HERMANN SONS LIFE MEDICAL UNDERWRITING REQUIREMENTS Age/Amount
0-17
18-30
31-50
51-64
65+
$0 - $10,000
A
A
A
B
B
$10,001 - $25,000
A
A
A
B
B
$25,001 - $50,000
A
A
A
B
B
$50,001 - $99,999
A
A
A
C
C
$100,000 - $250,000
B
B (**C)
B (**C)
C
C (*)
$250,001 - $500,000
B
C
C
C (*)
D (*)
$500,001 - $999,999
B
C
C
D (*)
E (*)
$1,000,000 & ABOVE
E (*)
E (*)
E (*)
E (*)
E (*)
KEY: A: Prescription Check B: Prescription Check & Attending Physician Statement C: Prescription Check, APS, Paramedical Exam, Urine & Blood D: Prescription Check, APS, Paramedical Exam, Urine, Blood & Telephone Interview E: Prescription Check, APS, Paramedical Exam, Urine, Blood, Telephone Interview, EKG & MVR (*): NT-proBNP included in Blood (**C): Required if PREFERRED RATES are requested -- Prescription Check, APS, Paramedical Exam, Urine & Blood
IMPORTANT NOTES: UNDERWRITER MAY REQUEST ANY REQUIREMENTS DEEMED NECESSARY REGARDLESS OF AGE OR FACE AMOUNT. REQUIREMENTS ARE BASED ON THE TOTAL AMOUNT OF INSURANCE IN FORCE PLUS AMOUNTS APPLIED FOR. NEWBORN PLANS CANNOT BE WRITTEN UNTIL AFTER THE CHILD HAS BEEN RELEASED FROM THE HOSPITAL. Effective: 09/15/2020
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CLIENT RESOURCE SECTION
Revised 05/01/2023
