Personal Health History

Personal Health History

CARRIER	RISK CLASS	DEFINITION
American General	Preferred Plus	No cancer or ratable impairment
	Preferred	Same
	Standard Plus	Same
American National	All	No personal history of any serious health conditions, including but not limited to: heart or vascular disease, diabetes, cancer, melanoma, disorder of lungs, liver, kidney or seizure disorder, rheumatoid arthritis, stroke, ulcerative colitis or Crohn's disease
AVIVA	Premier	No CAD, diabetes, cancer, cerebrovascular disease.
AVIVA	Preferred	No CAD, diabetes, cancer, cerebrovascular disease, except for certain types of skin cancer
AXA	Preferred Elite	No personal history of cancer (except certain skin cancers), diabetes or heart disease, even if not ratable
	Preferred	Same
	Standard Plus	Same
Genworth	Preferred Best	No history of diseases, disorders or activities that would affect mortality
	Preferred	Same
	Select	Same
	Standard	Same
ING	Super Preferred	No history in the past 30 yrs of cancer other than basal cell skin cancer
	Preferred	Same
	Select	Same
John Hancock	Super Preferred	No history of cancer, coronary artery disease, cerebrovascular disease or diabetes; no ratable impairment
	Preferred	No history of cancer, coronary artery disease, cerebrovascular disease or diabetes; no ratable impairment. Some cases may qualify.
	Standard Plus	No current ratable impairment
Lincoln Benefit	All Classes	No published guidelines
Lincoln National	Preferred Plus	No history of cardiovascular disease, diabetes, cancer (ex benign skin cancer)
Lincoln National	Preferred	No history of cardiovascular disease, diabetes, cancer (ex benign skin cancer)
MetLife	Elite Plus	No history or treatment for diabetes, cardiovascular disease, cancer (ex some non-melanoma skin cancers) no flat extras
	Preferred Plus	Same as elite plus
	Standard Plus	No history or treatment for diabetes, cardiovascular disease, cancer (ex some non-melanoma skin cancers) flat extras acceptable
	Standard	Not ratable or ratable with flat extras
Nationwide	Preferred Plus	No history of coronary artery disease, diabetes, stroke or cancer (except basal cell-skin)
Nationwide	Preferred	Same
North American	Super Preferred	No history of cancer (ex non-melanoma skin), diabetes, cardiovascular disease, coronary artery disease, or other significant health problems
	Preferred	Same
	Standard Plus	Same
Protective Life	Select Preferred	Standard risk medically and no ratable occupational hazard. No other adverse underwriting to include cancer, heart disease, stroke, diabetes or alcohol/substance abuse
Protective Life	Preferred	Same
Prudential	Preferred Best	No history of coronary artery disease, diabetes, hepatitis C, cancer (ex skin cancer excluding melanoma)
	Preferred	Same
	Nonsmoker Plus	Personal history requiring a rating not permitted
Sun	Super Preferred	No history of cardiac, cancer, diabetes
Transamerica	Preferred Plus	No heart or vascular disease, diabetes or cancer ex some forms of skin cancers
	Preferred	Same
	Standard Plus	Same
Union Central	Preferred Plus	No history of cancer, diabetes, heart disease or abnormal EKG
	Preferred	Same
	Select	Same
United of Omaha	Preferred	No history of CAD, diabetes, cancer (basal cell skin cancer and superficial squamous cell allowed)
West Coast Life	Select Preferred	Standard risk medically and no ratable occupational hazard. No other adverse underwriting to include cancer, heart disease, stroke, diabetes or alcohol/substance abuse
West Coast Life	Preferred	Same

This advertisement is for insurance agents and financial professionals only; not for use with the public and does not apply to variable products. Variable products are processed thru our BD affiliate. National Insurance Brokerage, LLC is a Florida licensed life insurance agency that does business under the name NB Life Insurance Services, LLC in California, NB Life Insurance Services in Georgia, NIB Insurance Brokerage in New York, and NIB Insurance Brokerage, LLC in Texas.

Neither National Insurance Brokerage nor any of its affiliates offer tax or legal advice. Any case discussions are general in nature and are not intended to be construed as advice. Please consult financial professionals familiar with your personal situation prior to making any changes in your own investment strategy or insurance purchases.