MetLife Aug-07 Uživatelský manuál

The CondensedUnderwriting GuideAugust 2007FOR FINANCIAL PROFESSIONAL USE ONLY—NOT FOR PUBLIC DISTRIBUTION.Life New Business0706-5057 (0807)© 2007 METL

1514Retention, Reinsurance Limits (Limits are graded by age and rating class.Other restrictions may apply.)Retention: Permanent LifeSingle Life: $20,0

16 17Immigrants and Non-Immigrants Residingin the U.S. We Will Consider• Permanent Residents as evidenced by “green card,”“white card,” I-155 or I-551

18 19reinsurers, it is important that you provide detailedinformation of your clients’ past foreign travel andfuture plans for foreign travel—unless t

20 21circumstances under which the application wastaken and an explanation of how the amount ofinsurance was determined.Application Requirements (CONT

22 23Underwriting Programs (Contact your NBUnderwriting Unit for additional information)Cross-Franchise Term Conversions—MetLife, NewEngland Life Insu

24Managing Your CasesTo avoid pending your case and improve NOGO (not ofgood order):1. Use correct application and version.2. Complete Part 2, Medical

“For Internal Use Only.” All underwriting guidelines aresubject to change. Individual case circumstances maycause changes or additional requirements t

MetLife Underwriting ManualMetLife uses the Swiss Re Life Underwriting Manual as its primary risk selection tool—allowing us to makeunderwriting decis

Routine APS RequirementsIf your client has had a checkup/physical exam within 12–24 months, an APS should be orderedbased on the following.Ages Checku

Types of Exams(All examinations include a urine specimen.)• Simple Paramedical (SPM)—A limited exam to collect physical measurements and blood/urine s

6 7Table Acronyms: DWI = Driving While IntoxicatedFEP = Flat Extra PremiumTable Notes: Other medical or non-medical risks not listed above may preclud

98CRITERIA GUIDELINES (CONTINUED)Criteria Standard Plus PreferredPreferred NS SmokerPersonal No history of: Diabetes,Health History Cardiovascular Dis

1110HEIGHT AND WEIGHT LIMIT TABLEThe weights shown represent the maximum allowableweight for Preferred classes: M=Males, F=Females, age 18and over. (P

1312Financial Underwriting RequirementsThe Personal Financial Statement should be completed for risk amounts of $1,000,000 and over.The Business Suppl