last 12 months.

Meets the Super Preferred criteria and has not used any form of tobacco or nicotine products
within the last 5 years with the exception of the following:

Limited Cigar Use: An occasional cigar smoker may qualify for Super Preferred Non-Smoker
rates if he/she smokes 12 cigars or less per year and micro urinalysis is free of nicotine.
 

Preferred Plus Nontobacco: Preferred Plus is Lincoln’s best risk classification and
includes those applicants who have not used tobacco or nicotine in any form in the
past 36 months except for the occasional cigar, provided the urine specimen is negative for
nicotine, and meet all of the Preferred Plus criteria.

Preferred Nontobacco: This class is for clients who enjoy exceptional health and have not used
tobacco or nicotine in any form in the past 24 months except for the occasional cigar, provided
the urine specimen is negative for nicotine, and meet all the Preferred criteria.

Standard Nontobacco: This class represents those insureds who have an average life
expectancy and do not meet Preferred criteria. This class includes cigar, pipe, or chewing
tobacco users who may test positive for nicotine but excludes cigarette smokers.

Preferred Tobacco: This class is similar to the Preferred Nontobacco class where the insured
meets all the Preferred criteria, but the insured has smoked cigarettes within the past 12 months.

Standard Tobacco: This class is similar to the Standard Nontobacco class, but the insured has
smoked cigarettes within the past 12 months.
 

For Elite Plus, Preferred Plus, Elite, Standard Plus, Preferred Nonsmoker and Preferred Smoker,
proposed insureds must meet all other criteria. Cigars, pipes and smokeless tobacco with
negative urine specimen qualify for nonsmoker rates; however, Standard Plus and
Preferred Nonsmoker are the best available classes. Regardless of admission of cigarette
smoking or tobacco use, appropriate smoker class will be assigned when urine is positive for nicotine.

Elite Plus, Preferred Plus or Elite (Non-Tobacco): No tobacco (in any form) or nicotine
substitute use (e.g., nicotine patch, gum, nasal spray) within 5 years (60 months) of application
and urinalysis negative for nicotine. Celebratory cigars (no more than 4 per year), with negative
nicotine test, qualify for Preferred Plus and Elite, not Elite Plus.

Standard Plus or Preferred Nonsmoker (Non-Tobacco): No cigarette smoking or use of
nicotine substitutes within 24 months of application and urinalysis negative for nicotine; alternate
forms of tobacco use (cigar, pipe or smokeless tobacco) currently or in the past and urinalysis
negative for nicotine.

Preferred Smoker: Cigarette smoking or use of tobacco substitutes currently or within 24
months of application; or a urinalysis positive for nicotine.

Standard or Substandard Nonsmoker: Average or impaired risk, no cigarette smoking or use
of nicotine substitutes within 12 months of application; tests negative for nicotine or no testing required.

Standard or Substandard Smoker: Average or impaired risk, cigarette smoking or use of
nicotine substitutes within 12 months of application.
 

Preferred Select Criteria: No tobacco or nicotine use in past 36 months. Nicotine (cotinine)
reading on specimen must be negative.

Preferred Criteria: No tobacco or nicotine use in past 12 months. Nicotine (cotinine) reading on
specimen must be negative.

Non Tobacco Plus: No Tobacco or nicotine use in past 12 months. Nicotine (cotinine) reading on
specimen must be negative.
 

1. Occasional cigar users (one per month or less) can qualify for Preferred Plus, Preferred &
Standard Plus nontobacco rates if there is a negative urinalysis test
2. Clients who occasionally use marijuana may qualify for standard nonsmoker rates
3. Lifetime non-smoker credit

Preferred Plus Underwriting Criteria: No nicotine x 60 months, occasional cigar, nontobacco
available with negative HOS, no more than 12 cigars per year.

Preferred Underwriting Criteria: No nicotine x 36 months, occasional cigar, nontobacco,
available with negative HOS, no more than 12 cigars per year.

Standard Plus Underwriting Criteria: No nicotine x 12 months, occasional cigar, nontobacco
available with negative HOS, no more than 12 cigars per year.

(Note: Standard Plus tobacco is an available class)


National Life:

Verified Standard/Standard NonTobacco: Offers competitive rates for applicants who are fully
underwritten, who are standard risks, and who do not use tobacco

Express Standard NonTobacco: Available to applicants who do not use products containing
tobacco or nicotine who qualify as standard under quick underwriting. And to those with ratings
of four tables or less, who would otherwise be substandard.

Preferred Tobacco: Available to applicants who use products containing tobacco or nicotine
who meet all preferred guidelines. A blood profile and urinalysis are required for all preferred
tobacco applicants.

Standard Tobacco: Applicants who use tobacco and who do not otherwise meet preferred
guidelines will fall into this rate class.
 

Super Preferred NonTobacco for ADDvantage and Custom Guarantee. A Super Preferred risk
must meet the following requirements for ADDvantage and Custom Guarantee:

Has not used tobacco or nicotine, in any form in the past 5 years. Occasional cigar (up to 12 per year)
is acceptable if admitted on the application and urine specimen is negative for nicotine by-products.

Preferred NonTobacco: A Preferred Non-Tobacco risk must meet the following requirements
for ADDvantage and Custom Guarantee:

Has not used tobacco or nicotine, in any form, in the past 3 years. Occasional cigar (up to 12per year)
is acceptable if admitted on the application and urine specimen is negative for nicotine by-products.

A Super Preferred: Risk must meet the following requirements for Builder IUL, Custom
Accumulator III, Custom GrowthCV, Custom TermGUL, Guarantee Builder IUL, and Rapid Builder IUL. Tobacco:

Ages 70 and under: Has not used tobacco or nicotine, in any form, in the past 3 years.
Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine
specimen is negative for nicotine by-products

Ages 71 and over: Has not used tobacco or nicotine, in any form, in the past 5 years.
Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine
specimen is negative for nicotine by-products

Preferred NonTobacco: for Builder IUL, Custom Accumulator III, Custom GrowthCV, Custom
TermGUL, Guarantee Builder IUL, and Rapid Builder IUL.

A Preferred NonTobacco risk must meet the following requirements for Builder IUL, Custom
Accumulator III, Custom GrowthCV, Custom TermGUL, Guarantee Builder IUL, and Rapid
Builder IUL. Tobacco:

Ages 70 and under: Has not used tobacco or nicotine, in any form, in the past 2 years.
Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine
specimen is negative for nicotine by-products

Ages 71 and over: Has not used tobacco or nicotine, in any form, in the past 3 years.
Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine
specimen is negative for nicotine by-products

Preferred Tobacco: for ADDvantage, Builder IUL, Custom Accumulator III, CustomGrowthCV,
Custom Guarantee, Custom TermGUL, Guarantee Builder IUL, and Rapid Builder IUL.

A Preferred Tobacco: class is an otherwise Preferred Non-Tobacco risk for the appropriate issue age.

Tobacco Usage: Tobacco used allowed

• - No diagnosis of chronic bronchitis

• - No diagnosis of chronic obstructive pulmonary disease

• - No diagnosis of arteriosclerosis vascular disease

Standard Tobacco: for ADDvantage, Builder IUL, Custom Accumulator III, Custom GrowthCV,
Custom Guarantee, Custom TermGUL, Guarantee Builder IUL, and Rapid Builder IUL

A Standard Tobacco class is an otherwise Standard Non-Tobacco risk for the appropriate issue age
 

Preferred ages = 20-85; Super Preferred = 20-80

Super Preferred: Requires no tobacco use for prior 60 months.

Preferred NonTobacco: Requires non tobacco use for prior 12 months (prior 36
months for ages 71 to 85).

Preferred Tobacco: Includes all forms of tobacco.
A scorecard approach is used for each factor, with positive points for favorable factors and
negative points for unfavorable factors.

Preferred/Super Preferred Guidelines: Tobacco includes any form of tobacco and nicotine
product 9 cigar patch, gum, marijuana)

Preferred: No tobacco use for 1 year
Exception 12 or fewer cigars per years with a negative urine. For tobacco/preferred rates all
preferred criteria must be met except tobacco use.

Super Preferred: No tobacco use for 5 years
 

Select Preferred Guidelines: Proposed Insureds Through Age 70
No nicotine use for the past 5 years. Will allow up to 6 celebratory cigars over the past 12
months if usage is admitted on the application and/or medical examination and the current urine
specimen is negative for nicotine.

Preferred Guidelines: Proposed Insureds through Age 70
No nicotine use of any kind during the last 12 months. Will allow up to 12 celebratory cigars
over the past 12 months if usage is admitted on the application and/or medical examination and
the current urine specimen is negative for nicotine.

Select Preferred Guidelines: Proposed Insureds over Age 70
No nicotine for 5 years. Will allow up to 6 celebratory cigars over the past 12 months if usage is
admitted on the application and/or medical examination and the current urine specimen is negative for nicotine.

Preferred Guidelines Proposed Insureds over Age 70
No nicotine use of any kind during the last 12 months. Will allow up to 12 celebratory cigars over
the past 12 months if usage is admitted on the application and/or medical examination and the
current urine specimen is negative for nicotine.
 

Preferred Best: No tobacco or nicotine based products used in past 5 years.

Preferred Nonsmoker: No tobacco or nicotine based products used in past 3 years.

Nonsmoker Plus/Nonsmoker: No cigarettes within the past 12 months.

Celebratory cigar smoker can qualify for preferred NT rates subject to the following:

• 1.) Use admitted on the application

• 2.) Use is limited to no more than 1 Cigar per month

• 3.) HOS is negative

• 4.) Applicant who uses pipes, cigars, chewing tobacco, nicotine patches or nicotine gum can get
  Non smoker. Plus rates if they have not smoked cigarettes in the past 12 months and use is
  admitted on other application.
   

Term preferred plus/UL select: Not available for smoking (5 years 60 months)

Preferred NonSmoker: Not available for smoking (2 years 24 months)

Preferred Smoker: Available (Not available)

Standard Plus/term only: Not available (2 years 24 months)

Standard NonSmoker: Not available (2 years 24 months)

Standard Smoker: Available 
 

NonTobacco: No nicotine for 12 months - Standard NonTobacco or Select with HOS negative

Preferred NonTobacco: No nicotine for 24 months

Preferred Plus NonTobacco: Nicotine free for 36 months

Occasional cigar usage for celebrations- 1 month or less and with a negative HOS
 

In order to qualify for non-nicotine use rates, the proposed insured must not have used tobacco
or nicotine products in any form (gum, patches, cigars, etc.) within one year prior to the application.
To qualify for Super Preferred, however, the time frame is five years.

We may forgive up to six celebratory cigars per year. For any other non-nicotine risk class, we may
forgive up to 12 celebratory cigars per year. All current positive cotinine (nicotine) results will be
treated as nicotine usage. The best class for nicotine usage is Standard.

We offer a Preferred Tobacco class for our individual Universal Life products.
 

Preferred Plus NonTobacco: No use of tobacco or nicotine based products in last 36 months.

Preferred NonTobacco: No use of tobacco or nicotine based products in last 24 months.

Standard Plus NonTobacco: No use of tobacco or nicotine based products in last 12 months.

Standard NonTobacco: No use of tobacco or nicotine based products in last 12 months.