2940 South 84th Street
Lincoln, NE 68506
1-800-525-2799
Ratings:
A.M. Best Financial Strength A+
Standard & Poor’s Financial Strength AA-
Moody’s Financial Strength A1
Fitch Financial Strength A
Products:
Lincoln Benefit Life – TrueTerm Product Features
Type:
Term insurance to age 95
Premium rates guaranteed for 10, 15, 20, or 30 years
Conversion Options:
Each plan is convertible to the earlier of 10 years or the anniversary following age 60. A conversion credit is offered for conversions during the first 10 years, except for conversions in the first policy year. The conversion credit is equal to the total first-year premium associated with the base term coverage only. Partial conversions will be allowed, with a pro rata conversion credit based on the reduction in base coverage premium.
Issue Ages:
10-year: 18-80
15-year: 18-75 (18-70 for Male Smoker and Preferred Smoker; 18-73 for Male Standard No Tobacco <$200,000; 18-73 for Female Smoker and Preferred Smoker <$200,000)
20-year: 18-65 (18-63 for Male Smoker <$500,000)
30-year: 18-50 (18-47 for Male Smoker and Preferred Smoker <$500,000)
Washington issue ages:
10-Year = Ages 24-70
15-Year = Ages 22-65
20-Year = Ages 20-60
30-Year = Ages 18-50 (18-44 for Male PS and SM, 18-49 for Female PS and SM)
New York issue ages:
10-Year : 18-65
15-Year : 18-65
20-Year : 18- 60
30-Year : 18-50
Face Amounts:
Minimum Face Amount: $50,000
$100,000 (WA Only)
Rate Bands
Band I: $50,000 – $99,999
Band II: $100,000 – $199,999
Band III: $200,000 – $499,999
Band IV: $500,000 – $999,999
Band V: $1,000,000 – $4,999,999
Band VI: $5,000,000 and above
Tobacco Definition:
Preferred Elite: No use within 5 years
Preferred: No use within 3 years
Standard Select: No use within 2 years
Standard No Tobacco: No use within 1 year
Preferred Smoker: Maximum of 1 pack per day.
Standard Smoker: Any tobacco use not qualifying for Preferred Smoker
Special Underwriting:
Features Preferred Elite > $5,000,000 (base only)
Blood Pressure – Without RX: 135/85 for ages 0-60; 145/90 for ages 61+
Blood Pressure – With RX:130/75 for ages 18-60; 140/85 for ages 61+; control documented by minimum 3 readings in past 2 years; compliant with treatment, no problems with medications and no more than 2 medications needed for control; and no history of high cholesterol.
Cholesterol – Without RX: 220
Cholesterol – With RX: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension.
CHOL/HDL 4.5 *Requirements for PE with hyperlipidemia under treatment: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension. Serum Albumin Ages 70+ must be > 4
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No occurrence of specified disease in parent or sibling before age 60
Alcohol/Drugs Never treated
Driving Maximum 1 moving violation in 3 years; no DUI, reckless driving in 10 years nor > 1 ever.
Aviation Regularly scheduled US-based airline only
AvocationsNone in 2 years except recreational scuba diving to maximum 50 feet.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years
Occupation No hazardous occupation
Military No active military duty.
Preferred Elite < $5,000,000
Blood Pressure – Without RX: 145/85 for ages 0-60; 150/90 for ages 61+
Blood Pressure – With RX:130/75 for ages 18-60; 140/85 for ages 61+; control documented by minimum 3 readings in past 2 years; compliant with treatment, no problems with medications and no more than 2 medications needed for control; and no history of high cholesterol.
Cholesterol – Without RX: 220
Cholesterol – With RX: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension.
CHOL/HDL 5.0 *Requirements for PE with hyperlipidemia under treatment: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension. Serum Albumin Ages 70+ must be > 4
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No occurrence of specified disease in parent or sibling before age 60
Alcohol/Drugs Never treated
Driving Maximum 2 moving violations in 3 years; no DUI, reckless driving in 10 years
Aviation Regularly scheduled US-based airline only
AvocationsNone in 2 years except recreational scuba diving to maximum 50 feet.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years
Occupation No hazardous occupation
Military No active military duty.
Preferred
Blood Pressure: 140/90 for ages 0-60 (treatment allowed); 150/90 for ages 61-69 (treatment allowed); 155/90 for ages 70+ (treatment allowed)
Cholesterol: 250 for ages < 70 (treatment allowed); 325 for ages 70+ (treatment allowed)
CHOL/HDL 6.0 for ages <70 (treatment allowed); 6.5 for ages 70+ (treatment allowed) Serum Albumin Ages 70+ must be > 4
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No death of parent or sibling from specified disease before age 60
Alcohol/Drugs Never treated
Driving Maximum 2 moving violations in 3 years; no DUI, reckless driving in 5 years
Aviation None except regularly scheduled US airline & best private pilots (Best private pilots are those with over 300 hours of experience flying 50-150 hours/year with instrument flight rating.)
Avocations Not excluded but flat extra may apply.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years
Occupation No exclusion but flat extra may apply
Military No active military duty below rank of commissioned officer.
Standard Select
Blood Pressure: 145/90 for ages 0-60 (treatment allowed); 155/95 for ages 61+ (treatment allowed)
Cholesterol: 285(treatment allowed)
CHOL/HDL 7.0 (treatment allowed)
Serum Albumin N/A
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No more than 1 death of parent from specified disease before age 60
Alcohol/Drugs Not treated within 5 years
Driving Maximum 3 moving violations in 3 years; no DUI, reckless driving in 5 years
Aviation Not excluded but flat extra may apply.
Avocations Not excluded but flat extra may apply.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 6 months
Occupation No exclusion but flat extra may apply.
Military No exclusion but flat extra may apply.
Standard No Tobacco
Blood Pressure: 155/95 for ages 0-60 (treatment allowed); 160/95 for ages 61+ (treatment allowed)
Cholesterol: 300(treatment allowed)
CHOL/HDL 9.0 (treatment allowed)
Serum Albumin N/A
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No more than 1 death of parent from specified disease before age 60
Alcohol/Drugs Not treated within 5 years
Driving Maximum 3 moving violations in 3 years; no DUI, reckless driving in 2 years
Aviation Not excluded but flat extra may apply.
Avocations Not excluded but flat extra may apply.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 6 months
Occupation No exclusion but flat extra may apply.
Military No exclusion but flat extra may apply.
Preferred Smoker
Blood Pressure: 140/90 for ages 0-60 (treatment allowed); 150/90 for ages 61-69 (treatment allowed); 155/90 for ages 70+ (treatment allowed)
Cholesterol: 250 for ages < 70 (treatment allowed); 325 for ages 70+ (treatment allowed)
CHOL/HDL 6.0 for ages <70 (treatment allowed); 6.5 for ages 70+ (treatment allowed) Serum Albumin Ages 70+ must be > 4
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No death of parent or sibling from specified disease before age 60
Alcohol/Drugs Never treated
Driving Maximum 2 moving violations in 3 years; no DUI, reckless driving in 5 years
Aviation None except regularly scheduled US airline & best private pilots (Best private pilots are those with over 300 hours of experience flying 50-150 hours/year with instrument flight rating.)
Avocations Not excluded but flat extra may apply.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years
Occupation No exclusion but flat extra may apply
Military No active military duty below rank of commissioned officer.
Standard Smoker
Blood Pressure: 155/95 for ages 0-60 (treatment allowed); 160/95 for ages 61+ (treatment allowed)
Cholesterol: 300(treatment allowed)
CHOL/HDL 9.0 (treatment allowed)
Serum Albumin N/A
Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No more than 1 death of parent from specified disease before age 60
Alcohol/Drugs Not treated within 5 years
Driving Maximum 3 moving violations in 3 years; no DUI, reckless driving in 2 years
Aviation Not excluded but flat extra may apply.
Avocations Not excluded but flat extra may apply.
Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 6 months
Occupation No exclusion but flat extra may apply.
Military No exclusion but flat extra may apply.
adam 
Posted in 
