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LIFE INSURANCE  Field Underwriting Guide MARCH 24, 2017  Replaces the version dated January 30, 2017  Age and Amount Requi...
Now adapted for use by   Brokerage ISG AIG Direct Partners Group Partners Group Career Select Financial Network  What   s ...
CONTENTS    PAGE  What   s New in this Field Underwriting Guide. . . . . . . . . . . . . . . . . . 2 Age and Amount Requir...
Age1 and Amount Requirements2  Age1 and Amount Requirements2  EFFECTIVE MARCH 24, 2017  EFFECTIVE MARCH 24, 2017  LOW BAND...
Age1 and Amount Underwriting Requirements2  Age1 and Amount Underwriting Requirements2  EFFECTIVE MARCH 24, 2017  EFFECTIV...
Age1 and Amount Underwriting Requirements2 UL, SUL, VUL, IUL, Whole Life Products  Age1 and Amount Underwriting Requiremen...
SELECT HEIGHT WEIGHT CHART EFFECTIVE DEC. 14, 2015  SELECT HEIGHT WEIGHT CHART EFFECTIVE DEC. 14, 2015  UL, WL, VUL and Te...
Preferred Underwriting Class Guidelines  Preferred Underwriting Class Guidelines  Effective December 14, 2015  Effective D...
Preferred Underwriting Class Guidelines TERM PRODUCTS  Preferred Underwriting Class Guidelines TERM PRODUCTS  Effective De...
Lab Scoring      Age over 80  no offer  for individual coverage  if applicant  AGL and US Life uses a lab scoring methodol...
    Suicide attempts  more than one  if the last one was within the last 2 years      Surgery  major  advised but not yet ...
Expiration of Underwriting Requirements Paperwork and exams are only valid for a limited period of time. Below are guideli...
Criminal Activity  Applicants who are in jail, awaiting trial, or who are out on probation or parole are postponed until o...
Additional military guidelines     Reservists and National Guardsmen  If they are employed in  a civilian capacity  e.g. w...
Additional Personal Insurance Notes Note     all amounts referenced are total line  in force and applied . Additional amou...
Bankruptcy  Credit report required on all cases   Tax Return Transcript may be required as well at the discretion of the u...
LIFE INSURANCE  Field Underwriting Guide MARCH 24, 2017  Replaces the version dated January 30, 2017  Age and Amount Requi...
Now adapted for use by   Brokerage ISG AIG Direct Partners Group Partners Group Career Select Financial Network  What   s ...
Now adapted for use by   Brokerage ISG AIG Direct Partners Group Partners Group Career Select Financial Network  What   s ...
CONTENTS    PAGE  What   s New in this Field Underwriting Guide. . . . . . . . . . . . . . . . . . 2 Age and Amount Requir...
CONTENTS    PAGE  What   s New in this Field Underwriting Guide. . . . . . . . . . . . . . . . . . 2 Age and Amount Requir...
Age1 and Amount Requirements2  Age1 and Amount Requirements2  EFFECTIVE MARCH 24, 2017  EFFECTIVE MARCH 24, 2017  LOW BAND...
Age1 and Amount Requirements2  Age1 and Amount Requirements2  EFFECTIVE MARCH 24, 2017  EFFECTIVE MARCH 24, 2017  LOW BAND...
Age1 and Amount Underwriting Requirements2  Age1 and Amount Underwriting Requirements2  EFFECTIVE MARCH 24, 2017  EFFECTIV...
Age1 and Amount Underwriting Requirements2  Age1 and Amount Underwriting Requirements2  EFFECTIVE MARCH 24, 2017  EFFECTIV...
Age1 and Amount Underwriting Requirements2 UL, SUL, VUL, IUL, Whole Life Products  Age1 and Amount Underwriting Requiremen...
Age1 and Amount Underwriting Requirements2 UL, SUL, VUL, IUL, Whole Life Products  Age1 and Amount Underwriting Requiremen...
SELECT HEIGHT WEIGHT CHART EFFECTIVE DEC. 14, 2015  SELECT HEIGHT WEIGHT CHART EFFECTIVE DEC. 14, 2015  UL, WL, VUL and Te...
SELECT HEIGHT WEIGHT CHART EFFECTIVE DEC. 14, 2015  SELECT HEIGHT WEIGHT CHART EFFECTIVE DEC. 14, 2015  UL, WL, VUL and Te...
Preferred Underwriting Class Guidelines  Preferred Underwriting Class Guidelines  Effective December 14, 2015  Effective D...
Preferred Underwriting Class Guidelines  Preferred Underwriting Class Guidelines  Effective December 14, 2015  Effective D...
Preferred Underwriting Class Guidelines TERM PRODUCTS  Preferred Underwriting Class Guidelines TERM PRODUCTS  Effective De...
Preferred Underwriting Class Guidelines TERM PRODUCTS  Preferred Underwriting Class Guidelines TERM PRODUCTS  Effective De...
Lab Scoring      Age over 80  no offer  for individual coverage  if applicant  AGL and US Life uses a lab scoring methodol...
Lab Scoring      Age over 80  no offer  for individual coverage  if applicant  AGL and US Life uses a lab scoring methodol...
    Suicide attempts  more than one  if the last one was within the last 2 years      Surgery  major  advised but not yet ...
    Suicide attempts  more than one  if the last one was within the last 2 years      Surgery  major  advised but not yet ...
Expiration of Underwriting Requirements Paperwork and exams are only valid for a limited period of time. Below are guideli...
Expiration of Underwriting Requirements Paperwork and exams are only valid for a limited period of time. Below are guideli...
Criminal Activity  Applicants who are in jail, awaiting trial, or who are out on probation or parole are postponed until o...
Criminal Activity  Applicants who are in jail, awaiting trial, or who are out on probation or parole are postponed until o...
Additional military guidelines     Reservists and National Guardsmen  If they are employed in  a civilian capacity  e.g. w...
Additional military guidelines     Reservists and National Guardsmen  If they are employed in  a civilian capacity  e.g. w...
Additional Personal Insurance Notes Note     all amounts referenced are total line  in force and applied . Additional amou...
Additional Personal Insurance Notes Note     all amounts referenced are total line  in force and applied . Additional amou...
Bankruptcy  Credit report required on all cases   Tax Return Transcript may be required as well at the discretion of the u...
Bankruptcy  Credit report required on all cases   Tax Return Transcript may be required as well at the discretion of the u...
Marijuana Use  UNDERWRITING MEDICAL IMPAIRMENTS      No more than twice per year  Best Class if otherwise qualified      U...
Marijuana Use  UNDERWRITING MEDICAL IMPAIRMENTS      No more than twice per year  Best Class if otherwise qualified      U...
X  X  Current  ADHD ADD  X  X  Recovered, stable at least one year  AIDS  Anorexia Nervosa  X  Alcohol Treatment History X...
X  X  Current  ADHD ADD  X  X  Recovered, stable at least one year  AIDS  Anorexia Nervosa  X  Alcohol Treatment History X...
X  Bigeminy  X  X  X  Biliary Colic  Recovered   X  X  Biliary Cirrhosis  Age 30 or younger  X  Blindness  Due to injury, ...
X  Bigeminy  X  X  X  Biliary Colic  Recovered   X  X  Biliary Cirrhosis  Age 30 or younger  X  Blindness  Due to injury, ...
Most benign tumors  X  Basal Cell Carcinoma  X  Melanoma Insitu, Seminoma  X  Single episode, no complications  X X  X  Ch...
Most benign tumors  X  Basal Cell Carcinoma  X  Melanoma Insitu, Seminoma  X  Single episode, no complications  X X  X  Ch...
X X  Without pacemaker  Congestive Heart Failure  Chronic  X  Coronary Bypass Surgery  X  X  X  X  X  Cor Pulmonale  Chron...
X X  Without pacemaker  Congestive Heart Failure  Chronic  X  Coronary Bypass Surgery  X  X  X  X  X  Cor Pulmonale  Chron...
X X  Gastroplasty    X  X  X  X  X  Best  X  Moderate  X  X X X  Hepatitis  Chronic, B or C  X  X  X  Hereditary Nephritis...
X X  Gastroplasty    X  X  X  X  X  Best  X  Moderate  X  X X X  Hepatitis  Chronic, B or C  X  X  X  Hereditary Nephritis...
X  Kyphosis X X  Poorly-contolled  X  X  Hyperthyroidism X X  Otherwise  X X X  Hypogammaglobulinemia  Congenital  Hypogly...
X  Kyphosis X X  Poorly-contolled  X  X  Hyperthyroidism X X  Otherwise  X X X  Hypogammaglobulinemia  Congenital  Hypogly...
X  Moderate  X  Acute, recovered  X X  Mononucleosis  Recovered   X  X  X  X  Orthostatic Hypotension  Cause unknown, adeq...
X  Moderate  X  Acute, recovered  X X  Mononucleosis  Recovered   X  X  X  X  Orthostatic Hypotension  Cause unknown, adeq...
X  X  Others  Poliomyelitis  X  No residuals  Paraplegia  X X  Mild to moderate residuals  Under age 60, rarely better tha...
X  X  Others  Poliomyelitis  X  No residuals  Paraplegia  X X  Mild to moderate residuals  Under age 60, rarely better tha...
X X  X X  X  X  Pulmonary Hypertension  X  Pulmonary Infarction  With full recovery   X  Pyelonephritis  One year after tr...
X X  X X  X  X  Pulmonary Hypertension  X  Pulmonary Infarction  With full recovery   X  Pyelonephritis  One year after tr...
X  Others  Stress Test Positive  X  X  X  Stroke  Best cases   X  X  X  X  X  X  X  Multiple attempts  Systemic Lupus Eryt...
X  Others  Stress Test Positive  X  X  X  Stroke  Best cases   X  X  X  X  X  X  X  Multiple attempts  Systemic Lupus Eryt...
Policies issued by American General Life Insurance Company  AGL  except in New York, where issued United States Life Insur...