Insured’s Age
0-15 16-40 41-50 51-60 61-70 71 & Above
Death
Benefit Amount
0 – 250,000 Non-Medical Specimen (HOS) + Blood ProfileParamedical + Home Office Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + Med Plus + HOS + Blood Profile + Electrocardiogram (EKG) 250,001 – 500,000 Non-Medical Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + Med Plus + HOS + Blood Profile + EKG 500,001 – 750,000 Non-Medical Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile + EKG Paramedical + Med Plus + HOS + Blood Profile + EKG 750,001 – 1,000,000 Non-Medical Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + Med Plus + HOS + Blood Profile + EKG 1,000,001 – 3,000,000 Exam by Personal Physician + HOS Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + Med Plus + HOS + Blood Profile + EKG 3,000,001 – 5,000,000 Exam by Personal Physician + HOS Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + Med Plus + HOS + Blood Profile + EKG 5,000,001 – 10,000,000 Exam by Personal Physician + HOS Paramedical + HOS + Blood Profile Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + Med Plus + HOS + Blood Profile + EKG 10,000,001 and up Exam by Personal Physician + HOS Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + HOS + Blood Profile + EKG Paramedical + Med Plus + HOS + Blood Profile + EKG
Smokers Only: Treadmill EKG
Insured’s Age Death Benefit Amount Insured(s)
Treadmill EKG 56-69 $5,000,001 & Up Single Life
$10,000,001 & Up Joint Life Attending Physician Statement (APS): For Routine Visits
Insured’s Age Death Benefit Amount Note and Exclusions
0-17 $250,000 + - Risk Selection may request an APS at any time for cause.
- Routine visits generally exclude: employment, school, or insurance physicals, routine normal OB/GYN related exams, and routine care for cold, flu, allergies, and minor accidental injuries. - An APS can be ordered for up to a $150 fee without underwriter approval.
18-40 Over $2,000,000 within 2 years 41-60 Over $1,000,000 within 3 years 61 & Above All amounts
Life Insurance Medical Underwriting Requirements
Requirements are based on age as of nearest birthday
MKTG-OC-672E For Life Insurance Producer Use Only. Not for Use with the Public. Page 1 of 4
International Cases: Wealthy Global Citizen Guidelines Where to Get Info
Consult Risk Selection (underwriting) or go to Lifeline.PacificLife.com/Underwriting & New Business/Underwriting/Risk Selection/Wealthy Global Citizen Guidelines.
Underwriting Requirements Issue Age Death Benefit Amount
Motor Vehicle Report 16+ $100,000 & Up Express Report 0-17 Consult Risk Selection
18-69 $5,000,000 - $10,000,000 Inspection Report (IR) 0-17 Consult Risk Selection
18-69 $10,000,001 & Up* 70+ $3,000,000 & Up 3rd Party Financial Statements
or Equivalent All ages $10,000,001 & Up*
* Underwriting may require an IR and/or 3rd party financial statements under this amount when circumstances warrant it.
Personal Physician Examinations for Ages 0-15:
To request a lab kit, please send an e-mail to LabKITRequests@PacificLife.com Age of Evidence
Age Application Exam (Paramed, MD Exam) Profile/HOSBlood RestingEKG - EKG - Stress
0-70, Standard or Better
Not by exception 6 months 12 months 12 months 12 months 24 months
0-70, other than above 6 months 6 months 6 months 12 months 24 months
71-90 6 months 6 months 6 months 12 months 24 months
Additional Requirements for Medical Exams Over 90 Days
Exam Age Certificate of Health (C of H) Part II, Non-Med Application, ScriptCheck Attending Physician Statement (APS)
0-90 days No No Underwriter Discretion Underwriter Discretion
91-120 days Yes No Underwriter Discretion Underwriter Discretion
121 days-12 months No Yes Yes Ages 0-70: Underwriter Discretion
Ages 71+: Yes
Additional Underwriting Requirements and Vendor Information
For Life Insurance Producer Use Only. Not for Use with the Public. Page 3 of 4
Approved Vendors
The paramedical exam consists of medical history, height, weight, pulse readings, and blood pressure.
Approved Vendors Contact Information Services Provided
American Paramedical Professional Systems, Inc (APPS) (800) 727-2101, (516) 822-6230,
www.appslive.com Paramed
Examination Management Services, Inc. (EMSI) (800) 872-3674,
www.emsinet.com Paramed, IR, Express Report
ExamOne (877) 933-9261, www.examone.com Paramed, IR Parameds.com (888) 766-3999, www.parameds.com APS Portamedic Services (866) 335-5575, www.eportamedic.com Paramed
MKTG-OC-672E For Life Insurance Producer Use Only. Not for Use with the Public. 15-27057-10 4/14 Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not
backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.
Pacific Life’s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. Pacific Life Home Office is located in Newport Beach, CA.
Pacific Life Insurance Company Newport Beach, CA
(800) 800-7681 • www.PacificLife.com
Pacific Life & Annuity Company Newport Beach, CA
(888) 595-6996 • www.PacificLife.com
Investment and Insurance Products: Not a Deposit Not Insured by any Federal Government Agency
Not FDIC Insured No Bank Guarantee May Lose Value
13-VER-16 For Life Insurance Producer Use Only. Not for Use with the Public. page 1
Pacific PRIME
SMTERM
Quick Underwriting Guide
Got a client with a medical condition? Less than stellar driving history?
Risky hobby? Use this guide to give you and your client an idea of the underwriting outcome for Pacific PRIMESM Term* term life insurance. Pacific Life will provide a
progressive and competitive evaluation based on the information gathered during our streamlined process.1
* Pacific PRIME is a registered trademark of Pacific Life, all rights reserved. Pacific PRIME Term is policy form #P12TRS or ICC12 P12TRS for simplified underwritten policies and policy form #P12TRF or ICC12 P12TRF for fully underwritten policies. Policy form number based on state in which the policy is issued. Form numbers will vary based on the age of the insured and the face amount chosen at time of application. Form numbers also correspond to the underwriting method associated with the application.
Insurable
†BEST CLASS STANDARD RATED
1 driving under the influence (DUI)
ticket in the last 5 years
Rarely Often Sometimes1-2 speeding tickets in the last 3 years
Often Often Rarely3+ speeding tickets in the last 3 years
Rarely Occasionally UsuallyAnxiety disorder
Often Usually SometimesAsthma
Occasionally, if no tobacco use Often Usually, if tobacco user Never, if tobacco userBungee jumping
Often Sometimes SometimesCommercial pilot
Usually Usually RarelyDepression
Occasionally Often SometimesDiabetes, type 2
(in good control, not overweight, and no tobacco use)
Never Often OccasionallyHeartburn
Often Occasionally RarelyHepatitis A
Often Sometimes RarelyHigh blood pressure
Sometimes Often OccasionallyHigh cholesterol
Sometimes Usually SometimesPregnant
Often Occasionally RarelyPrivate pilot
Sometimes Usually SometimesScuba diving
Often Sometimes SometimesSkin cancer (nonmelanoma only)
Often Usually OccasionallySleep apnea (under treatment
and no tobacco use)
Rarely Usually SometimesFrequency Scale
Usually Often Sometimes Occasionally Rarely Never
Potentially Insurable
†BEST CLASS STANDARD RATED
2 DUI in the last 5 years
Never Rarely UsuallyAlcoholism
(over 5 years ago and currently abstinent)
Rarely Occasionally OftenBipolar disorder
Never Occasionally UsuallyCancer (in remission and no recurrence in the last
5 years, no tobacco use)
Never Occasionally SometimesDiabetes, type 1
Never Rarely OftenDrug abuse
(over 10 years ago and consistently abstinent since)
Never Rarely OftenHeart attack (no tobacco use)
Never Occasionally UsuallyHepatitis B
Never Occasionally SometimesHepatitis C
Never Rarely UsuallyLeukemia
Never Rarely UsuallyLymphoma
Never Rarely UsuallyMilitary pilot
Rarely Sometimes OftenSky diving
(as an occasional adventure, not as a hobby)
Never Never UsuallyStroke/mini-stroke
Never Never, if tobacco user Usually Rarely, if no tobacco useFrequency Scale
Usually Often Sometimes Occasionally Rarely Never
For Life Insurance Producer Use Only. Not for Use with the Public. page 4
Not Insurable
†Alcoholism (current)
Alzheimer’s disease and other cognitive diseases
Cancer (with recurrence or uses tobacco)
Cirrhosis
Drug abuse (currently using)
Heart attack (tobacco user)
Lou Gehrig's disease
Organ transplant recipient
Polycystic kidney disease
Uncontrolled diabetes mellitus
Need more specific help?
Request a Quick Quote at PrimeTERMQuickQuotes@PacificLife.com.
Be sure to specify the level premium period (10, 15, 20, or 30 years),
if applicable, and include the applicant’s:
•
Age
•
Tobacco use history
•
Desired death benefit amount
•
Medical condition(s), including date of diagnosis,
medication(s) taken, and current status.
Pacific PRIME Term: Quick Facts
Available in 10-, 15-, 20-, and 30-year level premium periods, Pacific PRIME Term
term life insurance offers:
•
Competitive pricing:
Up to $1 million coverage for as little as $20/month
2 •Streamlined process:
Electronic submission, automated underwriting
•
Attractive conversion incentives:
Conversion credit
3applied to new cash value
life insurance policy
4with no additional underwriting.
For Life Insurance Producer Use Only. Not for Use with the Public.
page 6 13-VER-16 For Life Insurance Producer Use Only. Not for Use with the Public. 15-42619-00 3/14 Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product
availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any fixed subaccount crediting rates, are
backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the
claims-paying ability of the life insurance company.
Pacific Life’s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank-affiliated entities.
Non-guaranteed elements are not guaranteed by definition. As such, Pacific Life reserves the right to change or modify any non-guaranteed element. This right to change non-non-guaranteed elements is not limited to a specific time or reason.
Pacific Life Insurance Company Newport Beach, CA 92660 (800) 800-7681 • www.PacificLife.com
Pacific Life & Annuity Company Newport Beach, CA 92660 (888) 595-6996 • www.PacificLife.com
1 Pacific PRIME Term is subject to underwriting and approval of the application. No medical exam is required if the case qualifies for Simplified Underwriting. Issuance of the policy may depend on the answers to health questions contained in the application. 2 Rate based on Super Preferred Non-Tobacco risk class and the fully underwritten 10-year level premium period.
3 The conversion credit is an amount equal to the policy’s most recent annual term premium if conversion is completed within the conversion period. The calculation of the conversion credit does not include premiums for flat extras or riders. The conversion credit is not available in the first policy year. Conversion is allowed during the first five years for the 10-year plan. The conversion period is the earlier of 10 years or attained age 65 for the 15-, 20-, and 30-year plans. However, in no case will the conversion period be less than five years for all Pacific PRIME Term plans. Conversion will be allowed in the first year.
4 Pacific Life determines the products that are eligible for the conversion.
Investment and Insurance Products: Not a Deposit Not Insured by any Federal Government Agency