SunTerm underwriting at a glance

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

Physical build

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, 2 and 4
  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

Age
BP
18-39
130/75
40-55
135/80
56-75
140/85

Applicant has never taken medication for blood pressure

Must not exceed

Age
BP
18-39
135/80
40-55
140/85
56-75
145/90

With or without medication

Must not exceed

Age
BP
18-39
135/80
40-55
140/85
56-75
145/90

With or without medication

Total cholesterol (TC) and Cholesterol/HDL ratio

Must not exceed

Age
TC/HDL ratio
18-39
4.5
40-55
5.0
56-75
5.5

With or without medication

Must not exceed

Age
TC/HDL ratio
18-39
5.0
40-55
5.5
56-75
6.0

With or without medication

Must not exceed

Age
TC/HDL ratio
18-39
5.0
40-55
5.5
56-75
6.0

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.

Class 3

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).

Class 5

Any smoker who doesn’t qualify for class 4.