SunTerm underwriting at a glance

Printable copy: SunTerm underwriting at a glance

This table summarizes the SunTerm underwriting criteria to help you understand which class clients may qualify for.

Height
(ft/in)		 Maximum weight (lbs)
 
 Class 1 Class 2 and 4
 
 Males & Females Males & Females

4' 8"

130

 135

4' 9"

133

 138

4' 10"

136

 141

4' 11"

139

 144

5' 0"

142

 147

5' 1"

145

 150

5' 2"

150

 155

5' 3"

155

 160

5' 4"

160

 166

5' 5"

165

 171

5' 6"

170

 177

5' 7"

175

 182

5' 8"

180

 188

5' 9"

185

 193

5' 10"

190

 199

5' 11"

195

 204

6' 0"

200

 210

6' 1"

205

 215

6' 2"

210

 220

6' 3"

215

 226

6' 4"

223

 234

6' 5"

230

 241

6' 6"

238

 249

6' 7"

245

 257

6' 8"

253

 265

6' 9"

260

 272

6' 10"

268

 280

6' 11"

275

 287

  Class 1 Class 2 Class 4
Tobacco use No use of any product containing nicotine within the last 60 months for example cigarettes, e-cigarettes (when used with nicotine), cigarillos, cigars, pipes, betelnut, chewing tobacco, nicotine gum or patches, etc.) No use of any product containing nicotine within the last 24 months for example cigarettes, e-cigarettes (when used with nicotine), cigarillos, cigars, pipes, betelnut, chewing tobacco, nicotine gum or patches, etc.) Preferred smoker
Physical build For an applicant’s given height, his or her weight must be less than or equal to the corresponding class weight to qualify for that class For an applicant’s given height, his or her weight must be less than or equal to the corresponding class weight to qualify for that class For an applicant’s given height, his or her weight must be less than or equal to the corresponding class weight to qualify for that class
Blood pressure (BP) Must not exceed Must not exceed Must not exceed
Age BP Age BP Age BP
18-39 130/75 18-39 135/80 18-39 135/80
40-55 135/80 40-55 140/85 40-55 140/85
56-75 140/85 56-75 145/90 56-75 145/90
Applicant has never taken medication for blood pressure With or without medication With or without medication
Total cholesterol (TC) and Cholesterol/HDL ratio Must not exceed Must not exceed Must not exceed
Age BP Age BP Age BP
18-39 4.5 18-39 5.0 18-39 5.0
40-55 5.0 40-55 5.5 40-55 5.5
56-75 5.5 56-75 6.0 56-75 6.0
With or without medication With or without medication With or without medication
Family history No family diagnosis of cancer, coronary artery disease, or stroke/TIA prior to age 65 in siblings or in parents No more than one family member diagnosis of cancer, coronary artery disease, or stroke/TIA prior to age 60 in siblings or in parents No more than one family member diagnosis of cancer, coronary artery disease, or stroke/TIA prior to age 60 in siblings or in parents
Personal history No history of cancer (except basal cell carcinoma), diabetes, coronary artery disease, or stroke/TIA No history of cancer (except basal cell carcinoma), diabetes, coronary artery disease, or stroke/TIA No history of cancer (except basal cell carcinoma), diabetes, coronary artery disease, or stroke/TIA
Driving record No more than one moving violation in the past 3 years No more than 2 moving violations in the past 3 years No more than 2 moving violations in the past 3 years
Driving while impaired (DWI) No convictions in the past 10 years No convictions in the past 5 years No convictions in the past 5 years
Substance abuse No history of or treatment in the past 10 years No history of or treatment in the past 5 years No history of or treatment in the past 5 years
Sports, avocation & aviation Recreational scuba diving (up to and including 120 feet), otherwise no rateable participation in hazardous sports, avocations or aviation* Recreational scuba diving (up to and including 120 feet), otherwise no rateable participation in hazardous sports, avocations or aviation* Recreational scuba diving (up to and including 120 feet), otherwise no rateable participation in hazardous sports, avocations*
Occupation No rateable occupation* No rateable occupation* No rateable occupation*
Travel and residency

No rateable foreign travel and no rateable foreign residence*

Non-landed immigrants or temporary residents may not qualify for preferred

No rateable foreign travel and no rateable foreign residence*

Non-landed immigrants or temporary residents may not qualify for preferred

No rateable foreign travel and no rateable foreign residence*

Non-landed immigrants or temporary residents may not qualify for preferred

* No rateable participation, occupation, foreign travel or foreign residence means anything that would not be accepted at standard rates.

Any non-smoker who doesn’t qualify in class 1 or 2 (includes occasional large cigar smokers, up to 12 per year, with a negative cotinine test).

Any smoker who doesn’t qualify for class 4.