7700 Mills Civic Parkway
West Des Moines, IA 50266-3862
1 800 800 9882
Ratings:
A.M. Best Financial Strength A
Standard & Poor’s Financial Strength AA-
Moody’s Financial Strength A1
Fitch Financial Strength A+
Products:
Aviva Life and Annuity Company – 10 Year Term, 20 Year Term, 30 Year Term, ART
Type:
10 year, 20 year, 30 year, and ART term with guaranteed level premium rates for 10, 20 and 30 yrs respectively. Afterward, premium increases annually through age 95 with guaranteed maximums. ART product guaranteed rates for 10 years.
Death Benefit: Level amount payable through age 95, provided the policy is in force when the insured dies.
Premiums: Payable to age 95. Guaranteed level rates for 10, 20, and 30 years respectively. Afterward, premium increases annually through age 95 with guaranteed maximums. Actual rates could be lower. ART product guaranteed rates for 10 years.
Conversion Options:
Can be converted while the term policy is inforce to any permanent plan of insurance offered by the company without evidence of insurability, in the level term period (10 yrs for ART) or to age 75 if earlier
Issue Ages:
Ages Issued, Nearest Birthday
Term 10: 18-75 (18-70 Tobacco Classes)
Term 20: 18-65 (18-60 Tobacco Classes)
Term 30: 18-55 (18-50 Tobacco Classes)
ART: 18-75 (18-70 Tobacco Classes)
Available issue ages may vary by state.
Face Amounts:
Min/Max 10 Year: $100,000-$1,000,000+
20, 30 Year:
$50,000 minimum for Non-Tobacco and Tobacco
$100,000 all other classes
ART: $500,000
Underwriting:
Tobacco Definition
Premier Non-Tobacco: None in past 60 Months
Preferred Non-Tobacco: None in past 36 months
Std Plus Non-Tobacco: None in past 12 months
Preferred Tobacco: Available
Special Underwriting
Features
Non-Tobacco excludes all tobacco or nicotine use. Premier Non-Tobacco:
Cholesterol: 220;No Treatment. Cholesterol Ratio: 5
Blood Pressure: Age 18-60: 135/85; Age 61 up: 145/90; No Treatment
Build: See Build Chart
Family History (Parents & Siblings): No death of parent or sibling before age 65 from Coronary Artery Disease or familial cancer
Personal History: No coronary artery disease, diabetes, cancer, cerebrovascular disease. Must be classified as a standard mortality risk without application of coronary risk profile.
Alcohol/Substance Abuse: No history
Aviation: Available if qualifies as a standard aviation risk or with an exclusion or flat extra rating
Avocation: Available if qualifies as a standard avocation risk or flat extra rating.
Driving:No DUIs or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years.
US Residency: US resident for past 2 yrs
Citizenship: US citizen or have a permanent visa or green card
Travel (unsafe): Individual consideration
Military: No
Preferred Non-Tobacco:
Cholesterol: 240; Cholesterol/ HDL is 5.5; Treatment allowed;
Blood Pressure: Age 18-60: 140/90; Age 61 up: 150/90; Treatment allowed.
Build: See Build Chart
Family History (Parents & Siblings): No death of parent or sibling before age 65 from Coronary Artery Disease or familial Cancer
Personal History: No history of coronary disease, diabetes or cancer, cerebrovascular disease. Must be classified as a standard mortality risk without application of coronary risk profile
Alcohol/Substance Abuse: No history
Aviation: Available if qualifies as a standard aviation risk or with an exclusion or flat extra rating rating
Avocation: Available if qualifies as a standard avocation risk or flat extra rating
Driving: No DUIs or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years.
US Residency: US resident for past 2 yrs
Citizenship: US citizen or have a permanent visa or green card
Travel (unsafe): Individual consideration
Military: Individual consideration
Standard Plus Non-Tobacco:
Cholesterol: 270 (300 if HDL is 5 or less) Treatment allowed; HDL Ratio: 6.5
Blood Pressure: Age 18-45: 140/90; Age 46-60: 145/90; Age 61 up: 150/90; Treatment allowed
Build: See Build Chart
Family History (Parents & Siblings): Up to one death of parent or sibling before 60 from Coronary Artery Disease or familial Cancer.
Personal History: No coronary artery disease, diabetes, or cancer, except certain types of skin cancer.
Alcohol/Substance Abuse: No history
Aviation: Available if qualifies as a standard aviation risk or with an exclusion or flat extra rating
Avocation: Available if qualifies as a standard avocation risk or flat extra rating.
Driving:No DUIs or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years.
US Residency: US resident for past 2 yrs
Citizenship: US citizen or have a permanent visa or green card
Travel (unsafe): Individual consideration
Military: Individual Consideration
Preferred Tobacco:
Cholesterol: 250; With treatment; HDL Ratio: 6.5
Blood Pressure: Age 18-55: 140/90; Age 56 up: 150/90; With treatment
Build: See Build Chart
Family History (Parents & Siblings): No death of parent or sibling before age 60 from Coronary Artery Disease or familial Cancer.
Personal History: No history of Coronary Artery Disease, Diabetes or Cancer, except certain types of skin cancer.
Alcohol/Substance Abuse: No history
Aviation: Available if qualifies as a standard aviation risk or with an exclusion or flat extra rating
Avocation: Available if qualifies as a standard avocation risk or flat extra rating
Driving: No DUIs or reckless driving in the past 5 years. No more than 2 moving violations in the past 3 years.
US Residency: US resident for past 2 yrs
Citizenship: US citizen or have a permanent visa or green card
Travel (unsafe): Individual consideration
Military: Individual consideration
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