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团队建设 · 约 35 分钟 · 工具页Team Building · 35 min · Reference

核保：从零到能独立交大单

Underwriting: From Zero to Closing a Large Case

把核保做好，它就是你的提速器和加薪器。 一份完整的既往史最多能让案件提前五个工作日批下来； 把客户送进 Elite 等级等于给他打折；漏问一题可能让保单被撤销、佣金被追回。 这一页是整套流程的工具书，要用的时候来查，不是读一遍就完事。

Done well, underwriting is your accelerator and your raise. A complete history can get a case approved up to five business days sooner; getting a client into Elite is a discount in their pocket; one unasked question can rescind the policy and claw back the commission. This page is the reference for the whole process: something to look things up in, not something to read once.

本文目录Contents
  1. 申请前：七件套与 60 岁规则Before the application
  2. 填申请的三条铁律与七道漏题Three rules, seven missed questions
  3. 提交路径与联系方式Submission and contacts
  4. 体检：代码、准备、红线Paramed: codes, prep, red lines
  5. APS 与六大数据库APS and the six databases
  6. 法律三件事与时效表The legal core, and the clocks
  7. Nexus、可保利益与 OwnerNexus, insurable interest, ownership
  8. 财务核保：倍数与阈值Financial underwriting
  9. 三大核保模式Three underwriting paths
  10. 九个费率等级、烟、BMIRate classes, tobacco, BMI
  11. 不可保红线Uninsurable
  12. XRAE 与 InformalXRAE and informal inquiries
  13. 附：核保指南全文（可折叠）Appendix: the full guide (collapsible)
  14. 附：核保培训简报全文（可折叠）Appendix: the training deck (collapsible)
这一页的时效Shelf life

核保指南是滚动更新的， 面额阈值、费率等级条件、BMI 阶梯、不可保清单每一样都会改。 真要交一张案子之前，去 Agent Portal 上拉当期那一版，不要只信这一页。 本页按 2026 年 1 月版《Life Insurance Underwriting Guide》（TC8713998(0126)）核对。

Underwriting guides are revised continuously: face thresholds, rate class criteria, BMI bands, and the uninsurable list all move. Before you actually submit a case, pull the current edition from the Agent Portal rather than relying on this page. This page was checked against the January 2026 Life Insurance Underwriting Guide (TC8713998(0126)).

为什么这件事值得你花两个小时Why this is worth two hours

提速五天

Five days faster

把每个病的诊断日期、接受的治疗、当前控制情况写完整， 案件最多可以提前五个工作日批下来。

Writing each condition's diagnosis date, treatment received, and current control in full can get the case approved up to five business days sooner.

Best class 就是折扣

Best class is a discount

客户被分到 Elite 或 Preferred，等于同样的保障打了折，签单自然容易。

A client placed in Elite or Preferred gets the same coverage cheaper, which makes the case close itself.

佣金安全

Your commission

避免 material misrepresentation 触发 chargeback， 这是「单签成了、钱还会被要回去」的情况。

Avoiding a material misrepresentation avoids the chargeback, a scenario where a closed case still takes the money back.

大单能落地

Large cases actually land

Cover letter 加齐备的财务文件，是 $2M 起的大额案件能过的关键。

A cover letter plus complete financials is what gets a case from $2M up through.

一、申请前：客户必备七件套1. Before the application: seven things to collect

一次问全，不要分三次回头补。每回头一次，案件就慢一轮。

Collect all of it in one pass. Every time you go back for one more item, the case waits another cycle.

①SSN：准确的九位SSN: all nine digits, correct
②地址：准确完整的地址Addresses: complete and accurate
③用药信息：每种现用处方药的名字和用途Medications: the name and purpose of each current prescription
④驾照信息Driver's licence information
⑤护照信息Passport information
⑥医生：姓名、联络方式、最近一次就诊日期Physician: name, contact details, and date of the last visit
⑦病史细节：诊断日期、治疗、控制情况History detail: diagnosis date, treatment, current control
60 岁规则：这条会直接把单子挡在门外The age-60 rule, which stops a case at the door

60 岁及以上的申请人，必须在过去 24 个月内既有常规就医、也做过体检 （routine health care 和 physical exam），否则国家人寿直接拒收申请。

An applicant aged 60 or over must have had routine health care and a physical exam within the past 24 months, or National Life will not accept the application at all.

这条要在第一次见面就问，不要等填申请。 很多长辈客户「身体一直很好、所以很多年没去看医生」， 那恰恰是被拒收的那一类。先让他去看一次医生、做一次体检，再谈保单。

Ask this at the first meeting, not at application. Plenty of older clients haven't seen a doctor in years precisely because they've been well, and that's exactly the profile that gets rejected. Send them for routine care and a physical first, then talk about the policy.

二、填申请：三条铁律与七道漏题2. Three rules, and the seven questions people miss

面对面或视频

Face to face, or on video

Agent 要和被保人一起完成申请， 当面或视频都可以。

The agent should complete the application with the proposed insured, face to face or virtually.

必须会讲客户的语言

You must speak their language

不能借助翻译来完成申请，指南要求 agent 能流利使用客户的母语。 体检时，体检员要会客户的语言，否则由体检公司提供翻译；不能用家属或任何从保单受益的人当翻译。

You may not use an interpreter to complete the application; the guide expects the agent to be fluent in the client's native language. At the paramed, the examiner must speak the client's language or the paramed company must provide an interpreter; a family member or anyone benefiting from the policy may never interpret.

每一题都要问

Ask every question

申请是有法律约束力的合同，每一题都有用。 不要因为「我看他像 Standard」就跳过血压细节。细节决定 rate class。

The application is a legally binding contract and every question is there for a reason. Don't skip the blood pressure detail because the client "looks standard". The detail is what sets the rate class.

新人最常漏的七道题The seven most commonly missed

1是否在别处申请过寿险或伤残险Any application for life or disability cover elsewhere
2现有寿险是否会被替换：有没有 inforce coverage 会被 replaceWhether existing cover will be replaced: any inforce coverage being displaced
3Misdemeanor 记录：包括 DUI 和 disorderly conductMisdemeanours: including DUI and disorderly conduct
4个人医生的姓名和地址，或最近就诊诊所的名字和就诊结果The personal physician's name and address, or the clinic last visited and the outcome of the visit
5当前每一种处方药的名字和用途The name and purpose of every current prescription
6过去和现在的医疗状况、诊断日期、治疗方式Past and present conditions, dates of diagnosis, and treatment
7即将进行的医疗预约、检查治疗（procedures）、随访Upcoming appointments, procedures, and follow-ups

第 2 题和第 7 题最容易被当成不重要。第 2 题漏了可能变成替换违规 （见保单替换）， 第 7 题漏了可能在 APS 里被发现，到那时它就不叫「漏了」，叫「没说」了。

Questions 2 and 7 are the ones treated as unimportant. Missing 2 can turn into a replacement violation (see Policy Replacement), and missing 7 can surface in the APS, at which point it isn't an omission any more, it's a non-disclosure.

客户说「我有某某病」之后，追问这七句When a client discloses a condition, ask these seven

  1. 什么诊断？什么时候诊断的？
  2. What was the diagnosis, and when?
  3. 现在怎么治疗？药名、剂量、多久吃一次
  4. Current treatment: drug name, dose, how often
  5. 现在还有没有症状？
  6. Any symptoms now?
  7. 有没有看过急诊或住院？
  8. Any ER visits or hospital stays?
  9. 有没有因此请假，或影响日常生活？
  10. Any missed work, or limits on daily activities?
  11. 医生有没有要求复诊或后续检查？
  12. Any follow-up the doctor wants?
  13. 现在看哪位医生？
  14. Which doctor are they seeing now?

两个假设例子正好对照：一位客户的第三方报告显示多次「糖尿病前期」就诊，经纪人却回答客户没有这个诊断、也不知道血糖数值，结果体检验出 A1c 8.7，拒保。 另一位只提到焦虑，经纪人把诊断时间、用药（一种药）、有没有请假、医生资料都问清楚写进申请，第三方报告也对得上，六年稳定，批了 Standard Non-Tobacco。

Two hypothetical cases make the contrast: in one, third-party reports showed repeated prediabetes visits, but the agent said the client had no such diagnosis and didn't know the reading; the exam found an A1c of 8.7 and the case was declined. In the other, the client mentioned only anxiety; the agent asked about the diagnosis date, the single medication, missed work and the doctor, wrote it all on the app, the reports matched, six years stable. It was approved Standard Non-Tobacco.

案例为假设，原文见文末培训简报 p. 10–11。

Cases are hypothetical; the originals are in the training deck, slides 10–11 at the end of the page.

三、提交路径与联系方式3. Submission routes and contacts

首选Default

eApp

eApp

动态界面、自动校验、会提示常见错误，提交后秒回保单号。 补件通过 Agent Portal 安全上传。

A dynamic interface with validation that flags common errors, and an immediate policy number on submission. Requirements upload securely through the Agent Portal.

大单Large case

大单专线

Large case desk

面额 ≥ $2M 或 CTP 保费 > $35K： LargeCase@NationalLife.com。Informal trial 也走这里， cover letter 与财务文件要齐。

Face of $2M or more, or CTP premium above $35,000: LargeCase@NationalLife.com. Informal trials go here too, with the cover letter and financials complete.

不推荐Avoid

纸质申请

Paper

慢，而且容易因为州表格不对、缺表、漏答问题而延误。 真要用：NBApplicationImages@NationalLife.com。

Slow, and prone to delays from inaccurate state paperwork, missing forms, and unanswered questions. If you must: NBApplicationImages@NationalLife.com.

演示表（illustration）：采用 NAIC 演示表规则的州，申请要附签了字的演示表或有效的销售证明； 没采用、州法也不要求的可以不附，各州规定要自己弄清楚。TotalSecure 不论哪个州都要随申请附演示表。 宾夕法尼亚州要先完成委任（appointment）才能招揽。

Illustrations: states that have adopted the NAIC illustration regulation require a signed illustration or a valid sales certification with the application; states that haven't, and don't require one by statute, don't. Know your state's rule. TotalSecure always needs an illustration with the application. Pennsylvania requires you to be appointed before you solicit.

送单：保单到手后尽快当面交给 Owner。随单的 transmittal 列了要收回的收据和表格， 通过 Agent Portal 上传、用随附的回邮信封寄回，或发到 FormsOnDelivery@NationalLife.com。

Delivery: hand the policy to the owner in person as soon as you have it. The transmittal lists the receipts and forms to return: upload them to the Agent Portal, use the enclosed return envelope, or email FormsOnDelivery@NationalLife.com.

只要记一个号：800-906-3310，这是国家人寿的总客服号（Contact Center），Sales Desk 也是这个号。 技术问题找 Technical Help Desk：877-654-3499。 指南第 2 页列了各部门的邮箱，常用的几个是： 佣金 NLGCompensation、签约 Contracting、自动扣款 EFTTeam、 签字 120 天内的合同变更 Rewrites、 120 天以后的变更 ContractChange、客户不要保单 Disbursements （均为 @NationalLife.com）。

One number to remember: 800-906-3310, the National Life Group Contact Center, which is also the Sales Desk number. Technical problems go to the Technical Help Desk at 877-654-3499. Page 2 of the guide lists the departmental mailboxes; the ones you'll use are NLGCompensation, Contracting, EFTTeam, Rewrites for contract changes within 120 days of signing, ContractChange after 120 days, and Disbursements when a client declines the policy (all @NationalLife.com).

案件状态自己查，不用打电话：Agent Portal → Book of Business → New Business → Pending New Business → Outstanding Requirements。 能看到当前状态、还缺哪些材料、以及需不需要你采取行动； 材料一到就自动附上时间戳。Underwriter 没接电话就留言，一般一个工作日内回电。

Check status yourself instead of calling: Agent Portal → Book of Business → New Business → Pending New Business → Outstanding Requirements. It shows the current status, which requirements are outstanding, and whether any action is needed from you; each item is attached automatically, with a date stamp, as it arrives. If an underwriter doesn't pick up, leave a message; they generally call back within one business day.

四、体检：代码、准备、红线4. Paramed: codes, preparation, red lines

要不要体检，由产品 × 签发年龄 × 面额 × 病史四个轴决定。 五个代码就是所有产品矩阵的字典：

Whether an exam is needed comes from four axes: product, issue age, face amount, and history. Five codes are the dictionary for every product matrix:

A仅申请，无体检Application only
D申请 + 体检 + 验血 + 验尿Application, exam, blood, urine
MD + 高龄功能评估D plus the mature assessment
MEM + 心电图M plus an EKG
APS调取病历Attending physician statement

矩阵里写成「D/APS」的意思是两样都要。记住三条经验：RapidProtect 不用体检；70 岁以上所有面额都要 ME/APS；$5M 以上每个年龄段都要 APS。

"D/APS" in a matrix means both. Three rules of thumb: RapidProtect needs no exam; at 70 and over every face amount needs ME/APS; above $5M every age band needs an APS.

体检要求矩阵：Living Life DefenderThe requirement matrix: Living Life Defender

面额Face0–1718–3031–4041–5051–6061–6566–6970+
≤ $250KTo $250KAAAAAADME/APS
$250K – $1MAAAAADDME/APS
$1M – $2MA/APSAAADD/APSD/APSME/APS
$2M – $3MA/APSAAA/APSD/APSD/APSD/APSME/APS
$3M – $5MA/APSDDD/APSD/APSD/APSD/APSME/APS
$5M 以上Above $5MA/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS

年龄按最近生日（age nearest birthday）。FlexLife NL、TotalSecure、BasicSecure 用同一张矩阵。 SummitLife 和 PeakLife NL 最低面额 $1M，从 $1M 起和上表一样（PeakLife NL 没有 0–17 岁）。 Term 只从 18 岁起保，$2M 以下和上表一样；超过 $2M 按全核保从 18 岁起就要体检；指南第 18 页的表写 Term 18–50 岁 EZ 可到 $5M，但同页正文写 Term 的 EZ 只到 $2M，交件前先问核保员。 SurvivorLife（双人）两个被保人都走全核保，18–69 岁所有面额至少是 D（面额高的加 APS），70 岁以上 ME/APS，只能交纸质申请，最低 $250K。 一年内做过常规体检的，永久型 18–50 岁 $3M–$5M、51–60 岁 $1M–$3M 可能免体检（Expanded EZ），见第九节。

Ages are nearest birthday. FlexLife NL, TotalSecure and BasicSecure use the same matrix. SummitLife and PeakLife NL have a $1M minimum and match the table from $1M up (PeakLife NL has no 0–17 band). Term starts at 18 and matches the table up to $2M; above $2M full underwriting needs an exam from 18. The guide's page-18 table lists term at 18–50 up to $5M under EZ, but the text on the same page says $2M for term; check with the underwriter before submitting. SurvivorLife (two lives) is fully underwritten on both insureds, at least D at every amount from 18 to 69 (plus APS at higher amounts) and ME/APS from 70, paper application only, $250K minimum. With a routine physical in the past year, permanent cases at 18–50 for $3M–$5M and at 51–60 for $1M–$3M may skip the exam under Expanded EZ; see section 9.

告诉客户的四件事Four things to tell the client

带照片身份证（驾照即可）｜空腹至少 12 小时｜ 体检前至少 12 小时不剧烈运动｜带一份完整的用药清单。

Bring photo ID (a driver's licence is fine) · fast for at least 12 hours · no strenuous exercise for at least 12 hours before the exam · bring a list of all medications.

指定的体检公司只有两家：APPS-Portamedic（800-727-2101）与 ExamOne（877-933-9261）。 需要翻译要在 Agent's Report 上注明，而且 不能用家属或受益人当翻译。

Two approved vendors only: APPS-Portamedic (800-727-2101) and ExamOne (877-933-9261). Note any interpreter requirement on the Agent's Report, and a family member or beneficiary may not interpret.

客户想要自己的化验结果：体检员会给一张带取件码的单子，可以直接向化验室取； 或者让客户签表 7935（Release for Medical Information）交给 home office，收到后五个工作日内寄到客户登记的地址。

If the client wants their lab results, the examiner leaves a slip with a code to collect them from the lab directly; or the client signs Form 7935 (Release for Medical Information) and the home office mails the results to the address on record within five business days of receiving it.

体检的三条红线，后果比你想的重Three red lines, with heavier consequences than you'd expect

① 在客户签完 application、Authorization、HIPAA、HIV consent 之前， 不能订体检。
② 不能替客户先做好体检再补签字，这违反州法规，保险公司会被罚。
③ 年龄和面额本身不要求的体检，agent 不能自行 order，除非 home office 的 underwriter 授权；按年龄和面额需要的体检由公司下单。

① Do not order a paramed before the client has signed the application, the authorization, the HIPAA form, and the HIV consent.
② Do not run the exam first and collect signatures afterwards; that breaches state regulation and the carrier gets fined.
③ An agent may not order testing that the age and amount don't require without a home-office underwriter's authorization; required exams are ordered by the company.

后果有两层：签字前做的体检，签约所在州可以重罚保险公司， 这笔成本最后可能以加价的形式落到客户头上； 没经核保员要求、年龄和面额也不需要的体检，费用可能由你自己承担。

Two consequences: testing done before the signatures can bring a heavy state fine on the carrier, which may end up in the client's premium; and for testing that neither the underwriter asked for nor the age and amount require, you may be billed yourself.

五、APS 与六大数据库5. APS and the six databases

APS 什么时候会被触发When an APS is triggered

年龄Age常规触发面额Routine trigger
0–17≥ $1,000,001
18–40≥ $5,000,001
41–60≥ $2,000,001
61–69≥ $1,000,001
70+所有面额Every face amount

另外这些病况不论面额都可能需要 APS（不限于此）：酒精或药物滥用及其治疗、 心血管与冠状动脉疾病、癌症、用胰岛素或吸烟的糖尿病、COPD 与肺气肿与慢支、心脏杂音、 肝炎与肾病与狼疮、需要多种或精神类药物的精神疾病、多发性硬化与周边血管病、中风 TIA 与脑出血、 克罗恩病与溃疡性结肠炎、阿片类或慢性疼痛用药、监禁史与 PTSD、多种慢性病并存， 以及过去六个月内的急诊或住院。

These conditions may require an APS regardless of face amount (the list isn't exhaustive): alcohol or drug abuse and its treatment; cardiovascular and coronary artery disease; cancer; diabetes treated with insulin or with tobacco use; COPD, emphysema and chronic bronchitis; heart murmur; hepatitis, kidney disease and lupus; psychiatric conditions requiring multiple or psychotropic medications; MS and peripheral vascular disease; stroke, TIA and cerebral haemorrhage; Crohn's and ulcerative colitis; opioid or chronic pain medication; a history of incarceration and PTSD; multiple chronic conditions; and any emergency visit or hospitalisation in the past six months.

时间预期要提前告诉客户，否则他会以为是你在拖： 从医生那里调到病历要 2 到 6 周；病历长度从 10 页到 2,000 页都有； 核保员收到病历后还要最多 5 个工作日看完。 调取工具是 Parameds.com（800-872-3674）。

Set the timing expectation up front, or the client will assume the delay is you: retrieving records from the physician takes two to six weeks; the records run anywhere from 10 pages to 2,000; and the underwriter needs up to another five business days from receipt to read them. Retrieval runs through Parameds.com (800-872-3674).

六大数据库：核保员的 X 光Six databases: the underwriter's X-ray

MIB非营利会员制反欺诈库，受 FCRA 监管。核保员不能根据 MIB 信息做不利决定。The nonprofit member anti-fraud bureau, regulated under FCRA. An underwriter can never make an adverse decision based on MIB information.
RxMilliman Intelliscript：处方、医疗理赔、犯罪记录。覆盖过去七年的处方。Milliman Intelliscript: prescriptions, medical claims, criminal records. It covers seven years of prescriptions.
MVR驾驶记录：所有 16 岁以上申请人、所有面额，由 home office 自动调取Motor vehicle report for every applicant 16 and over, at every face amount, ordered automatically
E-Insp财务背调电子报告，$2M 以上触发Electronic financial inspection, triggered above $2M
LabPiQture提供临床化验结果Provides clinical laboratory results
CRL实验室自带的处方数据库，辅助交叉验证The lab's own prescription database, used for cross-checking

讲这一段给客户听的时候，不要说成「公司会查你」， 要说成「这些数据核保员本来就看得到，所以如实说反而对你有利」。 前者让人紧张，后者让人配合，而且后者是真的。

When you explain this to a client, don't frame it as "the company will investigate you." Frame it as "the underwriter already sees all of this, which is why full disclosure works in your favour." The first makes people defensive, the second makes them cooperate, and the second is true.

客户觉得报告有错：去哪里申诉If a client thinks a report is wrong: where to dispute it

按《公平信用报告法》（FCRA），客户可以向报告机构索取自己的报告并申诉更正。经纪人只负责告诉客户去哪里，不替客户申请。

Under the Fair Credit Reporting Act, clients can request their own report from the bureau and dispute errors. Your job is to tell them where; you don't file it for them.

机构Bureau联系Contact
Milliman（处方、医疗理赔）Milliman (Rx, medical claims)(877) 211-4816 · FCRAreport@milliman.com
MIB(866) 692-6901 · mib.com
LabPiQture(844) 225-8047
ExamOne(877) 933-9261 · examone.com
APPS Portamedic(516) 822-6230 · appslive.com

记忆口诀：签字即合同 → 两年观察期 → 谎报即撤销。

Three beats: signature makes the contract → two years of contestability → misstatement means rescission.

Application

The application

相关方一签字，它就是申请人、Owner 与公司之间有法律约束力的合同。 公司同意赔付的前提是：申请人如实回答了所有问题，且所有核保要求都完成。

Once signed, it is a legally binding contract between the applicant, the owner, and the carrier. The carrier's agreement to pay is conditional on truthful answers and completed requirements.

两年可争议期

Two-year contestability

保单生效后前两年内出险或提出理赔，公司有权对理赔提出质疑。 申请时的虚假信息可能导致拒赔。

For the first two years, the carrier may contest a claim. False information at application can mean the claim is denied.

Rescission 撤销

Rescission

因 material misrepresentation 取消保单：保费加利息退还、保单作废、 agent 佣金 chargeback。

The policy is voided for material misrepresentation: premiums returned with interest, the contract cancelled, and the agent's commission charged back.

五步连锁：客户没说真话之后会发生什么The five-step chain

① 客户漏报或谎报（隐瞒 DUI、心脏病、处方药）→ ② 核保员透过 MIB / Rx / MVR / 第三方医证交叉比对发现 → ③ 在两年可争议期内，出单后收到第三方信息、出单后的变更需要新的核保证据、或期内出险，都可能启动 contestable review → ④ 按州法律认定为 material misrepresentation → ⑤ 保单作废、保费退还、agent 的佣金被追回（chargeback）。

A client omits or misstates something (a DUI, a cardiac history, a prescription). The underwriter finds it by cross-referencing MIB, Rx, MVR, and third-party medical evidence. A contestable review opens during the two-year contestable period: third-party information received after issue, an after-issue request that needs new underwriting evidence, or a claim. State law determines the misrepresentation is material. And the policy is voided, premiums returned, and the agent's commission is charged back.

时效表The clocks

项目Item有效期Valid for超期怎么办If it expires
ApplicationApplication签字起 6 个月6 months from signing申请失效The application is no longer valid
Statement of Health（表 5230，适用的州）Statement of Health (Form 5230, where the state uses it)距最后一次健康证据（体检或申请里的健康问答）90 天90 days from the last evidence (the exam or the application's health section)超过就要签 Statement of Health，重新声明The medical information must be re-declared
体检与化验，年龄 ≤ 69Paramed and labs, age 69 and under12 个月months重做Repeat
体检与化验，年龄 ≥ 70Paramed and labs, age 70 and over6 个月months重做Repeat
接受其他公司的体检Another carrier's exam accepted同上：≤69 为 12 个月，≥70 为 6 个月Same: 12 months under 70, 6 months at 70+超过就要新做，核保员也可能另要新检查Beyond that, new testing; the underwriter may ask for current testing anyway
Rewrite 期限Rewrite window签字后 120 天内120 days from signing改走 After-Issue Contract ChangeBecomes an after-issue contract change
保单可争议期Contestable period出单后 2 年2 years from issue之后 incontestableIncontestable thereafter

七、Nexus、可保利益与 Owner7. Nexus, insurable interest, and ownership

Nexus：申请在哪个州签的: which state the application is signed in

当申请在不是 Owner 或被保人居住州的地方签字时， 必须建立一个可接受的连接（nexus），该州才能合法签发。五种可接受的场景： 在该州拥有房产或第二居所｜雇主公司 base 在该州｜被保人或 Owner 名下的公司 base 在该州｜ Owner 是受该州法律管辖的信托｜外国人没有州居住身份。

When an application is signed outside the owner's or insured's state of residence, an acceptable connection (a nexus) must exist for that state to issue. Five qualify: owning real estate or a second home there; the employer being based there; a company owned by the insured or owner being based there; the owner being a trust governed by that state's law; or a foreign national with no state residence at all.

配套要求：表 9928（State of Execution Certification）必填； 以上情形都要求 agent 在两个州都有相应牌照，部分州明确要求同时持有居住州与执行州的牌照； 必须用执行州批准的申请表； 产品要在两个州都有售；执行州和居住州相邻、而居住州没批准或批的是明显不同的保单版本时， 居住州可能要求取消这笔销售，或改用它批准的版本。

What comes with it: Form 9928, the State of Execution Certification, is required; every scenario is subject to appropriate licensing in both states, and some states require the agent to hold both the resident and the execution state licence; the execution state's approved application forms must be used; the product must be available in both states; and where the execution state borders the resident state and the resident state has disapproved the form or approved a materially different one, the resident state may require the sale to be cancelled or moved to its approved form.

唯一的豁免是直系亲属：被保人或 Owner 是 agent 的 配偶、父母、兄弟姐妹、子女时，可以豁免 nexus 要求。 表兄弟、叔伯姑姨、甥侄都不算。

The only exemption is immediate family: the insured or owner being the agent's spouse, parent, sibling, or child. Cousins, aunts, uncles, nieces, and nephews do not count.

这一条和合规手册「执照」一节里那条外州执照要求是一套的： Nexus 解决「这张单能不能在这个州签」，执照解决「你能不能在这个州卖」， 两件事都要成立。

This pairs with the out-of-state licensing rule in the licensing section of the Compliance Handbook: nexus decides whether the case can be signed in that state; your licence decides whether you may sell there, and both have to hold.

可保利益Insurable interest

严格定义：Owner 或受益人必须因被保人死亡承担可量化的经济损失， 也就是「被保人活着对 Owner 比死了更有利」。

The strict definition: the owner or beneficiary must suffer a quantifiable economic loss on the insured's death; that is, the insured being alive must be worth more to them than the insured being dead.

容易建立

Straightforward

配偶或事实伴侣（收入、债务、教育、丧葬）｜父母投保未成年子女｜ 祖父母投保孙辈（需父母同意）｜债务关系（loan repayment）｜ 关键人（key person）｜买卖协议（buy-sell）｜遗产保护

A spouse or significant other (income, debt, education, funeral costs) · a parent insuring a minor child · a grandparent insuring a grandchild with the parent's consent · a loan relationship · key person · buy-sell · estate protection

难以建立

Hard to establish

表兄弟｜甥侄｜叔伯姑姨
→ 较难承保，因为双方的经济与情感联系难以认定和量化。
除了配偶互保、父母投保未成年子女，只要 Owner 不是被保人，或 Owner 与受益人的关系有疑问，agent 都要仔细写清楚可保利益，并说明被保人身故会造成的经济损失。

Cousins · nieces and nephews · aunts and uncles
→ These are harder to insure, because the financial and emotional ties are hard to identify and quantify.
Apart from spouses insuring each other and parents insuring minor children, whenever the owner isn't the insured, or the owner–beneficiary relationship is questionable, the agent has to describe the insurable interest carefully, including the financial loss at the insured's death.

Contingent Owner：五分钟能省掉一大堆麻烦的动作: five minutes that saves a lot of trouble

不设备用 Owner 的后果：Owner 过世、未成年人因此接管保单， 就必须由法院指定的法定监护人代表孩子处理保单的所有事务， 大部分操作还要法院下令授权。

Without a contingent owner: if the owner dies and a minor would inherit the contract, a court-appointed legal guardian has to act for the child in every dealing with the policy, and most transactions also need a court order.

在保单上加一位备用 Owner（contingent owner），就能避免这种情况。

Naming a contingent owner on the policy avoids this.

出单前通过 Agent Portal 提交姓名、出生日期、SSN 与关系； 出单后用表 1492 Ownership Change 寄到 TitleDepartment@NationalLife.com。 这是整页性价比最高的五分钟。

Before issue, submit the name, date of birth, SSN, and relationship through the Agent Portal; after issue, use Form 1492 to TitleDepartment@NationalLife.com. It is the highest-return five minutes on this page.

八、财务核保8. Financial underwriting

核保员在财务这一块只问四件事：① 面额是否匹配真实需求 ② 保费客户能否长期负担 ③ 受益人是否真的承担经济损失 ④ 面额有没有超过客户的经济价值（human life value）。

On the financial side the underwriter asks four things: does the face amount match a real need; can the client sustain the premium; does the beneficiary genuinely bear a loss; and does the face exceed the client's human life value?

Cover letter 是这一段的杠杆。只要不是单纯的收入替代（遗产、商业、慈善、资产重置等）， 都应该附；大额案件还要附需求分析和财务报表。写清楚四件事： 这单是怎么做成的（purpose & method）、面额是怎么算出来的（justification）、 打算怎么用以及用了哪些附加条款、有没有竞争场景或特殊背景。 eApp 里直接在 cover letter 字段输入即可。

The cover letter is the lever here. Send one with any case that isn't straight income replacement (estate, business, charitable, asset repositioning), and add the needs analysis and financial statements on large cases. Cover four things: how the sale came about, how the face amount was derived, the intended use and the riders selected, and any competitive or unusual context. In eApp it goes straight into the cover letter field.

收入倍数表Income replacement multipliers

年龄Age倍数Multiple年薪 $100K 对应On a $100K salary
18–3040×$4,000,000
31–4035×$3,500,000
41–5025×$2,500,000
51–6015×$1,500,000
61–6510×$1,000,000
66–695×$500,000

「Earned income」的定义比客户以为的窄得多，这是最常谈崩的一处。 只算 paid work 的收入； 不算投资收益、租金、赡养费、储蓄利息等。 一位靠租金和投资过日子的客户，在这张表上的可投保额可能接近零。 他需要的是 estate planning 的理由，不是 income replacement 的理由。

"Earned income" is far narrower than clients assume, and this is where the conversation most often breaks. Only income from paid work counts. Investment income, rent, alimony, savings interest and the like do not. A client living on rent and investments may have close to zero capacity on this table; their case has to be built on estate planning, not income replacement.

70 岁及以上根本不适用 income replacement， 改走 estate planning 或 asset repositioning。

At 70 and over, income replacement doesn't apply at all; the case becomes estate planning or asset repositioning.

财务文件与面额阈值Financial documents and the thresholds

面额FaceEICFQIVTPV
$2,000,001+✓———
$5,000,001+✓✓—✓（70+）✓ (70+)
$10,000,001+✓✓✓✓（18+）✓ (18+)

EI 电子背调（核保员自己 order）｜CFQ 财务问卷，表 1392｜IV 收入验证（CPA 签的 1392、税表、W-2、1099）｜TPV 第三方验证（CPA 签的 1392、估值报告、银行或券商对账单、地产文件）。纽约州特殊：Reg 187 要求所有 NY 申请随附表 1392，不分面额。

EI electronic inspection, ordered by the underwriter · CFQ confidential financial questionnaire, Form 1392 · IV income verification (a CPA-signed 1392, tax return, W-2, or 1099) · TPV third-party verification (a CPA-signed 1392, a valuation, bank or brokerage statements, or property documents). New York: Reg 187 requires Form 1392 on every application regardless of face amount.

未成年保单（0–17 岁）Juvenile cases (0–17)

通用规则：至少 14 天大｜美国公民或永久居民｜Owner 限父母、法定监护人或祖父母。 按总保额（total line）分阶梯：

General rules: at least 14 days old, a US citizen or permanent resident, and the owner must be a parent, legal guardian, or grandparent. The total line of coverage follows a ladder:

≤ $500KUp to $500K永久型，不看父母或兄弟姐妹的 inforcePermanent cover, with no reference to the parents' or siblings' inforce
$500K – $1M不超过主要收入来源父母的 inforceNo more than the breadwinning parent's inforce
$1M – $3M个案审查，不超过主要收入来源父母 inforce 的 50%Case by case, no more than 50% of the breadwinning parent's inforce
> $3MAbove $3M必须配 estate planning 文档Requires estate planning documentation

举例：孩子要买 $300 万，父母里至少有一方（主要收入来源）要有 $600 万的 inforce；不是「父母各 $300 万」就够。

Example: for a $3M child policy, at least one parent (the breadwinner) needs $6M inforce; "$3M on each parent" isn't enough.

超过 $500K 的，兄弟姐妹要有同等保障（保额或保费相当），另一位不是主要收入来源的父母也要有足够保额；主要收入来源父母的 inforce 证明，核保员可能会要。

Above $500K, siblings need like coverage (equal face or premium), and the non-breadwinning parent should also be adequately insured; the underwriter may ask for proof of the breadwinning parent's inforce cover.

纽约州另有更严的规则（0–14.5 岁）：0 至 4 岁半，上限为 $50K 与投保父母 inforce 的 25% 取其高；4 岁半至 14 岁半，取 $50K 与 50% 的较高者。祖父母投保且孩子非其受抚养人时，按通用规则，NY 特殊规则不适用。

New York is stricter for ages 0 to 14½: up to age 4½ the cap is the greater of $50K or 25% of the insuring parent's inforce; from 4½ to 14½, the greater of $50K or 50%. Where a grandparent insures a child who is not their dependent, the general rules apply and the New York rules don't.

八类特殊情况Eight special situations

遗产保护Estate protection按净值算遗产税负，用 10–20 年的合理增长率推Estate tax exposure from net worth, projected at a reasonable rate over 10–20 years
身后费用Final expenseNLG 不卖独立的 final expense；有财务理由时，可作为整体需求的一部分考虑，上限 $100KNLG doesn't sell standalone final expense; with financial justification, up to $100K may be considered as part of the overall need
高龄（70+）Older ages (70+)Income replacement 不适用，走 estate 或 asset repositioningIncome replacement doesn't apply; use estate or asset repositioning
被抚养的父母A dependent parent需可量化的经济损失；主要收入者的保额必须大于父母的保额，收入也要撑得起全家的保单；上限 $100K（所有公司合计）Needs a quantifiable loss; the breadwinner's own cover must exceed the parent's and their income must carry the household's policies; capped at $100K across all carriers
以 SSI / SSDI 等政府补助为主要收入SSI, SSDI or other aid as the main income除了少量 final expense，一般没有寿险需求；这是唯一收入来源的，不承保Little need beyond a nominal final expense policy; if it is the only income, no coverage is offered
没有工作的配偶A non-working spouse可以 match 工作配偶的 inforce 到 $1M；超过要有财务理由。工作配偶不可保的，按家庭的工作收入定May match the working spouse's inforce up to $1M; beyond that needs a financial rationale. If the working spouse is uninsurable, cover follows the household's earned income
保费占收入Premium to income收入一般的家庭，寿险保费合计一般不超过年收入的 10%；超过的核保员可以要更多财务文件。收入高的个案看For households of modest income, total life premiums generally stay within 10% of annual income; above that the underwriter may ask for more financials. Higher incomes are considered individually
个人贷款Personal loans自住房贷最多按 100%，其他个人贷款最多 75%；附贷款文件，建议把对应金额 collateral assignment 给贷款方Home mortgages up to 100%, other personal loans up to 75%; include the loan documents, and a collateral assignment to the lender is recommended

核保培训简报里的假设案例 3 正好是「没有工作的配偶」这一条：30 岁全职主妇申请 LLD $1.5M，丈夫有 $1M 保额， 超出了 match 上限，核保员来问为什么。经纪人说明家里是三个还没上学的三胞胎，她身故后丈夫得为三个孩子请托育，开销很大。 核保员考虑到只多出 $500K，破例放行，按 Elite 批出。这种理由最好一开始就写进 cover letter，别等核保员来问。

Hypothetical case 3 in the underwriting training deck is exactly the non-working-spouse rule: a 30-year-old homemaker applies for $1.5M on LLD while her husband has $1M, so she is over the match limit and the underwriter asks why. The agent explains that there are three triplets not yet in school, and that if she died her husband would have to pay for daycare for all three, a costly expense. Because the increase was only $500K, the underwriter made an exception and approved it at Elite. Put a reason like that in the cover letter up front rather than waiting to be asked.

案例为假设，原文见文末培训简报 p. 12。

The case is hypothetical; the original is in the training deck, slide 12 at the end of the page.

慈善、破产，以及一律拒的那一类Charitable, bankruptcy, and the automatic decline

慈善捐赠

Charitable giving

有捐赠记录的：按过去三年的年均捐赠计，21–70 岁最多 20 倍，71 岁以上最多 10 倍； 个人的寿险需求必须先满足，慈善保单不超过现有个人保额的 50%。 没有捐赠记录的个案审查，要附 cover letter 详细说明与该慈善机构的关系，同样最多到现有个人保额的 50%， 关系不够密切的可能无法考虑；其中高净值客户可按已证明的净值分档： <$5M 个案审查 ｜ $5–10M 为净值 10% ｜ $11–50M 为 20% ｜ $51–100M 为 30% ｜ >$100M 为 40%。

With a giving history: based on the average annual gift over the past three years, up to 20 times at ages 21–70 and up to 10 times at 71 and over; the personal insurance need must be met first, and the charitable policy stays within 50% of existing personal cover. Without a giving history it's case by case, with a cover letter detailing the relationship to the charity, again up to 50% of existing personal cover, and it may not be considered if the relationship isn't significant. High-net-worth clients can be considered on proven net worth: under $5M case by case; $5–10M up to 10% of net worth; $11–50M, 20%; $51–100M, 30%; above $100M, 40%.

破产与 IOLI

Bankruptcy and IOLI

Chapter 7：必须已 discharged、有全职工作、需求合理。
Chapter 11 / 13：正常付债、无法院限制，综合评估。
IOLI / STOLI / CHOLI（投资人、陌生人、慈善机构持有）：一律拒。

Chapter 7: must be discharged, in full-time work, with a reasonable need.
Chapter 11 or 13: paying as agreed, no court restriction, assessed as a whole.
IOLI, STOLI, and CHOLI (investor-, stranger-, and charity-owned) are declined outright.

商业保险Business cases

关键人Key person对盈利贡献大、不可替代的人。倍数一般 5×，已站稳的企业可到 10×；收入含股票期权、奖金与福利Someone materially responsible for profit and hard to replace. Generally 5×, or 10× at a well-established company; income includes options, bonus, and benefits
买卖协议Buy-sellCross purchase 或 stock redemption，按持股比例投保。没有 buy-sell 协议时，要交近两年的损益表与资产负债表，或第三方估值Cross purchase or stock redemption, insured in proportion to the ownership stake. Without an agreement, submit two years of P&L and balance sheet, or a third-party valuation
递延薪酬Deferred compensationQualified：雇主税前抵扣、雇员延税。Non-qualified：雇主无抵扣、雇员当期纳税。偏好低面额 + 高现金值的产品设计Qualified: employer deducts pre-tax, employee defers. Non-qualified: no employer deduction, employee taxed currently. Designs favour a low face with high cash value
贷款保障Loan protection最多未还贷款额的 75%；应把对应贷款余额的身故金 collateral assignment 给贷款方；要详细说明贷款用途与条款Up to 75% of the outstanding balance; a collateral assignment of the death benefit for the loan balance should be used; the loan's purpose and terms must be detailed
高管奖金计划Executive bonus雇主代付高管个人持有保单的保费，金额可在递延薪酬协议里约定，并要有个人保险需求支持；要交递延薪酬协议（如有）与近两年薪资（含 bonus）The employer pays the premium on the executive's personally owned policy; the amount may be set in a deferred comp agreement and should be justified by personal insurance need; submit any deferred comp agreement and two years of compensation including bonus

商业保险必交：cover letter、表 20098 Business Insurance Worksheet、表 8453 Insured Notification & Consent（employer-owned 必填）、按面额要求的近两年财报或个人税表 W-2 / 1099，以及无 buy-sell 协议时的第三方估值。

Business cases require: a cover letter, Form 20098 Business Insurance Worksheet, Form 8453 Insured Notification & Consent for employer-owned cases, two years of financials or personal returns as the face amount requires, and a third-party valuation where there's no buy-sell agreement.

九、三大核保模式9. Three underwriting paths

Full Medical

Full medical

多见于大额或高龄。验血、验尿、体检、心电图全套。要求最全，通常耗时最长。以 LLD 为例：18–50 岁超过 $3M、51–60 岁超过 $1M、 61–65 岁超过 $250K 就要体检，66 岁以上都要。

Typically large or older cases. Blood, urine, paramed, and EKG. The most complete set of requirements, and usually the slowest. On LLD, for example, the exam starts above $3M at 18–50, above $1M at 51–60, above $250K at 61–65, and at every amount from 66.

EZ（加速核保）

EZ (accelerated)

18–65 岁。不需要血、尿、体检、心电图， 依赖数据库加申请内容，但 best class 仍然可以到 Elite。 基本上限：18–50 岁永久型 $3M、Term $2M，51–60 岁 $1M，61–65 岁 $250K。

Ages 18–65. No blood, urine, paramed, or EKG, relying on databases plus the application, and Elite is still reachable. Base limits: $3M on permanent and $2M on term at 18–50, $1M at 51–60, $250K at 61–65.

RapidProtect（简易）

RapidProtect (simplified)

非烟 0–60 岁、吸烟 18–60 岁，$50K–$500K。几道问题，无体检，即时决定。 只有 Standard 与 Express 等级。

Ages 0–60 non-tobacco, 18–60 tobacco, $50K to $500K. A few questions, no exam, and an instant decision. Standard and Express classes only.

EZ 面额上限（指南第 18 页的表）EZ face limits (the table on page 18 of the guide)

产品Product18–5051–6061–65
FlexLife≤ $5M≤ $3M≤ $250K
SummitLife≤ $5M≤ $3Mn/a
PeakLife NL≤ $5M≤ $3Mn/a
Living Life Defender≤ $5M≤ $3M≤ $250K
TotalSecure≤ $5M≤ $3M≤ $250K
BasicSecure≤ $2M≤ $3M≤ $250K
Term≤ $5M≤ $1M≤ $250K

Expanded EZ 值得单独记：客户如果在过去 12 个月内做过常规体检 （含年龄对应的筛查），永久型产品的 EZ 上限会提高： 18–50 岁从 $3M 提到 $5M，51–60 岁从 $1M 提到 $3M。61–65 岁仍是 $250K。

Expanded EZ is worth remembering on its own: if the client has had a routine physical with age-appropriate screening in the past 12 months, the EZ ceiling on permanent products rises: from $3M to $5M for ages 18–50, and from $1M to $3M for 51–60. The 61–65 band stays at $250K.

Term 那一行照指南的表：18–50 岁 Up to $5M，51–60 岁 $1M，61–65 岁 $250K。 指南正文写的是 Term 18–50 岁 EZ 到 $2M，Expanded EZ 只用于永久型。 客户在国家人寿已经有的保单会影响要求，交件前先问核保员。

The term row follows the guide's table: up to $5M at 18–50, $1M at 51–60, $250K at 61–65. The guide's text puts term at 18–50 at up to $2M under EZ, and Expanded EZ applies to permanent products only. Existing National Life coverage changes the requirements, so check with the underwriter before submitting.

所以那句话变成了一个具体的动作：「您最近一年做过体检吗？」 做过的话，永久型产品可能可以免体检，额度也更高：18–50 岁最高 $5M，51–60 岁最高 $3M。

Which turns into one concrete question: "have you had a physical in the past year?" If yes, a permanent case may skip the exam, with a higher ceiling: up to $5M at 18–50 and $3M at 51–60.

RapidProtect：能写和不能写: what it will and won't take

限制先记住：不可加 table rating、不可加 flat extra、 Express Standard 不可加生前福利条款、不能用 XRAE 报价。 Express 等级本身就是轻度次标准，所以轻度 substandard 的客户也能走，只是不能再往上加费。

Limits first: no table ratings, no flat extras, Express Standard cannot carry accelerated benefit riders, and no XRAE quoting. The Express classes are themselves light substandard, so a mildly substandard client can still qualify; there's just no further rating on top.

不能写（节选）

Excluded (selected)

ALS、阿兹海默、痴呆｜癌症（基底细胞癌除外）｜心律失常、冠心病、心脏瓣膜病｜ 慢性肾病、透析｜COPD｜肝硬化｜酗酒｜心衰、起搏器、除颤器｜ 克罗恩、溃疡性结肠炎｜1 型糖尿病｜近三个月的诊断性检查（肠镜、宫颈涂片、乳腺 X 光除外）｜ 唐氏、自闭症、智力残疾｜HIV／AIDS｜近 12 个月住院（分娩除外）｜ 器官移植、帕金森、瘫痪｜周边血管病、多囊肾、结节病｜中风、TIA、自杀未遂｜ 驾照暂扣或吊销｜一年内单次 DUI、五年内多次 DUI｜任何重罪、刑事在审、暴力犯罪｜ 单次轻罪缓刑结束不满一年、多次轻罪最近一次在七年内｜因精神或其他疾病领取 SSDI／DI

ALS, Alzheimer's, dementia · cancer other than basal cell · arrhythmia, CAD, valve disease · CKD and dialysis · COPD · cirrhosis · alcoholism · heart failure, pacemaker, defibrillator · Crohn's and ulcerative colitis · type 1 diabetes · diagnostic testing in the past three months other than a colonoscopy, pap smear, or mammogram · Down syndrome, autism, intellectual disability · HIV/AIDS · hospitalisation in the past 12 months other than childbirth · transplant, Parkinson's, paralysis · PVD, PKD, sarcoidosis · stroke, TIA, attempted suicide · a suspended or revoked licence · a DUI in the past year, or more than one in five years · any felony, pending charges, violent crime · a single misdemeanour with probation ended under a year ago, or several with the last under seven years ago · SSDI or DI for mental health or other medical reasons

可以考虑（节选）

Considered (selected)

控制良好的高血压｜轻度焦虑或抑郁稳定六个月以上｜轻度哮喘｜基底细胞癌｜轻度背痛（看阿片类用量）｜ 脑瘫（八岁以上、无癫痫或智力障碍）｜2 型糖尿病控制良好｜癫痫（看年龄与治疗）｜ 纤维肌痛（无阿片）｜胆囊疾病完全恢复三个月以上｜胃旁路术后六个月以上｜妊娠糖尿病已结束｜ 青光眼已矫正｜轻度痛风（仅用 NSAID）｜乙肝丙肝已治愈｜甲亢甲减已控制｜ 关节置换恢复三个月以上｜偏头痛｜睡眠呼吸暂停（CPAP 使用良好）｜前列腺增生、前列腺炎、雷诺氏｜ 目前怀孕（过去和现在都无并发症）｜类风湿关节炎（不影响行动）｜轻度系统性红斑狼疮

Well-controlled hypertension · mild anxiety or depression stable six months · mild asthma · basal cell carcinoma · mild back pain, depending on opioid use · cerebral palsy over age 8 without epilepsy or intellectual disability · well-controlled type 2 diabetes · epilepsy depending on age and treatment · fibromyalgia without opioids · gallbladder disorder fully recovered over three months · gastric bypass over six months ago · resolved gestational diabetes · corrected glaucoma · mild gout on NSAIDs alone · cured hepatitis B or C · controlled thyroid disease · joint replacement recovered three months · migraine · sleep apnoea well managed on CPAP · BPH, prostatitis, Raynaud's · current pregnancy with no past or present complications · rheumatoid arthritis without disability · mild systemic lupus

另一条路：Foresters Live Well Plus（2025）Another route: Foresters Live Well Plus (2025)

全数字化分红终身寿（Afficiency 平台），无体检无体液，电子签名、电子送单，最高 $200 万。18–50 岁 PP/P $200 万、Std $175 万；51–60 岁 PP/P $125 万、Std $100 万； 最低 $2.5 万。首期保费不超过年收入的 40%。内含慢性/重疾/末期提前给付、家庭健康津贴、公共交通意外双倍赔付。 不合格的常见原因：非公民非绿卡、替换现有保单、曾被拒或加费、别处在审、10 年内重罪、5 年内 DUI、血压 > 150/90、有并发症的糖尿病、癌症（非皮肤）、心脏病、中风。

A fully digital participating whole life (Afficiency platform): no exam or fluids, e-sign and e-delivery, up to $2M. Ages 18–50: PP/P $2M, Std $1.75M; 51–60: PP/P $1.25M, Std $1M; min $25k. Initial premium within 40% of annual income. Includes chronic/critical/terminal acceleration, a family health benefit and common-carrier AD. Common knock-outs: not a citizen or green-card holder, replacing coverage, prior decline or rating, pending elsewhere, felony within 10 years, DUI within 5, BP > 150/90, diabetes with complications, non-skin cancer, heart disease, stroke.

Foresters 的二型糖尿病免体检工作表：仅口服药或饮食控制、20 岁以上；A1C > 8.9% 或有眼、神经、肾并发症就走全核保；年龄×病程评分加体型评分合计 ≤ 6 可能免体检。 外籍签证规则见《外籍人士投保》。

Foresters' Type 2 diabetes non-med worksheet: oral meds or diet only, age 20+; A1C > 8.9% or eye, nerve or kidney complications means full underwriting; an age × duration score plus build score totalling ≤ 6 may qualify non-med. Visa rules are in Foreign Nationals.

十、九个费率等级、烟的定义、BMI10. Nine rate classes, tobacco, and BMI

指南列出的九个等级：Elite NT｜Preferred NT｜Select NT｜Standard NT｜ Express Standard NT 1（次标准，≤ Table 4）｜Express Standard NT 2（225%–300%）｜ Preferred Tobacco｜Standard Tobacco｜Express Standard Tobacco（≤ Table 4）。

The guide's nine classes: Elite NT, Preferred NT, Select NT, Standard NT, Express Standard NT 1 (substandard, to Table 4), Express Standard NT 2 (225–300%), Preferred Tobacco, Standard Tobacco, Express Standard Tobacco (to Table 4).

三个 Express 等级只在总保额不超过 $2M 时可用，Living Life Defender 放宽到 $3M； 超过的走 Standard 加 table rating 或 flat extra（吸烟者超过上限时，table 只能到 Table D）。永久型的 Elite 签发到 75 岁，其他等级到 85 岁； 0–17 岁只有 Standard NT 和 Express Standard NT 1。SurvivorLife 没有 Express 等级， 两个被保人里一个不可保的，另一个要评到 200% 或更好。

The three Express classes are only available when total face is $2M or less, and $3M on Living Life Defender; above that, it's Standard with a table rating or flat extra (for tobacco above the cap, tables stop at Table D). On permanent products Elite issues to 75 and the other classes to 85; ages 0–17 get only Standard NT and Express Standard NT 1. SurvivorLife has no Express classes, and if one life is uninsurable the other must rate 200% or better.

Express Standard NT 2 没有生前福利，也没有 LIBR。 这一条在设计方案时最容易被忽略：客户评级落到这一档， 整套生前福利就没有了，而那往往正是当初打动他的那一部分。 这种情况要在出单前跟客户讲清楚，不要让他签完才发现。

Express Standard NT 2 carries no living benefits and no LIBR. This is the easiest thing to miss at design time: if the client lands in that class, the entire living-benefit set is gone, and that's usually the part that sold them in the first place. Tell the client before issue, not after they've signed.

什么算「用烟」：11 项What counts as tobacco: eleven things

香烟、雪茄、电子烟、vaping、烟斗、水烟、嚼烟、尼古丁口香糖、尼古丁贴片、 尼古丁烟袋（Zyn 这一类）、槟榔。

Cigarettes, cigars, e-cigarettes, vaping, pipe, hookah, chewing tobacco, nicotine gum, nicotine patches, nicotine pouches such as Zyn, and betel nut.

最后两项在我们的客户群里特别值得注意：尼古丁贴片和口香糖是戒烟用的， 但它们本身就算「用烟」；而槟榔在部分客户里很常见， 而客户几乎不会主动把它当成「吸烟」来报。要具体问，不要只问「您抽烟吗」。

The last two matter in our client base. Nicotine patches and gum are used to quit, and they still count as tobacco use; and betel nut is common among some clients who would never think to report it as smoking. Ask specifically; "do you smoke?" is not enough.

大麻是个别判断：可能适用 tobacco 费率， 取决于摄入方式与使用频率。 不要假设大麻等于非烟，先问 Sales Desk 或用 XRAE 报价。

Marijuana is case by case: tobacco rates may apply depending on delivery method and frequency of use. Don't assume it's non-tobacco. Ask the Sales Desk or run it through XRAE.

Table rating 换算Table ratings in percentages

数字Number字母Letter百分比Percent
Table 2B150%
Table 3C175%
Table 4D200%
Table 5E225%
Table 6F250%
Table 8H300%

字母与数字是同一个标准的两种写法，对应的百分比见上表：客户被 quote「Table D」，就是按 Standard 的 200% 评级。每一档差 25 个百分点。指南这张表没有列 Table 7（G）。

Letters and numbers are two notations for the same scale, with the percentage beside each: a client quoted "Table D" is rated at 200% of Standard. Each step is 25 points. The guide's table does not list Table 7 (G).

BMI：Term 的 Elite 到 Select 更严BMI: term is tighter from Elite to Select

等级Class永久型 BMIPermanent BMITerm BMITerm BMI
Elite18.5 – <27.118.5 – <24.9
Preferred27.1 – <29.924.9 – <27.1
Select29.9 – <32.727.1 – <29.9
Standard32.7 – <37.529.9 – <37.5
Express Standard 137.5 – <42.537.5 – <42.5
Express Standard 242.5 – <46.542.5 – <46.5

永久型适用 16 岁以上，Term 适用 18 岁以上。BMI 低于 18.5 也是个案处理（用 XRAE 评估，RapidProtect 不适用），偏瘦不等于自动通过。

Permanent applies from age 16, term from 18. A BMI below 18.5 is also a case-by-case review (assessed through XRAE; not available on RapidProtect); being underweight is not an automatic pass.

Term 整体比永久严：六处对照Term is tighter throughout: six comparisons

BMIBMI永久 Elite <27.1，Term Elite <24.9Permanent Elite below 27.1, term Elite below 24.9
烟龄Tobacco-free period永久 Preferred 禁 36 个月，Term Preferred 禁 60 个月Permanent Preferred 36 months, term Preferred 60 months
家族史年龄Family history age永久 Preferred 看 <60 岁死亡，Term Preferred 看 <65 岁Permanent Preferred looks at deaths under 60; term Preferred under 65
驾驶违规Moving violationsTerm 整体收紧一档：永久 Elite 可有 1 起，Term Elite 必须 0 起Term tightens by one: permanent Elite allows one, term Elite allows none
处方药Prescriptions永久 Elite 允许 1 种降压药 + 1 种降胆固醇药，Term Elite 完全不允许Permanent Elite allows one blood-pressure medication and one cholesterol medication; term Elite allows neither
酒精与药物Alcohol and drugs永久 Preferred 要求 10 年无，Term Preferred 要求终生无Permanent Preferred requires ten years clear; term Preferred requires a lifetime

这张表的实用价值：同一个客户，在永久型上是 Elite，在 Term 上可能只是 Preferred。 报价前先想清楚走哪一种，别拿永久的等级去许诺 Term 的价格。

The practical value: the same client can be Elite on a permanent product and only Preferred on term. Decide which you're quoting before you quote it, and never promise a term price using a permanent class.

十一、不可保红线11. Uninsurable

医疗（22 项）

Medical (22)

腹主动脉瘤（现有或六个月内手术）｜近两年酒精治疗｜ALS｜阿兹海默｜ 任何类型癌症治疗中｜肝硬化｜囊性纤维化｜痴呆｜唐氏｜近六个月诊断的癫痫｜ 近六个月的胃旁路手术｜近六个月的心脏病发作或手术｜需植入除颤器｜ 近 12 个月的心脏瓣膜手术｜近三年非法药物使用｜需透析的肾衰竭｜严重肺病或需氧｜ 近 12 个月需住院的精神疾病｜器官移植等待或受体｜现有或既往有并发症的妊娠｜ 近一年自杀未遂或两年内多次｜待手术

Abdominal aortic aneurysm, current or operated within six months · alcohol treatment within two years · ALS · Alzheimer's · any cancer currently in treatment · cirrhosis · cystic fibrosis · dementia · Down syndrome · epilepsy diagnosed within six months · gastric bypass within six months · heart attack or cardiac surgery within six months · defibrillator required · heart valve surgery within 12 months · illegal drug use within three years · kidney failure requiring dialysis · severe lung disease or oxygen dependence · mental health requiring hospitalisation within 12 months · organ transplant, waiting or recipient · pregnancy with current or prior complications · suicide attempt within a year or multiple within two · surgery pending

非医疗

Non-medical

Chapter 7 破产未 discharged｜驾照当前吊销或撤销｜ 近一年内单次 DUI｜近五年多次 DUI｜刑事在审｜ 当前缓刑或假释、或结束不满 12 个月｜多次定罪、最近一次不满七年｜暴力犯罪｜ IOLI／STOLI／CHOLI｜正在领取 SSDI 或 DI

Undischarged Chapter 7 · a currently suspended or revoked licence · a single DUI within the past year · multiple DUIs within five years · pending criminal charges · current probation or parole, or ended less than 12 months ago · multiple convictions with the last under seven years ago · violent criminal activity · IOLI, STOLI, CHOLI · currently receiving SSDI or DI

非医疗那一列最容易被漏，因为客户自己不觉得那算事。 「就一次 DUI，去年的事」「我领 SSDI 但还能工作」，这两句话背后都可能是直接拒保（一年内单次 DUI、五年内多次 DUI、正在领 SSDI 或 DI，都在不可保清单上）。 见面时先问五个问题：驾照状态？破产记录？犯罪记录？有没有领 SSDI 或 DI？ 这张保单将来会不会卖给投资人？ 五个问题一分钟，能省掉一整个白做的案子。

The non-medical column is the one that gets missed, because clients don't think of it as relevant. "It was just one DUI, last year" and "I'm on SSDI but I can still work" can each be an outright decline (a single DUI within the past year, multiple DUIs within five years, and currently receiving SSDI or DI are all on the uninsurable list). Ask five questions early: What's your licence status? Any bankruptcy? Any criminal record? Are you receiving SSDI or DI? Will this policy ever be sold to an investor? One minute of questions saves an entire wasted case.

再提醒一次：60 岁及以上、过去 24 个月没有常规就医和体检的，也是直接拒。

And once more: an applicant aged 60 or over without routine care and a physical in the past 24 months is also declined.

不在红线里的病况：先查「可能的最好结果」Conditions outside the red lines: check the potential best offer

指南第 36 到 38 页列了约 90 种病况，逐一写出在最理想情况下（充分评估、控制最好、没有并发症） 「可能的最好结果」：优于 Standard、Standard，或次标准。几条常被低估的，括号里先写指南给的可能最好结果： 1 型糖尿病（次标准；看年龄和病程，稳定、无并发症）｜2 型糖尿病（Standard；条件同上）｜ 已缓解、不在治疗中的癌症（Standard；看病理）｜ HIV（次标准；18 岁以上，CD4 稳定两年、病毒载量测不到、没有肝炎或 AIDS）｜轻度冠心病（次标准）｜ 单次中风、完全恢复超过六个月（次标准）｜黑色素瘤（Standard；单发、≤ 1A 期、切除超过两年）｜ 酒精使用障碍（Standard；完全戒断五年以上）｜药物滥用（Standard；完全戒断六年以上）｜ 起搏器（次标准；植入三个月以上）。多种病况并存时，结果可能不同。

Pages 36 to 38 of the guide list about 90 conditions, each with its potential best offer when fully evaluated, optimally controlled and free of complications: better than Standard, Standard, or substandard. A few that get underestimated, with the guide's potential best offer first: type 1 diabetes (substandard; by age and duration, stable, no complications) · type 2 diabetes (Standard; same conditions) · cancer in remission and out of treatment (Standard; by pathology) · HIV (substandard; over 18, CD4 stable for two years, undetectable viral load, no hepatitis or AIDS) · mild coronary artery disease (substandard) · a single stroke fully recovered over six months ago (substandard) · melanoma (Standard; single, stage 1A or better, excised over two years ago) · alcohol use disorder (Standard; abstinent over five years) · drug abuse (Standard; abstinent over six years) · a pacemaker (substandard; implanted over three months ago). Multiple conditions can change the outcome.

这张表只是参考，不是报价。客户有这些情况，先用 XRAE 跑一遍；XRAE 给不出结果的， 在 XRAE 里点 Messaging 请核保员看。多种病况并存，或有表里没列的严重病况，直接找核保团队要 tentative quote。

The list is a courtesy, not a quote. Run these clients through XRAE first; if XRAE can't assess, use its Messaging link to ask an underwriter. For multiple conditions, or a serious condition not on the list, contact the underwriting team for a tentative quote.

十二、XRAE 与 Informal12. XRAE and informal inquiries

XRAE

XRAE

Express Risk Assessment Exchange，客户情况复杂时用它先报价再交单。 必填六项：agent 姓名、客户姓名、性别、出生日期、面额、产品类型。 输入病史后系统会逐条追问，提供越多评估越完整， 最后给出即时报价或「需核保复审」（后者点 Messaging，核保员一个工作日内处理）。

The Express Risk Assessment Exchange lets you quote before you submit when a client is complicated. Six required fields: agent name, client name, sex, date of birth, face amount, product type. It asks reflexive follow-ups on each condition, and the more you give the better the assessment, ending in either an instant quote or "requires underwriting review"; for the latter, Messaging is handled within one business day.

限制：报价都是 tentative、non-binding、可改； 不能用于 RapidProtect； 不要把 quote 附在 eApp 上（除非核保员指示）；受公司自留额限制。

Limits: quotes are tentative, non-binding, and subject to change; not usable for RapidProtect; don't attach the quote to the eApp unless the underwriter asks; and it's bounded by retention limits.

Informal 试探性申请 inquiry

仅限永久型产品，最低面额 $2,000,000，最大年龄 75， 5 个工作日出结果，tentative offer 90 天有效。 必交：表 1386、表 8164（HIPAA 授权）、客户基本信息、agent 与 agency code、 摘要页（产品、面额、目标费率、病史）、财务文件。提交到 LargeCase@NationalLife.com。

Permanent products only, a $2,000,000 minimum face, maximum age 75, five business days to a result, and a tentative offer valid 90 days. Required: Form 1386, Form 8164 (HIPAA authorization), client details, agent and agency codes, a summary page covering product, face, target class and history, and financials. Submit to LargeCase@NationalLife.com.

三条禁忌：不要订体检（informal 阶段不许做）、 不要收客户的钱（还没出单）、 不要交曾被 decline 过的案子。 另外两个指标：informal 应占总提交业务的 5% 以内， 转正式的比例为 50%。 交太多或转化太低，说明你在用 informal 替代该做的功课。

Three prohibitions: don't order an exam (not permitted at this stage), don't take the client's money (nothing is issued), and don't submit a case that has already been declined. Two benchmarks: informals should stay under 5% of submitted business with a 50% informal-to-formal conversion rate. Submitting too many, or converting too few, means informal is standing in for homework.

外国人与出单后变更Foreign nationals, and changes after issue

外国人不是自动次标准体。部分 Foreign National 可以拿到 best class。产品按美国人群定价，风险承受度按客户的居住国和在美居住的永久性来衡量。 具体规则见单独的 Foreign National Guidelines。 没有州居住身份的外国人不适用 nexus 规则；有州居住的仍然适用。复杂案件先问 Sales Desk。

A foreign national is not automatically substandard. Some foreign nationals may qualify for best class. Products are priced for the US population; risk tolerance is measured by the client's country of residence and the permanency of their US residence. The detailed rules are in the separate Foreign National Guidelines. A foreign national with no state residence falls outside the nexus rules; one with state residence does not. Take complex cases to the Sales Desk first.

120 天是分界线：签字后 120 天以内的合同变更走 Rewrite（Rewrites@NationalLife.com）；超过120 天走 After-Issue Contract Change（ContractChange@NationalLife.com 或传真 802-229-3131），由 Contract Change–Inforce 客服处理。 后者有三种专用表格：Policy Change Application（只用于合同变更）、Term Conversion Application， 以及变更或转换需要核保时附加的 Policy Change / Term Conversion Supplement； 所有变更都要附表 8042（Customer Services Agency Transmittal）。

120 days is the dividing line. A contract change within 120 days of signing is a rewrite (Rewrites@NationalLife.com); beyond it, an after-issue contract change (ContractChange@NationalLife.com or fax 802-229-3131), handled by Contract Change–Inforce customer service. Three forms belong to the latter: the Policy Change Application (contract changes only), the Term Conversion Application, and the Policy Change / Term Conversion Supplement whenever the change requires underwriting; every change goes with Form 8042, the Customer Services Agency Transmittal.

不知道怎么办的时候找谁Who to call when you're stuck

Sales Desk：800-906-3310 / NLGSalesDesk@NationalLife.com， 一切问题的入口。另有 Advanced Sales 团队专门服务高净值个人、企业主、慈善与非营利机构， 提供案件咨询、point-of-sale 支持、案件设计，以及 CPA 与律师顾问网络。 他们能协助的项目包括这十二类：小企业主规划、非合格员工福利计划、递延薪酬、高管奖金、 Split Dollar、合格计划、基础与进阶遗产规划、Legacy IRA 策略、外国人规划、 MultiLife 保证签发（Guaranteed Issue）计划、保费融资、特殊需求规划。

Sales Desk: 800-906-3310 / NLGSalesDesk@NationalLife.com is the way in for everything. There is also an Advanced Sales team for high-net-worth individuals, business owners, and nonprofits, offering case consultation, point-of-sale support, case design, and a network of CPA and attorney advisers. Programs they can help with include these twelve: small business planning, nonqualified employee benefit plans, deferred compensation, executive bonus plans, split dollar, qualified plans, basic and advanced estate planning, legacy IRA strategy, planning for foreign nationals, MultiLife guaranteed issue, premium finance, and special needs planning.

最后一句：做好现场核保，是你和核保员合作的基础。 核保员不是在挑你的毛病，他和你要的是同一件事：这张单能签出去、能赔得出来、 而且两年以后不会被翻出来。

One last point: good field underwriting is the basis of the partnership. The underwriter isn't looking for your mistakes; they want the same thing you do: a case that issues, a claim that pays, and nothing that comes back in two years.

附：核保指南全文Appendix: the full underwriting guide

上面十二节是挑重点讲的。这里是 2026 年 1 月版《Life Insurance Underwriting Guide》 （TC8713998(0126)）全部 42 页的完整内容，按原文章节排列，一章一个折叠块， 点标题展开。每块左边标着它在原 PDF 里的页码，方便和原件对照。 中文是译文，切到 English 看到的是原文；两者有出入时以英文原文为准。

The twelve sections above pick out what matters. Below is the complete 42-page text of the January 2026 Life Insurance Underwriting Guide (TC8713998(0126)), in the original chapter order, one collapsible block per chapter. Each block shows its page number in the original PDF so you can check it against the source. The Chinese view is a translation; the English view is the original wording, and it governs where the two differ.

p. 1封面、目录与法律声明Cover, Table of Contents & Legal Notice

National Life Group®｜PFA Premier Financial Alliance

National Life Group®｜PFA Premier Financial Alliance

人寿保险核保指南Life Insurance Underwriting Guide

目录Table of Contents

章节Section页码Page
与 National Life Group 合作须知Doing Business with National Life Group2
高效处理小贴士Quick Tips for Efficient Processing3
保险基础知识Insurance Basics9
Nexus（签单州）Nexus10
可保利益（insurable interest）：Owner / BeneficiaryInsurable Interest — Owner/Beneficiary11
财务核保Financial Underwriting12
核保项目Underwriting Programs17
完整体检 / 财务核保Full Medical/Financial Underwriting17
加速核保产品（EZ Underwriting）Accelerated Underwriting Products (EZ Underwriting)18
简化核保产品（RapidProtect / RapidProtect NL）Simplified Underwriting Products (RapidProtect/RapidProtect NL)19
寿险核保要求Life Underwriting Requirements21
SummitLife/Advanced Markets IUL21
PeakLife NL/Advanced Markets IUL22
Living Life Defender IUL23
FlexLife NL24
TotalSecure, TotalSecureNL25
BasicSecure 与 BasicSecure NLBasicSecure and BasicSecure NL25
SurvivorLife 与 SurvivorLife NL SIULSurvivorLife and SurvivorLife NL SIUL26
Term LSW 与 Term NL LifeTerm LSW and Term NL Life27
核保费率等级说明Underwriting Rate Classes Explained28
加速核保 Elite / Preferred / Select 标准（永久型产品）Accelerated Elite/Preferred/Select Criteria (Permanent Products)29
完整核保 Elite / Preferred / Select 标准（永久型产品）Fully Underwritten Elite/Preferred/Select Criteria (Permanent Products)30
加速核保 Elite / Preferred / Select 标准（Term 产品）Accelerated Elite/Preferred/Select Criteria (Term Products)31
完整核保 Elite / Preferred / Select 标准（Term 产品）Fully Underwritten Elite/Preferred/Select Criteria (Term Products)32
身高体重表，16 岁及以上（永久型产品）Table of Height and Weight, Ages 16 and Older (Permanent Products)33
身高体重表，18 岁及以上（Term 产品）Table of Height and Weight, Ages 18 and Older (Term Products)34
不可承保及问题风险Uninsurable and Problematic Risks35
疾病状况与可能评级Medical Conditions & Potential Ratings36
高端销售（Advanced Sales）Advanced Sales39
核保预评（Underwriting Quotes）Underwriting Quotes40
Informal 申请（非正式投保）Informal Applications41
外籍人士（Foreign National）核保指引Foreign National Guidelines42
保单签发后的合同变更After-Issue Contract Changes42

产品承保方：
National Life Insurance Company®｜Life Insurance Company of the Southwest®

Products issued by
National Life Insurance Company® | Life Insurance Company of the Southwest®

National Life Group® 是 National Life Insurance Company（佛蒙特州 Montpelier）、Life Insurance Company of the Southwest（LSW，得克萨斯州 Addison）及其关联公司共同使用的商号。National Life Group 旗下每家公司各自对其自身的财务状况和合同义务承担全部责任。LSW 不是纽约州的授权保险公司，不在纽约州经营保险业务。PFA Financial and Insurance Services 的代理人是独立合约人，不是任何 National Life Group 实体的雇员。

National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest (LSW), Addison, TX, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in New York and does not conduct insurance business in New York. PFA Financial and Insurance Services’ agents are independent contractors and are not employees of any National Life Group entity.

统一邮寄地址：One National Life Drive, Montpelier, VT 05604｜800-906-3310｜www.NationalLife.com

Centralized Mailing Address: One National Life Drive, Montpelier, VT 05604 | 800-906-3310 | www.NationalLife.com

表格编号：TC8713998(0126)3｜目录编号：Cat No 104695(0126)

TC8713998(0126)3 | Cat No 104695(0126)

p. 2与 National Life Group 合作须知（联系方式）Doing Business with National Life Group

公司网站：www.NationalLife.comCompany Website: www.NationalLife.com

事项Purpose联系方式Contact
National Life Group 客服中心National Life Group Contact Center800-906-3310
National Life Group 技术支持（Help Desk）National Life Group Technical Help DeskHelpDesk@NationalLife.com | 877-654-3499
客户关系（Customer Relations）Customer Relations
事项Purpose联系方式Contact
人寿保险Life Insurance:LifeCustomerService@NationalLife.com
年金Annuities:Service@NationalLife.com
电话Phone:800-732-8939

联系 NLG 员工：邮箱格式为“名字首字母 + 姓氏@nationallife.com”。

Contacting an employee at NLG: initial of first name followed by last name@nationallife.com

销售支持Sales

事项Purpose联系方式Contact
寿险与年金 Sales Desk（销售支持台）Life & Annuity Sales Desk:NLGSalesDesk@NationalLife.com

代理人服务Agent Services

事项Purpose联系方式Contact
佣金（佣金及欠款查询）Compensation (commissions and debt inquiries):NLGCompensation@NationalLife.com
签约（签约状态、培训、AML 反洗钱、E&O 职业责任险、解约、服务代理人变更以及待补材料）Contracting (contracting status, training, AML, E&O, terminations, servicing agent changes, and outstanding requirements):Contracting@NationalLife.com
新 Fact Finder（客户情况调查表）、网站访问权限New Fact Finders, Web Access:NAgencyUpdates@NationalLife.com

账单与缴费Billing

事项Purpose联系方式Contact
自动扣款（EFT）申请及寿险账单一般问题Automatic Payments (EFT) Requests & General Life Billing Questions:EFTTeam@NationalLife.com
团体账单（Group Bill）问题与申请Group Bill Questions & Requests:GroupBill-Life@Nationallife.com
手动账单申请及具体寿险账单问题Manual Billing Requests & Specific Life Billing Questions:LifeBilling@Nationallife.com
寿险新契约（Life New Business）Life New Business
事项Purpose联系方式Contact
寿险递送保单时的表格（保单签收单、修订条款〔amendment〕和健康声明）Life Forms on Delivery (policy receipt, amendments, and statement of health):使用 Agent Portal（代理人门户）。Use Agent Portal.
新契约投保递交（New Business Submission）New Business Submission:通过 eApp 递交的投保单，使用 Agent Portal。纸质投保单，发邮件至：NBApplicationImages@NationalLife.comFor applications submitted through eApp, use the Agent Portal. For paper applications, email: NBApplicationImages@NationalLife.com
大额案件新契约递交（保额 $2,000,000 及 / 或 CTP 保费超过 $35,000）Large Case New Business Submission (Face amounts $2,000,000 and/or greater than $35,000 of CTP premium):LargeCase@NationalLife.com
待补材料（Outstanding Requirements：新契约部或核保部要求的体检、化验单、问卷和保单表格）Outstanding Requirements (exams, lab slips, questionnaires, and policy forms requested by new business or underwriting):通过 eApp 递交的投保单，使用 Agent Portal。纸质投保单，发邮件至：NBRequirementImages@NationalLife.comFor applications submitted through eApp, use the Agent Portal. For paper applications, email: NBRequirementImages@NationalLife.com
Rewrite（重写保单）Rewrites:Rewrites@NationalLife.com
Not Taken（客户拒收保单）Not Taken:Agent Portal 或 Disbursements@NationalLife.comAgent Portal or Disbursements@NationalLife.com

核保风险评估：XRAE 核保预评工具Underwriting Risk Assessments — XRAE Underwriting Quote Tool

（不适用于 RapidProtect）

(not for use with RapidProtect)

操作说明 PDF：Getting Started with the XRAE field Underwriting Tool（XRAE 现场核保工具入门）

Instructional PDF: Getting Started with the XRAE field Underwriting Tool

年金新契约与有效保单联系方式Annuity New Business & Inforce Contacts

事项Purpose联系方式Contact
年金递送合同时的表格Annuity Forms on Delivery:Imaging-New@NationalLife.com
年金有效保单客户服务Annuity Inforce Customer Service:AgentServices@NationalLife.com
年金账单申请与问题Annuity Billing Requests & Questions:InboundAnnuityPayment@NationalLife.com

年金新契约递交New Business Annuity Submission

（包括投保单和转移表格）：Imaging-New@NationalLife.com

(including applications and transfer forms) Imaging-New@NationalLife.com

统一邮寄地址Centralized Mailing Address

One National Life Drive, Montpelier, VT 05604

One National Life Drive, Montpelier, VT 05604

pp. 3–5高效处理小贴士Quick Tips for Efficient Processing

熟悉 National Life Group 的新契约与核保部门，必然有助于你在公司取得成功，也能帮助你为客户设定切合实际的预期。

Familiarizing yourself with National Life Group’s New Business and Underwriting Department will inevitably make you a success with the company and help set realistic expectations with your client.

为你提供一流的服务，是我们的首要任务，也是我们对你的承诺。为此，我们编写了这份全面的现场核保指南。无论你是第一次递交投保单，还是经验丰富的代理人，都能提前了解你和客户可以预期什么。我们相信，使用这份指南能帮你更快完成出单，拿下你辛苦争取来的生意。

Our top priority and promise to you are to provide first-class service. With this in mind, we have developed this comprehensive field underwriting guide. Whether it is your first time sending an application or you are a seasoned agent, you will know ahead of time what you and your client can expect. We believe using this guide will help you get your business through faster and close the sale you worked so hard to earn!

良好的现场核保是我们合作的关键。周全的现场核保做法有助于设定预期，让流程更高效。

Good field underwriting is essential to our partnership. Thorough field underwriting practices help to set expectations and make the process more efficient.

  • 填写投保单之前，确保客户已备齐所有信息（例如社会安全号码、地址、用药信息、驾照、护照信息、医生姓名及联系方式、最近一次看医生的日期等）。
  • 投保单上提供的信息对寿险承保的审核至关重要。你的回答必须完整、准确，才能为客户争取到尽可能好的保障。
  • Make sure your client gathers all information before the application is taken (i.e., Social Security numbers, addresses, medication information, driver's license, passport information, physician's name and contact information, date of last physician's visit, etc.).
  • The information provided on the application is critical for consideration of life insurance coverage. Your responses must be complete and accurate to ensure the best coverage possible.

递交投保单Submitting an Application

我们致力于帮助你提升效率。作为迈向直通式处理（Straight through Processing）的一部分，我们通过 iPipeline 提供 eApp（电子投保）。eApp 是一个动态界面，会逐一提出客户需要回答的问题，并在录入的回答可能有误时提醒代理人。由于界面会引导代理人完成所有必答问题，代理人不必再自行判断某个问题是否适用。eApp 支持以 Good Order（资料齐全无误）的状态递交投保单，并与我们的新契约平台对接。投保单一经递交，系统就会发给你一个保单号。

We are focused on helping you improve productivity. As part of our journey to Straight through Processing, we have eApp available through iPipeline. eApp is a dynamic interface that poses the questions the client needs to answer and alerts the agent to potential errors in the responses captured. Since the interface will guide agents through all the required questions, agents will no longer have to decide if a question is appropriate. eApp supports the submission of applications in Good Order. eApp integrates with our new business platform. Once you submit the application, the interface will send you a policy number.

其他递交投保单的方式Other Ways to Submit an Application
  • 通过 eApp 完成的投保单，应使用 Agent Portal 上的安全上传功能
  • 只有纸质投保单可以通过以下方式递交：
    • 电子邮件：NBApplicationImages@NationalLife.com
    • 美国邮政：National Life Group
      Attention: New Business Department M300,
      One National Life Drive
      Montpelier, VT 05604
  • Applications via eApp should use the secure upload on the Agent Portal
  • Paper applications only can be submitted by:
    • Email: NBApplicationImages@NationalLife.com
    • U.S. Mail: National Life Group
      Attention: New Business Department M300,
      One National Life Drive
      Montpelier, VT 05604

选择 eApp 以外的方式递交投保单，可能因递交的州别文件有误、缺少表格、问题漏答等原因拖慢核保时间，这会显著影响案件通过新契约和核保所需的时间。

Choosing to submit an application using a method other than eApp can slow down the underwriting time due to inaccurate state paperwork being submitted, missing forms, and missing answers to questions. This could significantly impact the time it takes a file to get through new business and underwriting.

填写投保单Completing an Application

  • 代理人应与被保险人一起填写投保单（当面或线上视频）。
  • 代理人应能流利使用客户的母语。代理人不得借助口译员来填写投保单。
  • 投保单上的每一个问题都要问到。寿险保单是具有法律约束力的合同。我们将信守承诺，根据客户的需求为其提供最佳方案。投保单上的每个问题都有其用意，它帮助核保员（underwriter）进行恰当的风险评估，并根据现有信息为客户给出最好的承保条件。请在投保过程中收集客户财务和医疗病史的全部信息，以确保评估准确。
  • Agents should complete applications with the proposed insured (face to face or virtually).
  • Agents should be fluent in their clients' native language. Agents should not use an interpreter to complete an application.
  • Ask every question on the application. A life insurance policy is a legal and binding contract. We will uphold our promise to provide your client with the best possible solution based on their needs. The insurance application asks each question for a particular reason. It helps the underwriter to conduct a proper risk assessment and provides your client with the best offer with the information in hand. Please collect all information regarding your client's financial and medical history during the application process to ensure this assessment is accurate.
你知道吗？Did you know?

如果客户没有在投保时如实提供准确的财务和医疗病史，而事后被认定构成重大不实陈述（material misrepresentation），即使保单已获批并签发，也可能面临被撤销（rescission）的风险。

If a client does not provide their accurate financial and medical history upfront and it is later discovered to be material misrepresentation, the client could risk having their policy rescinded if approved and issued.

投保单上常被漏答的必答问题Required Questions Commonly Missed on an Application
  • 被保险人是否曾在其他公司申请过寿险或失能保险？
  • 客户是否会替换任何有效的寿险保障？被保险人目前是否有任何有效的寿险保障？是否有任何现有保障将被替换？
  • 被保险人是否曾被判轻罪（包括但不限于 DUI 酒驾或扰乱治安行为）？
  • 私人医生的姓名和地址，或客户最近一次就诊的诊所名称及就诊结果。*
  • Has the insured applied for life or disability insurance elsewhere?
  • Will the client replace any life insurance coverage inforce? Does the insured have any inforce life insurance coverage? Will any existing coverage be replaced?
  • Has the insured been convicted of a misdemeanor (including but not limited to DUI or disorderly conduct)?
  • Name and address of personal physician or name of clinic client last visited and outcome of the visit.*

NLG 要求 60 岁及以上的成年人在过去 24 个月内有常规医疗保健记录和体检，否则 NLG 将不得不拒绝该案件。

NLG requires adults ages 60 and over to have routine health care and a physical within the last 24 months. Otherwise, NLG will need to reject the file.

  • 目前每一种处方药的名称和用途。*
  • 既往及现有疾病、确诊日期以及所接受的治疗。*
  • 即将进行的就诊、医疗程序和复诊。*
  • Name and purpose of each current prescription medication.*
  • Past and present medical conditions, date diagnosed, and treatment received.*
  • Upcoming medical appointments, procedures, and follow-ups.*

在核保过程中提前多花些必要的时间与客户沟通，你会发现出单周期明显缩短。

By taking the extra necessary time with your client up-front during the underwriting process, you will experience faster turnaround times!

你知道吗？Did you know?

提供客户既往和现在的病史，连同确诊日期、所需治疗以及病情控制情况，最多可将核保流程缩短五（5）个工作日。

By providing the client's past and current medical history, along with the date the condition was diagnosed, the treatment required, and the control of the condition, you can speed up the underwriting process by up to five (5) business days.

* 投保单上的健康问题必须填写。

* The health questions on the application must be completed.

进度查询Status Inquiries

在 www.NationalLife.com 上，你可以通过代理人门户的 Book of Business 查看所有待处理案件的状态：New Business >> Pending New Business Outstanding Requirements。

At www.NationalLife.com, you can check the status of all your pending business by following up on your cases through your agent portal under Book of Business: New Business >> Pending New Business Outstanding Requirements.

使用 Agent Portal 可以查看案件的当前状态。代理人门户会显示哪些材料尚待补交（如有）。

Using the Agent Portal grants you access to the current status of your case. The agent web portal will display which requirements are outstanding, if any.

你知道吗？Did you know?

Agent Portal 会告诉你是否需要你采取行动，以及新契约部和核保部可能还需要你补交哪些材料。

The Agent Portal will tell you if action is required on your part and what outstanding items New Business and Underwriting may need from you.

待补材料递交方式Where to Send Outstanding Requirements

代理人应通过 Agent Portal 递交任何问卷、体检、APS（主治医生报告）、说明信、财务文件、EFT、1035 以及替换或 Rewrite 表格。

Agents should submit any questionnaires, exams, attending physician statements, cover letters, financial documents, EFT, 1035,and replacement or rewrite forms by using the Agent Portal.

你知道吗？Did you know?

材料一到，就会自动挂到案件档案中，并加盖收件日期戳。这样可以减少差错，让材料得到及时处理。

As requirements come in, they are attached to the file automatically as they are received and date stamped. This reduces mistakes and allows for timely processing of the requirements.

需要就你的案件联系新契约部或核保部？Need to Speak with Someone in New Business or Underwriting Regarding Your File?

我们很乐意听到你的声音，也很喜欢和你交流。但也请理解，我们正忙于审核、批准和签发你的案件。如果你的案件经理或核保员没能接听电话，请留言，他们会在一（1）个工作日内回电。

We want to hear from you and love talking to you. Please know, however, we are busy trying to review, approve, and issue your business! If your case manager or underwriter cannot pick up the phone, please leave a message. They will return your phone call within one (1) business day.

想减少与总公司之间的往来邮件？Want to Reduce the Number of Emails Between You and the Home Office?

请仔细阅读总公司发给你的所有信息。请用一封邮件完整回答所有问题，这样处理效率最高，避免一次只回答一个问题。另外，请记得提供完整的细节。

Please read all communication sent from the home office to you. Please answer each question(s) in its entirety with one email for the most efficient processing. Avoid answering one question at a time. Also, please remember to provide full details!

利益演示（Illustrations）Illustrations

如需协助制作利益演示，请联系 Sales Desk：NLGSalesDesk@NationalLife.com。

Contact the Sales Desk for assistance with running illustrations at NLGSalesDesk@NationalLife.com.

已采纳 NAIC Illustration Regulation（NAIC 利益演示法规）的州，要求随投保单一并提交已签字的利益演示或有效的销售证明（sales certification）。如果某州尚未采纳 NAIC Model Regulation（示范法规），且当地法规不要求签字的利益演示，代理人则无需提交上述材料。代理人有责任熟悉本州的相关法规。

States that have adopted the NAIC Illustration Regulation require a signed illustration or valid sales certification along with the application. Agents do not need to submit these requirements if a state hasn’t adopted the NAIC Model Regulation and the regulations do not require a signed illustration. Agents are required to familiarize themselves with their state’s regulations.

TotalSecure 的投保单也要求随附利益演示一并提交。

TotalSecure applications also require an illustration to be submitted with the application.

保单递送Policy Delivery

代理人收到保单后，除非另有指示，应尽快当面递交给保单持有人（owner）。保单会附带一份保单递送单（policy transmittal），列明完成销售所需的全部递送要求和签收文件。可通过以下方式交回所需材料：

Once the agent receives the policy, unless otherwise directed, they should deliver it to the policy owner in person as soon as possible. A policy transmittal accompanies the policy, which outlines all delivery requirements and receipts needed to complete the sale. Return the requirements by:

  • 上传至 Agent Portal
  • 使用纸质保单中附带的回邮信封
  • 发邮件至：FormsOnDelivery@NationalLife.com
  • Uploading them to the Agent Portal
  • Using the self-addressed envelope enclosed with the printed policy
  • Emailing them to: FormsOnDelivery@NationalLife.com

可争议期审查与保单撤销Contestable Reviews & Rescissions

保单在被保险人生存期间自签发日起有效满两（2）年后，一般即成为不可争议。在此之前，即保单的可争议期（contestable period）内，公司保留进行可争议期审查或调查的权利。审查可能包括获取有关被保险人和 / 或保单持有人的更多医疗和 / 或财务信息。

Policies generally become incontestable once they have been in force during the lifetime of the insured for a period of two (2) years from the issue date of a policy. Prior to that time, during a policy’s contestable period, the Company reserves the right to perform a contestable review or investigation. This review may include obtaining additional medical and/or financial information regarding the insured and/or policy owner.

如果认定投保单中存在重大不实陈述，保单可能被撤销。根据适用的州法律法规，保单及所有附加的 rider 均视为自始无效，所交保费全部退还，佣金予以追回。何为重大不实陈述由州法律规定，但一般是指投保时遗漏或未提供某些信息，而这些信息如果当时已知，就会改变当时作出的核保决定。

If it is determined that a material misrepresentation was made in the application for the policy, the policy may be rescinded. The policy and all attached riders are deemed null and void, according to applicable state laws and regulations, all premiums are refunded, and commissions are reversed. What constitutes a material misrepresentation is governed by state law, but it generally means that information was omitted or not presented at the time of application which would have changed the underwriting decision made at the time.

可能触发可争议期审查的情形举例：

Examples of circumstances that may trigger a contestable review include:

  • 签发后收到的第三方信息
  • 签发后提出的、需要新的核保证据的申请
  • 在 2 年可争议期内发生的理赔
  • Third party information received after issue
  • After issue requests that require new underwriting evidence
  • Claims that occur during the 2-year contestable period

代理人佣金与签约Agent Commissions and Contracting

  • LSW 和 National Life 的佣金每周结算一次。寿险佣金截止时间表请见网站 www.NationalLife.com。
  • 请注意，宾夕法尼亚州要求我们在你招揽业务之前，先为你办理该州的委任（appointment）。
  • LSW and National Life commissions are generated weekly. Please see the website www.NationalLife.com for a Life commission cutoff schedule.
  • Please note that Pennsylvania requires us to appoint you in their state before solicitation.

有关佣金、签约、网站或表格的事项，请访问 Agent Portal 或 NLG Mobile App。

Visit the Agent Portal or the NLG Mobile App for commission, contracting, website, or forms-related items.

pp. 6–8体检要求与检测流程Medical Testing: Requirements, Vendors & Protocol

何时需要体检When Medical Testing is Required

根据产品、投保年龄、保额和病史，保单可能要求完整的检测（paramedical exam 辅助医疗体检〔ME〕、血液样本、尿液样本和心电图〔EKG〕）。体检报告会成为保单的一部分，并可在可争议期审查中使用。除非另有说明，需要体检和化验时由 NLG 负责安排。

Depending on the product, issue age, face amount, and medical history, the policy may require complete testing (paramedical exam, blood specimen, urinalysis specimen, and electrocardiograms). The medical exam is made part of the policy and can be used during a contestable review. Unless otherwise noted, NLG will order exams and labs when they are required.

如果某项检测不属于按年龄和保额规定的必检项目，代理人未经总公司核保员授权不应自行安排体检，否则产生的费用可能由代理人承担。

An agent should not order medical testing without authorization from a home office underwriter if it is not an age and amount requirement. Doing so could result in the agent being charged for the expense incurred.

在申请人填写完投保单，并签署授权书、HIPAA 授权和 HIV 检测同意书之前，不应安排检测。让客户提前完成检测违反州保险法规，合同签署所在州可对保险公司处以高额罚款，这可能最终以保费上涨的形式转嫁给客户，带来额外开支。如果在客户未签署上述任何文件的情况下就安排了检测，请注意，对于我们并未明确要求的检测，相关费用可能由你承担。

Testing should not be ordered until the applicant has completed an application, and has signed the authorization, HIPAA, and HIV consent form. Having the client complete the testing ahead of time is against state insurance regulations. The state in which the contract is signed in can impose significant fines to the insurer. This could result in extra expense being charged to your client in the form of premium increases. If the testing is ordered without the client signing any of the above, please know you may be liable for the charges incurred that we did not specifically ask for.

需要做辅助医疗体检时，请向客户说明流程，帮助其建立合理预期。

When a paramedical exam is required, please guide your client about the process and help to set realistic expectations.

体检员必须能流利使用客户的语言，否则体检公司必须提供口译员。体检员不得让家庭成员或任何保单受益人充当翻译。

The medical examiner must be fluent in the client’s language, or the paramedical company must provide an interpreter. Examiners cannot use a family member or anyone benefiting from the policy as a translator.

客户应做到：

The client should do the following:

  • 携带带照片的身份证件，例如驾照
  • 空腹至少 12 小时
  • 体检前至少 12 小时避免剧烈运动
  • 携带所有用药清单
  • Bring a photo ID such as a driver’s license
  • Fast for at least 12 hours
  • Avoid strenuous exercise for at least 12 hours prior to the exam
  • Bring a list of all medications

指定体检服务商（Approved Paramed Vendors）Approved Paramed Vendors

根据产品、投保年龄、费率等级、保额和病史，核保部可能要求完整的检测。请查阅本指南中的“寿险核保要求”。除非另有说明，需要体检和化验时由 National Life / LSW 负责安排。如总公司指示代理人自行安排体检和 / 或化验，代理人必须使用以下公司之一，联系时请注明是 LSW / National Life 的案件：

Depending on the product, issue age, rate class, face amount, and medical history, Underwriting may require complete testing. Please review the Life Underwriting Requirements in this guide. Unless otherwise noted, National Life/LSW will order exams and labs when they are required. If instructed by the Home Office to order an exam and/or labs, agents must use one of the following companies; reference LSW/National Life when making contact:

服务商Vendor网站Website电话Phone
APPS-Portamedicwww.appslive.com800-727-2101
Exam Onewww.examone.com877-933-9261

如果客户需要翻译，请务必在代理人报告（Agent's Report）中注明。

If a translator is needed for your client, make sure to indicate it on the Agent's Report.

有时，由于申请的保额或客户的病史，可能需要调取被保险人主治医生处的病历。National Life Group 通过 Parameds.com 调取这些病历：www.parameds.com｜800-872-3674

Occasionally, medical records from the proposed insured's physician may be needed due to the face amount applied for or because of the client's medical history. National Life Group uses Parameds.com to retrieve those records. www.parameds.com | 800-872-3674

APS（主治医生报告）篇幅可从 10 页到 2,000 页不等。核保部自收到病历之日起，最多需要 5 个工作日审阅，请预留时间。

Attending Physician Statements can range from 10–2,000 pages. Please allow up to 5 business days from the date records are received for underwriting to review.

化验服务Laboratory Testing Services

Clinical Reference Lab 是血液检查和尿检的指定化验机构。使用我们的指定化验室有助于确保检测结果及时传送。凡需验血，都必须同时做尿检。更多信息请参阅本指南中各产品的要求表。在有要求的州，所有需要化验的被保险人都必须提交 HIV 检测同意书，填写这些表格是代理人的责任。

Clinical Reference Lab is the approved testing service for blood profiles and urinalyses. Use of our approved lab helps ensure the timely transmission of test results. A urinalysis is required whenever blood testing is needed. Please refer to the product-specific charts in this guide for additional information. HIV consent forms must be submitted in those states where required for all proposed insureds that require laboratory testing. Completion of these forms is the agent’s responsibility.

你知道吗，Agent Portal 可以提供核保指导（Underwriting Guidance）？

Did you know that the Agent Portal can provide Underwriting Guidance?

点击链接即可进入 Underwriting Guidance。

Click on the link to navigate to Underwriting Guidance.

体检规程Medical Testing Protocol

体检安排Medical Testing Orders

在被保险人填写并签署 NL 或 LSW 投保表格（包括授权书和相应的 HIPAA 表格）之前，National Life Group 不授权安排或进行任何体检，例如辅助医疗体检或化验（血液 / 尿液）。

National Life Group does not authorize ordering or completing medical testing, such as paramedical exam or laboratory tests (blood/urine), until after the proposed insured has completed and signed NL or LSW application forms, including an authorization and appropriate HIPAA form.

部分产品在初始阶段可能不要求常规体检，详情请参阅各产品的要求表。除非另有说明，需要体检和化验时由 National Life / LSW 负责安排。我们保留因特定原因（如糖尿病、病态肥胖等）要求体检的权利。只要 NL / LSW 的保额超过免体检（non-fluid）最高保额，National Life Group 就会要求做与年龄相应的体检。

Certain products may not require initial routine medical testing. Please refer to the product-specific charts for more information. Unless otherwise noted, National Life/LSW will order exams and labs when they are required. We reserve the right to request medical testing for cause (such as diabetes, morbid obesity, etc.) National Life Group will request age- appropriate medicals anytime the amount of the NL/LSW exceeds the maximum non-fluid coverage amount.

客户在 National Life 已有的保障会影响所需的核保材料，请与你的核保员确认。

Existing coverage with National Life will impact the needed requirements. Please consult with your underwriter.

体检结果的发送Release of Medical Testing

需要体检时，我们的标准流程是由辅助医疗体检服务商将体检报告、EKG、高龄评估（senior assessment）和化验单连同样本一起送交化验室，以便及时处理。检测结果由总公司接收，签发的任何保单都会附上一份辅助医疗体检报告。

Our standard protocol is for the paramedical service providers to send the exam, EKG, senior assessment, and lab slip along with the specimens to the lab for timely processing when medical testing is required. The Home Office will receive testing results, and any policy issued will include a copy of the paramedical exam.

申请将化验结果发给客户Requests for Lab Results to be Sent to a Client

化验结果可通过以下两种方式之一获取：

Lab results can be received in one of two ways:

  • 体检员会提供一张单据，上面有直接向化验室查询结果所需的信息和代码。
  • 向总公司提交由客户签字的 Form 7935 Release for Medical Information（医疗信息披露授权）。总公司收到后五（5）个工作日内，会通过美国邮政将化验结果寄到客户的登记地址。
  • The Paramed Examiner will provide a slip with information and code to retrieve it directly from the lab.
  • Submit a Form 7935 Release for Medical Information signed by the client to the Home Office. Lab results will be sent via U.S. Postal Service to the client’s address on record within five (5) business days of receipt of the information.

其他公司完成的体检Medical Testing Completed by Other Companies

如能向我们提供副本，对于 69 岁（含）以下在过去 12 个月内、70 岁及以上在过去六个月内由其他保险公司完成的辅助医疗体检、EKG 和 / 或化验结果，我们会考虑采用。对于较高年龄、较大保额，或由核保员酌情决定时，我们保留要求重新检测的权利。

We will consider using another carrier's paramedical exam, EKG, and/or lab results completed within the last 12 months through age 69, and within the last six months for ages 70 and above, if copies are made available to us. We reserve the right to request current testing at older ages, for large face amounts, and at the underwriter’s discretion.

p. 8APS（主治医生报告）与驾驶记录Attending Physician Statement (APS) & Motor Vehicle Report

APS（主治医生报告）Attending Physician Statement (APS)

为完成核保，核保员可能要求提供 APS（客户病历副本）。调取这些病历可能需要 2–6 周，视医生而定。投保单应完整填写私人医生以及所有其他就诊过的医生和专科医生的信息（全名、地址、电话号码）。

An APS (copy of the client’s medical records) may be required by the underwriter in order to complete the underwriting process. Obtaining these records can take 2–6 weeks, depending on the physician. The application should include the complete information (full name, address, phone number) for the personal physician as well as for all other physicians and specialists seen.

除非另有说明，病历由总公司通过 Parameds.com 调取。

The Home Office will order medical records, unless otherwise noted, through Parameds.com.

APS 指引Attending Physician Statement (APS) Guidelines

除非核保员在初步审阅投保单后提出要求，否则不应调取病历。由于小额保单调取多份 APS 的成本可能过高，所有投保单在递交时都应完整回答全部健康问题，并尽可能提供详细情况。对于有复杂健康问题的潜在客户，在填写投保单之前，你也应查阅本指南中的“不可承保及问题风险”列表。

Medical records should not be ordered unless requested by the underwriter after initial review of the application. Because it can be cost prohibitive to order multiple APSs on smaller face amounts, all applications should be submitted with all medical questions answered completely and details provided whenever possible. You should also consult the listing of Uninsurable & Problematic Risks in this guide before completing an application on a prospective client with complex medical issues.

核保员会尽一切努力，利用投保单、健康问卷、处方数据库及其他工具评估风险，同时综合考虑所申请的保险总额。

The underwriter will make every effort to use the application, medical questionnaires, prescription database, and other tools to assess the risk while considering the total amount of the insurance applied for.

常规 APS 指引Routine (APS) Guidelines

年龄Age保额Face amount
0–17 岁Ages 0–17$1,000,001 及以上$1,000,001 and up
18–40 岁Ages 18–40$5,000,001 及以上$5,000,001 and up
41–60 岁Ages 41–60$2,000,001 及以上$2,000,001 and up
61–69 岁Ages 61–69$1,000,001 及以上$1,000,001 and up
70 岁及以上Ages 70 & up所有保额All face amounts

某些疾病无论保额多少都可能需要 APS，包括但不限于：

Certain medical impairments may require an APS regardless of face amount. These may include, but are not limited to:

  • 酗酒 / 药物滥用和 / 或相关治疗
  • 心血管疾病或冠状动脉疾病
  • 癌症
  • 使用胰岛素治疗的糖尿病 / 伴有吸烟的糖尿病
  • 肺气肿、COPD（慢性阻塞性肺病）、慢性支气管炎
  • 心脏杂音
  • 肝炎
  • 肾脏疾病
  • 红斑狼疮
  • 需要多种药物或精神类药物治疗的精神障碍
  • 多发性硬化症
  • 外周血管疾病
  • 中风、TIA（短暂性脑缺血发作）、CVA（脑血管意外）、脑出血
  • 溃疡性结肠炎 / 克罗恩病
  • 阿片类 / 麻醉类 / 慢性疼痛药物
  • 服刑记录
  • PTSD（创伤后应激障碍）
  • 多种慢性疾病
  • 过去 6 个月内曾去急诊或住院
  • Alcohol/Drug Abuse and/or treatment
  • Cardiovascular or Coronary Artery Disease
  • Cancer
  • Diabetes treated by insulin/with tobacco use
  • Emphysema, COPD, Chronic Bronchitis
  • Heart Murmur
  • Hepatitis
  • Kidney/Renal Disease
  • Lupus
  • Mental Disorders requiring multiple or psychotropic medications
  • Multiple Sclerosis
  • Peripheral Vascular Disease
  • Stroke, TIA, CVA, Cerebral Hemorrhage
  • Ulcerative Colitis/Crohn’s Disease
  • Opioid/Narcotic/Chronic Pain Medication
  • History of incarceration
  • PTSD
  • Multiple chronic medical conditions
  • Emergency room visit or hospitalization in the last 6 months

核保员也可能因第三方信息、化验结果异常等原因，或基于较高年龄和 / 或保额，酌情要求调取病历。

Requests for medical records may also be at the underwriter’s discretion due to third party information, abnormal lab findings, etc., or based on older ages and/or face amounts.

驾驶记录报告（Motor Vehicle Report）Motor Vehicle Report

（由总公司调取）

(Ordered by Home Office)

所有 16 岁及以上的申请人，无论保额多少，都会调取驾驶记录报告。

Motor Vehicle Reports are ordered on all applicants ages 16 and up, all face amounts.

p. 9保险基础知识Insurance Basics

人寿保险投保书The Life Insurance Application

人寿保险投保书一经所有相关方签署生效，即成为申请人、Owner（保单持有人）与保险公司之间具有法律约束力的文件。只要申请人如实回答了投保书上的所有问题，并且完成了全部核保要求，保险公司就同意在被保险人发生意外时支付理赔。因此，填写投保书时务必认真仔细。如果没有花时间确保保险公司掌握被保险人最相关的信息，申请在核保流程中就会被延误，并会导致不太理想的定价，甚至可能因重大不实陈述（material misrepresentation）而导致被保险人的保单被撤销（rescinded）。

Once executed and signed by all parties involved, life insurance applications are a legal and binding document between the applicant, the owner, and the company. The insurance company agrees to pay for the claim if something were to happen to the proposed insured, provided the applicant answered all questions on the application truthfully and all underwriting requirements are completed. Therefore, it’s important to take care when filling out the application. Not taking the time to ensure that the insurance company has the most relevant information about the insured will delay the application in the underwriting process, and will result in a less than favorable pricing, or could cause the insured’s policy to be rescinded due to material misrepresentation.

两年可争议期Two-Year Contestability Period

如果被保险人在保障生效后的头两年内身故，或在此期间提出理赔，保险公司有权对该理赔提出异议或进行调查。如果申请人为了获得承保或更好的费率而在投保书上提供不准确的信息，即属于不实陈述，可能导致保险金或理赔被拒付。

If an insured passes away or if a claim is submitted within the first two years of the coverage being in effect, the insurance company has a right to contest or question the claim. If the applicant provides inaccurate information on the application in order to receive an offer for coverage or to get better rates, this is misrepresentation and could result in the denial of the benefit or claim.

撤销（Rescission）Rescission

因重大不实陈述而撤回或取消保险合同。已缴入合同的全部保费连同利息将退还给被保险人，保单将被取消。保单被撤销会导致代理人的佣金被追回（chargeback）。

The revocation or cancellation of an insurance contract due to material misrepresentation. All premiums paid into the contract plus interest will be refunded to the insured. The policy will be cancelled. A rescission results in the agent receiving a chargeback on commissions.

第三方医疗证据Third Party Medical Evidence

在有资料可查时，会使用其他数据库查找医疗信息，例如化验结果、常规医疗保健记录和医生信息。

Additional databases are used to find medical information when available, such as lab results, routine health care, and physician information.

医疗信息局（MIB）Medical Information Bureau

医疗信息局（Medical Information Bureau，MIB）是一家由会员公司共同拥有的非营利机构，帮助防范保险欺诈。它是我们公司对收到的每一份寿险申请都会使用的重要核保工具。如果申请人在投保书上遗漏了有关其健康、财务或业余爱好（avocation）历史的相关信息，MIB 会提醒保险公司存在错误和遗漏，由保险公司随后展开调查。防范欺诈有助于降低寿险和健康险的成本。核保员（underwriter）绝不能仅凭 MIB 信息作出不利决定。MIB 信息受 FCRA（《公平信用报告法》）监管。

The Medical Information Bureau (MIB) is a non-profit company owned by members that helps prevent insurance fraud. It is an essential underwriting tool that our company uses for every life application we receive. If an applicant omits pertinent information about their health, financial, or avocation history on the application, MIB will alert the insurance company of the errors and omissions who will then investigate. Preventing fraud helps drive down the cost of life and health insurance. The underwriter can never make an adverse decision based on MIB information. The MIB information is FCRA regulated.

处方数据库报告Prescription Data Base Report

这份报告是对个人过去及当前处方记录的实时电子查询，可以快速查出某位医疗提供者开出的处方数量、该提供者的姓名及地址。

This report is an electronic query of an individual’s past and current prescription history provided in real time, quickly identifying the number of prescriptions prescribed by a provider, the name of the provider, and the address.

你知道吗？处方数据库可以查到过去七年的配药记录。所以不仅要问客户目前正在服用哪些药物，也要问他们过去服用过哪些药物。

Did you know the prescription database captures prescription fills going back seven years? So be sure to not only ask your client about what medications they are currently taking, but also what medications they’ve taken in the past.

Rewrite（重新出单）Rewrite

对一份已签发的合同进行变更的流程，须在投保书签署日期起 120 天内进行。

The process of making a change to a contract that has been issued within 120 days of the signing date of the application.

p. 10Nexus（跨州签单关联）Nexus

当投保书在 Owner 或被保险人居住州以外的州签署时，就涉及 Nexus 问题。由于各州都有自己监管寿险公司的法律，各州希望确保其居民获得的保单符合本州法律。当投保书在 Owner 或被保险人居住州以外的州签署时，我们要求签署州与 Owner／被保险人之间存在可接受的关联（nexus）。

Nexus comes into play when an application is executed in a state other than the Owner or Insured’s residence state. Because states have their own laws that govern life insurance companies, the states want to make sure their residents are issued policies in accordance with that state’s laws. When an application is executed in a state other than the state of residence of the Owner or Insured, we require that there be an acceptable connection (nexus) between the state of execution and the Owner/Insured.

可接受的情形Acceptable Scenarios

许多州的保险监管部门对其居民在其他州投保的业务十分敏感，因此提交涉及 Nexus 情形的申请时，务必清楚说明这种关联。以下是在居住州以外的州签署投保书的可接受情形：

Many state insurance departments are sensitive to business written on their residents in other states, so it is critical that the connection is clearly stated when an application with a nexus situation is submitted. The following are acceptable scenarios for writing an application in a state different from the resident state:

  • 被保险人／Owner 在该州拥有房地产或另一处住所
  • 被保险人／Owner 任职的公司设在该州
  • 被保险人／Owner 在该州拥有一家公司
  • Owner 是一个受投保书签署所在州法律管辖的信托
  • 被保险人／Owner 是没有任何居住州的外国公民，但符合购买美国寿险的 nexus 要求（见 Foreign National Guidelines 外国公民核保指引）
    • 由于被保险人／Owner 不是任何州的居民，州 nexus 规则不适用
    • 如果该外国公民确有居住州，则州 nexus 规则适用
  • The Insured/Owner owns real estate or another residence in that state
  • The company that the Insured/Owner works for is based in that state
  • The Insured/Owner owns a company based in that state
  • The Owner is a trust governed by the laws of the state where the application is to be completed
  • The Insured/Owner is a foreign national that does not have a state of residence but meets the nexus requirements to qualify for US based life insurance (see Foreign National Guidelines)
    • Since the Insured/Owner isn’t a resident of any particular state, state nexus rules do not apply
    • If the foreign national does have a state of residence, state nexus rules do apply

例外Exception

此规则的例外情况是被保险人／Owner 为代理人的亲属。亲属仅包括直系家庭成员，例如配偶、父母、兄弟姐妹或子女。

An exception to this rule would be if the Insured/Owner was a relative of the agent. Relatives would only include immediate family members such as spouse, parent, sibling, or child.

代理人执照Agent Licensing

上述所有情形都要求代理人在两个州都持有相应执照。有些州要求代理人同时持有被保险人及拟定 Owner 居住州和签署州的执照。

All of the scenarios noted above are subject to the appropriate agent licensing in both states. Some states require the agent(s) to be licensed in both the insured and proposed owner’s resident state and the state of execution.

产品供应情况Product Availability

上述所有情形都取决于产品在两个州是否都有销售。此外，如果签署州与被保险人或拟定 Owner 的居住州相邻，而居住州已否决该保单条款格式（policy form），或批准了一份实质不同的保单条款格式，居住州保险监管部门可能要求取消该笔销售，和／或要求改用居住州批准的保单条款格式。

All of the scenarios noted above are subject to the product availability in both states. Also, if the state of execution is a border state to the insured’s or proposed owner’s residence state and the residence state has either disapproved the policy form or approved a materially different policy form, the residence state insurance department may require the sale to be canceled and/or require it to be changed to the policy form approved by the residence state.

投保表格Application Forms

如果投保书已符合 nexus 指引，并在居住州以外的州签署，所用的投保表格必须是签署州批准的表格。

When writing an application that has met the nexus guidelines and is executed in a state other than the residence state, the application forms used must be the approved forms for the state of execution.

签署州证明State of Execution Certification

当寿险或年金投保书在被保险人或拟定 Owner 居住州以外的州填写并签署时，必须填写 Form 9928。此表格可在公司网站上获取。

Form 9928 must be completed when a life insurance or annuity application is completed and signed in a state other than the state of residence of the insured or proposed Owner. This form is available on the Company website.

p. 11可保利益：Owner／受益人Insurable Interest — Owner/Beneficiary

各州的保险法律和公共政策要求我们在签发寿险保单时，确认拟定被保险人与 Owner 和／或受益人（beneficiary）之间存在可保利益（insurable interest）。对可保利益最严格的定义是：Owner 和／或受益人在被保险人身故时必须遭受可量化的经济损失。换句话说，被保险人活着比身故对 Owner 和／或受益人更有利。

Insurance law and public policy in the various states require that we establish an Insurable Interest between the Proposed Insured and the Owner and/or Beneficiary exists at the time we issue a life insurance policy. The strictest definition of insurable interest suggests that the Owner and/or Beneficiary must suffer a quantifiable financial loss at the Insured’s death. In other words, the Owner and/or Beneficiary must be better off if the Insured lives rather than dies.

由于 Owner 掌控保单的多个方面，例如变更受益人、变更保额或附加条款（rider），或者退保，保险公司有责任确保所签发的每一份保单中 Owner 都具有可保利益。

Because the Owner controls several aspects of the policy, such as the right to change the beneficiary, change the face amount or riders, or cancel the policy, the insurance company is charged with assuring there is insurable interest of the owner for any policy issued.

我们承保的最简单、最常见的关系是配偶之间。遗属收入、偿还债务、学费和身后费用，都是在这种情况下身故时会立即显现的可量化需求，也都是购买寿险完全恰当的目的。债务关系中的贷款偿还、商业关系中的关键人物（key-person）和买卖协议（buy-sell），以及遗产保护，也都是较易量化、可以用寿险来支持的需求。

The simplest, most common relationship we insure is that between spouses. Survivor income, debt repayment, tuition costs, and final expenses are all quantifiable needs that become readily apparent at death in this situation and are perfectly appropriate purposes for life insurance. Loan repayment in debtor relationships, key-person and buy-sell agreements in business relationships, and estate protection are other fairly quantifiable needs that can be supported by life insurance.

法律也认可配偶（或“伴侣”）之间的感情纽带，以及父母为未成年子女投保、祖父母为孙辈投保（须经孙辈父母同意）的情形。

The law also makes allowance for the bonds of love and affection that exist between spouses (or “significant others”), when parents insure minor children, and when grandparents insure grandchildren (with parental approval).

堂表兄弟姐妹、侄甥辈与叔伯姑姨辈之间的关系较难承保，因为他们之间的经济和情感联系难以认定和量化。

The relationships between cousins, nieces/nephews, and aunts/uncles are more difficult to insure because the financial and emotional ties are hard to identify and quantify.

除配偶互保或父母为未成年子女投保外，只要 Owner 不是拟定被保险人本人，或者 Owner 与受益人的关系存疑，代理人都有责任详细说明支持该申请的可保利益。说明中务必包括拟定被保险人身故时所产生的经济损失。

Except when spouses insure each other or when parents insure minor children, it is the Agent’s responsibility to carefully describe the insurable interest supporting any application where the Owner is someone other than the Proposed Insured and if the relationship of the Owner to the Beneficiary is questionable. It’s important that the explanation include the financial loss incurred at the Proposed Insured’s death.

在保单存续期间，合同上的 Owner 和受益人经常会发生变更。

The owner and beneficiaries on their contract often change over the life of the policy.

普遍接受的所有权安排包括：被保险人本人、配偶、未成年子女的父母、祖父母、商业合伙人、被保险人拥有的企业／公司，以及信托。

Generally accepted ownership arrangements include Insured, Spouse, Parent of Minor Child, Grandparent, Business Partner, Business/Corporation Owned by the Insured, and Trusts.

当未成年人成为 Owner 时（因现任 Owner 身故），须由法院指定的法定监护人代表该子女处理与保单有关的一切事务。此外，大多数交易还需要法院命令授权法定监护人所申请的操作。

When a minor becomes owner, by reason of the death of the current owner, a court-appointed legal guardian is required to act on behalf of the child for all dealings with the policy. Additionally, most transactions would require a court order authorizing action requested by the legal guardian.

在保单上加上一位后备 Owner（contingent owner），就可以避免这种情况。

You can avoid this situation by including a contingent owner on the policy.

如需在保单签发前添加后备 Owner，请通过 Agent Portal 提交申请，并提供以下信息：

To add a contingent owner prior to policy issue, submit a request through the Agent Portal with the following information:

  • 姓名
  • 出生日期
  • 社会安全号码（SSN）
  • 与被保险人的关系
  • Name
  • Date of birth
  • Social Security number
  • Relationship to the insured

如需在保单签发后添加后备 Owner，请填写 1492 Ownership Change form（所有权变更表），并电邮至 TitleDepartment@NationalLife.com。

To add a contingent owner after a policy is issued, please complete a 1492 Ownership Change form and email it to TitleDepartment@NationalLife.com.

pp. 12–16财务核保Financial Underwriting

财务核保是对拟定被保险人个人及企业财务背景的评估。在分析过程中，我们需要确认所申请的保险需求，以及在本公司和／或其他保险公司的有效保单（inforce coverage），是合理的并且与被保险人的需求相符。核保员有责任确保保单在经济上可负担，以便持续缴纳保费。在核保时，必须确认受益人对拟定被保险人的生命具有可保利益，以及该被保险人意外早逝时将会造成的经济损失。

Financial Underwriting is the evaluation of the proposed insured’s personal and business financial background. During the analysis we need to confirm that the need for insurance as applied for, as well as any inforce coverage with our company and/or other carriers, is reasonable and in line with the insured's needs. It is the underwriter's responsibility to make sure the policy will be affordable in order to sustain premium payments. It is necessary to establish the insurable interest of the beneficiary in the life of the prospective insured at the time of underwriting, and the financial loss that will occur in the event of an unexpected and untimely death of that insured.

虽然寿险还可以有其他特殊用途，例如现金价值累积，但寿险的首要目的是防范损失，身故保险金不能超过客户的经济价值（“人的生命价值”）。

While life insurance can have other specialty uses such as cash value accumulation, the primary purpose of life insurance is to protect against a loss and the death benefit cannot exceed the client’s economic (“human life”) value.

写单代理人是重要的信息来源。代理人可以通过附函（cover letter）说明所申请保额及总保额（total line of coverage）的目的、需求和计算方法，以及案件的任何特殊之处和竞争情况。申请大额保单时，应随附需求分析和财务报表的副本。

The writing agent is an important source of information. Through a cover letter, he/she can provide an explanation of the purpose, need, and method used to establish the requested face amount and total line of coverage, as well as any unusual aspects of the case and competitive situations. Copies of the needs analysis and financial statement should accompany applications with large face amounts.

财务证明文件Financial Documentation

根据所申请的保额，我们可能需要额外的文件来证明保额在财务上合理。这些文件包括但不限于：

Depending on the face amount requested, we may need additional documentation to financially justify coverage. This documentation includes, but is not limited to:

  • 由核保部门订购的 E-inspection（电子调查）报告
  • 保密财务问卷 Confidential Financial Questionnaire／CFQ（form 1392）
  • 收入证明 Income Verification（IV），包括但不限于以下项目：
    • 由 CPA 签署的 1392（可作为 IV 和／或 TPV）
    • 报税表（Tax Return）
    • W2
    • 1099
  • 第三方核实财务资料 Third Party Verified Financials（TPV），包括但不限于以下项目：
    • 由 CPA 签署的 1392（可作为 IV 和／或 TPV）
    • 第三方企业估值报告
    • 券商／银行对账单
    • 房地产持有证明文件
  • E-inspection reports ordered by Underwriting
  • Confidential Financial Questionnaire/CFQ (form 1392)
  • Income Verification (IV) includes items such as (but not limited to):
    • 1392 signed by CPA (can be used as IV and/or TPV)
    • Tax Return
    • W2
    • 1099
  • Third Party Verified Financials (TPV) includes items such as(but not limited to):
    • 1392 signed by CPA (can be used as IV and/or TPV)
    • Third party business valuation reports
    • Brokerage/Bank statements
    • Real estate holding documentation

纽约州财务适当性审查（所有案件）New York Financial Suitability Review (all cases)

自 2020 年 2 月 1 日起，所有纽约州合同都须按照 Regulation 187（第 187 号法规）接受加强版适当性审查。为进行这一额外层级的适当性审查，我们要求所有纽约州投保申请都填写保密财务问卷（form 1392）。为避免延误，提交任何纽约州申请时请一并附上此问卷。

Effective February 1, 2020, all New York contracts are subject to enhanced suitability review per Regulation 187. In order to perform this additional level of suitability review, we will require that the Confidential Financial Questionnaire (form 1392) be completed on all NY applications. To avoid delays, include this questionnaire when submitting any NY applications.

0–17 岁儿童的少儿保障：Juvenile coverage for children ages 0–17:

适用于所有少儿保障：For all juvenile coverage:
  • 儿童必须至少出生满 14 天，并且是美国公民或永久居民。
  • 可接受的 Owner 仅限父母／法定监护人或祖父母（需要提供监护权文件）。
  • Child must be at least 14 days old and be a U.S. citizen or permanent resident.
  • Acceptable ownership is limited to parents/legal guardians or grandparents only (guardianship paperwork will be necessary).

National Life 会考虑为少儿提供最高 $500,000 保额的永久型（permanent）保障，无论其父母或兄弟姐妹的有效（和／或申请中）保额是多少。

National Life will consider permanent coverage on a juvenile up to a face amount of $500,000, regardless of the amount of coverage in force (and/or applied for) on parents or siblings.

如果申请的保额使总保额落在 $500,001 至 $1,000,000 之间，National Life 最多可考虑到与主要养家父母*的有效保额相同的金额（非主要养家的一方父母也应有足够保障）。兄弟姐妹需要有同等保障（相同保额或相同保费投入）。

For requested coverage amounts that result in a total line of insurance coverage from $500,001 to $1,000,000, National Life can consider up to the amount of insurance in force on the breadwinning parent* (non-breadwinning parent should also be adequately insured). Siblings need to have like coverage (equal face amount or premium contribution).

申请超过 $1,000,000 的少儿将个案考虑。National Life 最多可考虑到主要养家父母*有效保额的 50%（非主要养家的一方父母应有足够保障）。兄弟姐妹需要有同等保障（相同保额或相同保费投入）。

Juvenile applicants for greater than $1,000,000 will be considered on an individual basis. National Life can consider amounts up to 50% of insurance in force on the breadwinning parent* (non-breadwinning parent should be adequately insured). Siblings need to have like coverage (equal face amount or premium contribution).

总保额申请超过 $3,000,000 的，必须已有充分的财务／遗产规划，并且需要把规划文件提供给核保部门。

For total line requests greater than $3,000,000, sufficient financial/estate planning needs to be in place and documentation of the planning will need to be shared with underwriting.

* 请注意：核保员可酌情要求提供主要养家父母有效保单的证明。

* PLEASE NOTE: Proof of in-force coverage on the breadwinning parent may be requested at underwriter’s discretion.

纽约州合同对 14 岁 6 个月以下的少儿有特殊规定，必须遵守。New York contracts have special rules that must be followed on Juveniles up to age 14 & 6 months.
  • 0 至 4 岁 6 个月：上限为 $50,000 或投保方父母有效保额的 25%，取较高者。
  • 4 岁 6 个月至 14 岁 6 个月：上限为 $50,000 或投保方父母有效保额的 50%，取较高者。
  • 如果父母为共同 Owner：上限为 $50,000，或保额较高一方父母有效保额的 25% 或 50%，取较高者。
  • For ages 0–4 yrs & 6 months, it’s the maximum of $50,000 or 25% of the inforce coverage on the life of the parent who is applying, whichever is greater.
  • For ages 4 yrs & 6 months–14 yrs & 6months, it’s the maximum of $50,000 or 50% of the inforce coverage on the life of the parent who is applying, whichever is greater.
  • If parents are joint owners, it’s the maximum of $50,000, 25% or 50% on the life of the parent with the greater coverage, whichever is greater.

如果是祖父母为孙辈购买保障，而孩子并不依靠该祖父母抚养，则上述限额不适用。这种情况下我们可以按照正常的少儿核保指引处理。

These limits do not apply if a grandparent is purchasing the coverage on the child and the child is not dependent on that grandparent for support. In this situation we are able to follow our normal juvenile guidelines.

纽约州合同：14 岁 6 个月至 17 岁的少儿。New York contracts for Juveniles ages 14 & 6 months to age 17.
  • 请参照第 12 页“适用于所有少儿保障”部分的指引。
  • Refer to guidelines in "For all juvenile coverage" section on page 12.

个人保险Personal Insurance

收入替代倍数Income Replacement Multipliers
年龄Age倍数 × 收入Factor Time Income
18–30年工作收入的 40 倍40x annual earned income
31–40年工作收入的 35 倍35x annual earned income
41–50年工作收入的 25 倍25x annual earned income
51–60年工作收入的 15 倍15x annual earned income
61–65年工作收入的 10 倍10x annual earned income
66–69年工作收入的 5 倍5x annual earned income

工作收入（earned income）是指通过有偿工作获得的收入，不包括投资、出租房产、赡养费、储蓄账户等带来的收入。核保员只考虑工作收入。

Earned income is money received from paid work. It is not income from investments, rental property, alimony, savings accounts etc. Underwriters take into the consideration earned income only.

其他个人保险Other Personal Insurance

申请较大保额时，代理人有责任告知客户：购买寿险保单是一份具有约束力的财务合同，需要披露个人和／或企业的财务信息。根据保险需求的不同，可能需要特定的具体财务核实或声明文件。以下是 National Life Group 的财务核保要求：

For larger face amounts requested, it is the agent’s responsibility to inform the client that the purchase of a life insurance policy is a binding financial contract that requires disclosure of personal and/or business financial information. Depending on the insurance need, specific concrete forms of financial verification or attestation(s) may be required. Below are National Life Group’s Financial Underwriting Requirements:

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓ （70 岁及以上）(age 70+)✓ （18 岁及以上）(age 18+)
EIE-Inspection（电子调查）E-Inspection
CFQ保密财务问卷（Form 1392）*Confidential Financial Questionnaire (Form 1392)*
IV收入证明（见第 12 页）Income Verification (see page 12)
TPV第三方核实财务资料（见第 12 页）Third Party-Verification Financials (see page 12)

* 所有纽约州申请无论保额多少都必须附上此表。

* All NY applications must include this form at all face amounts.

以上为一般性指引。我们保留由核保员酌情要求提供财务资料的权利。可能要求的其他核保资料请参阅 Business Insurance Guidelines（商业保险指引）。

These are general guidelines. We reserve the right to request financial requirements at the underwriter’s discretion. See Business Insurance Guidelines for additional underwriting requirements that may be requested

如果是一个家庭申请寿险，务必让总保费不超过客户年收入的 10%。如果超过，核保员保留要求提供额外财务文件的权利。

If you have a family applying for life insurance, it is important that the total premium does not exceed 10% of the client’s annual income. If it does, the underwriter will reserve the right to ask for additional financial documentation.

个人保险Personal Insurance

遗产保护／遗产规划Estate Protection/Estate Planning

投保目的：

Purpose of insurance:

用寿险保障来避免资产因缴纳遗产税而被迫出售。以个人或家庭的个人净资产作为基础，估算大致的遗产税负担及相关费用。核保员会考虑资产的性质及其价值随时间的变化，按合理增长率复利计算 10 到 20 年（视客户年龄和风险等级而定），并以预期利率进行抵减。

Life insurance coverage to protect the assets from sale for estate tax purposes. The personal net worth of an individual or family is used as the basis for a calculation of an approximate estate tax liability and related expenses. The underwriter will consider the nature of the assets and how their value has changed over time at a reasonable rate of growth, compounded up to 10 to 20 years depending on the clients’ ages and risk class and offset by expected interest rate.

身后费用保障Final Expense Coverage

National Life Group 不提供单独的身后费用或丧葬保险。（在有适当财务证明的前提下，最高可考虑 $100,000，身后费用会作为整体保障需求的一部分来考虑。）

National Life Group does not offer a stand-alone final expense or burial coverage. (With appropriate financial justification to a maximum up to $100,000 may be considered with final expenses being considered as part of the overall need for coverage.)

高龄投保人及受抚养父母的保障Coverage on Older-Age Applicants & Dependent Parents

投保目的：

Purpose of insurance:

高龄投保人可能因遗产税（见遗产规划）或资产重新配置而需要个人保险。身后费用可以纳入整体保障需求一并考虑。70 岁及以上不适用收入替代。

Personal insurance on older-age applicants may be needed for estate tax situations (see estate planning) or asset repositioning. Final expenses may be considered in the overall need for coverage. Income replacement is not applicable at ages 70+.

退休收入：现金价值可以用作退休收入，但身故保险金必须在财务上说得通。

Retirement income: Cash value may be used for retirement income. However, the death benefit must be financially justifiable.

受抚养父母的保障：如果能证明存在经济损失，可以考虑为受抚养的父母提供有限的保额。家庭需要弥补的可量化经济损失是什么？

Coverage on dependent parents: A limited amount of coverage may be considered on dependent parents if a financial loss is demonstrated — what is the quantifiable financial loss that the family must replace?

  • 如果受抚养父母为家庭提供的服务需要花费相当大的费用才能替代，该金额是如何确定的？
  • 户主（受抚养父母的成年子女）必须已有足够的有效寿险保障，且金额要高于为一位父母申请的保额。
  • 户主的收入必须足以支撑家庭财务以及家庭成员的总保额。
  • 保险不能用来在身故时“创造”一笔遗产。在有适当财务证明的前提下，最高可考虑 $100,000（所有保险公司合计）。但如果无法提供财务证明，将不予承保。
  • If services provided to the family by the dependent parent would require significant expense to replace, how was that amount determined?
  • The head of household (adult child of dependent parent) must have sufficient life insurance coverage in force at an amount greater than being applied for one parent.
  • The head of household’s income must be sufficient to support the family finances and total line of coverage for household members.
  • Coverage cannot be used to create an estate at death. With appropriate financial justification a maximum up to $100,000 (total with all carriers) may be considered. However, if no financial justification is demonstrated no coverage will be issued.

保费收入比

Premium to income ratio

为了能长期持续缴纳保费，年收入一般的家庭，寿险保费通常不应超过收入的 10%。年收入较高的家庭可以把更高比例的收入投入保单，这将个案考虑。

In order to sustain long term premium payments, generally households with modest annual income should not exceed 10% of income for life insurance premiums. Households with greater annual income may put a larger percentage of their income in their policies; this will be considered on an individual basis.

州及联邦援助领取者State & Federal Assistance Recipients

主要收入来源为州或联邦援助项目、补充保障收入（SSI）或社会安全残障收入（SSDI）的人士，除了一份象征性的身后费用保单外，一般对寿险的需求很小。如果这是他们唯一的收入来源，我们不会提供保障。

Individuals whose primary source of income is state or federal aid programs, Supplemental Security Income (SSI), or Social Security Disability Income (SSDI) generally have a minimal need for life insurance other than a nominal final expense policy. If this is their only source of income, we would not offer coverage.

无工作配偶的保障Non-Working Spouse Coverage

如果有工作的一方配偶已有有效／审核中的保单，我们可以按其保额匹配，最高 $1,000,000。超过 $1,000,000 的部分需要财务证明。如果有工作的一方配偶无法承保，我们允许无工作配偶按家庭年度工作收入投保相应保额。

If the working spouse has inforce/pending coverage, we can match their coverage up to $1,000,000. Any amount greater than $1,000,000 will require financial justification. If the working spouse is uninsurable, we would allow the non-working spouse coverage in line with earned household annual income.

慈善保障Charitable Coverage

National Life 会按照以下指引考虑慈善捐赠（Charitable Giving）类保单：

At National Life we will consider Charitable Giving with the following guidelines:

  • 我们最多可考虑年均慈善捐款的 20 倍或剩余预期寿命（年龄 21–70 岁：20 倍；71 岁及以上：最高 10 倍）。年均慈善捐款按过去 3 年对该慈善机构的捐款取平均值确定。
  • 个人自身的寿险需求必须已得到满足。
  • 我们最多可考虑现有个人保额的 50%。
  • 如果拟定被保险人没有向该慈善机构捐款的历史记录，可考虑的最高身故保险金为：
    • 根据其与该慈善机构的关联个案考虑。我们希望看到一份详细的附函，说明其与该慈善机构的关系。
    • 我们最多可考虑现有个人保额的 50%，但如果与该慈善机构没有重要关系，我们可能无法考虑这份慈善保单。
    • 如果拟定被保险人属于高净值人士，可根据其经证实的净资产按以下标准考虑：
      • 净资产 < $5 Million：根据其与该慈善机构的关联个案考虑。我们希望看到一份详细的附函，说明其与该慈善机构的关系。申请时应随附附函，说明客户与该慈善机构的关系及捐款详情。
      • 净资产 $5 至 $10 Million：最多可达净资产的 10%。
      • 净资产 $11 Million 至 $50 Million：最多可达净资产的 20%。
      • 净资产 $51 Million 至 $100 Million：最多可达净资产的 30%。
      • 净资产超过 $100 Million：最多可达净资产的 40%。
      • 慈善捐赠保单不应超过现有个人保额的 50%。
  • We will consider up to 20x the average annual charitable gift or remaining life expectancy (ages: 21–70: 20x, ages 71+ up to a maximum of 10x). The average annual charitable gift will be determined by averaging the charitable gift given to the charity over the past 3 years.
  • The individual’s personal life insurance needs must be met.
  • We will consider up to 50% of existing personal coverage.
  • If the proposed insured does not have a historical pattern of gifting to the charity, the maximum death benefit considered will be:
    • Individual consideration based on the connection to the charity. We would want to see a detailed cover letter explaining the relationship to the charity.
    • We may consider up to a maximum of 50% of existing personal coverage, however if there is not a significant relationship to the charity, we may be unable to consider the charitable policy.
    • If the proposed insured is considered a High-Net-Worth individual consideration can be given based upon their proven net worth as follows:
      • Net Worth < $5 Million: Individual consideration based on the connection to the charity. We would want to see a detailed cover letter explaining the relationship to the charity. A cover letter explaining the client’s relationship to the charity and the details regarding the contribution should be provided with the application.
      • Net Worth $5 to $10 Million: Allow up to 10% of Net Worth.
      • Net Worth $11 Million to $50 Million: Allow up to 20% of Net Worth.
      • Net Worth $51 Million to $100 Million: Allow up to 30% of Net Worth.
      • Net Worth greater than $100 Million: Allow up to 40% of Net Worth.
      • The Charitable giving policy should not exceed 50% of existing personal coverage.
资产重新配置Asset Repositioning

为加强或放大财富传承而转入寿险的任何资产或收入，都不应给客户及其家庭造成未来的财务困难。

Any assets or income being repositioned into life insurance to enhance or leverage a legacy for wealth transfer purposes should not cause future financial hardship for the client and family.

身故保险金必须符合上述财务指引。

Must qualify for death benefit using financial guidelines above.

债权人保障（个人）Creditor (Personal)

应提交贷款文件副本，并附上代理人的附函，说明贷款条款和贷款现状。个人住房按揭最高可考虑贷款金额的 100%；其他个人贷款最高为贷款金额的 75%。建议就未偿还贷款金额向贷款方做抵押转让（collateral assignment）。

A copy of the loan document should be submitted with the agent’s cover letter outlining details of loan terms and status of loan. Personal home mortgages will be considered up to 100%; other personal loans up to 75% of loan amount. Use of collateral assignment for outstanding loan amount to lender is recommended.

IOLI／STOLI（投资者持有寿险／陌生人持有寿险）IOLI/STOLI (Investor Owned Life Insurance/Stranger Owned Life Insurance)

National Life Group 的政策是不支持任何形式的投资者持有寿险（IOLI，包括“无追索权保费融资”）、陌生人持有寿险（STOLI）或慈善机构持有寿险（CHOLI），即拟定 Owner 在销售时就打算将保单出售给投资者、投资者团体、保单贴现（life settlement）公司或慈善机构的情况。涉及此类安排的寿险申请不应提交。

It is the policy of National Life Group not to support any form of Investor Owned Life Insurance (IOLI), including “non-recourse premium financing”, Stranger Owned Life Insurance (STOLI), or Charity Owned Life Insurance (CHOLI), where the intention of the proposed owner at the time of sale is to sell the policy to an investor, group of investors, life settlement company, or charity. Applications for life insurance that involve such arrangements should not be submitted.

破产Bankruptcy

破产申请有多种类型，最常见的是 Chapter 7、11 和 13。从核保角度看，这几类可能会被区别对待。有 Chapter 7 破产史的个人，在破产程序获得解除（discharged）、客户已全职工作并能证明对合理保额有财务需求之前，我们不会提供保障。对于目前处于 Chapter 11 或 13 的申请人，一旦其按期偿还债务且不受任何法院施加的限制，我们就会考虑承保。所有申请人都将根据自身情况核保，综合考虑就业稳定性、年收入、净资产、投保目的和保障需求，以及任何医疗方面的问题。

There are different types of bankruptcy filings but the most common are Chapters 7, 11, and 13. From an underwriting perspective, they can be viewed differently. We will not offer coverage to an individual with a history of Chapter 7 bankruptcy until the bankruptcy proceedings have been discharged, and the client is working full time and demonstrates a financial need for a reasonable amount of coverage. We will consider coverage for applicants currently in Chapter 11 or 13 once the applicant is making regular debt payments and they are not subject to any court-imposed restrictions. All applicants will be underwritten on their own merit, taking into consideration stable employment, annual income, net worth, purpose, and need for coverage, as well as any medical concerns.

商业保险Business Insurance

保险常用于防范商业关系中的经济损失，最常见的是关键人物（Key Person）、买卖协议（Buy/Sell）和递延薪酬（Deferred Compensation）。身故保险金额必须与该企业的财务状况相称。每一笔商业保险销售都应附上详细的附函和商业保险工作表 Business Insurance Worksheet（form 20098）。如果合同为雇主持有，必须在签发前填写并提交被保险人通知及同意书 Insured Notification and Consent Form（form 8453）。

Insurance is frequently used to protect against financial loss in a business relationship. The most common are Key Person, Buy/Sell, and Deferred Compensation. The amount of death benefit must be suitable for the given business financial situation. Each business sale should include a detailed cover letter and Business Insurance Worksheet (form 20098). If the contract is employer owned, the Insured Notification and Consent Form (form 8453) must be filled out and submitted prior to issue.

关键人物Key Person

对企业盈利有重大贡献且难以被轻易替代的人，可被视为关键人物（Key Person）。一般会考虑年薪的一定倍数，例如五（5）倍收入；对于经营稳固的企业可考虑 10 倍。股票期权、奖金和某些福利（如住房和汽车补贴）也会计入薪酬。

Individuals who make significant contributions to the profitability of a business and cannot readily be replaced may be considered Key Persons. Generally, a multiple of annual salary, such as five (5) times income, would be considered — 10 times for well-established businesses. Stock options, bonuses, and certain benefits, such as housing and automobile allowances, will also be factored into compensation.

买卖协议：交叉购买／股份赎回Buy-Sell Cross Purchase/Stock Redemption

所有股东都应根据其既定的企业权益以及买卖协议中列明的公平市场价值按比例投保。如果没有买卖协议，需要提供附函，详细说明公平市场价值是如何确定的。此外，还需要提供最近两年的损益表和资产负债表资料，或者一份第三方企业估值报告。

All owners should be proportionately insured based on their established business interest and the fair market value outlined in the buy-sell agreement. If there is no buy-sell agreement, a cover letter is needed with details on how fair market value was determined. In addition, the last two years of income statements and balance sheet information is needed — or a third party business valuation.

递延薪酬Deferred Compensation

递延薪酬大致可分为两类：合格计划（qualified plans）和非合格计划（non-qualified plans）。合格计划允许雇主在向计划供款时进行税务抵扣（作为正常的业务费用）。这些供款以税前方式进行，员工在供款时无需缴纳所得税，而是可以延迟到从计划中领取福利时再纳税。非合格计划不享有这种节税待遇：雇主不能就供款进行抵扣，员工必须在供款当年就供款缴纳所得税。

Deferred compensation can be divided into two broad categories: qualified plans and non-qualified plans. Qualified plans allow the employer to take a tax deduction (as a normal business expense) when contributions are made to the plan. These contributions are made on a before-tax basis and the employee is not subject to income taxes at the time of the contribution, but is instead allowed to defer taxes until benefits are distributed from the plan. Non-qualified plans do not receive this tax savings: the employer cannot take a deduction for contributions and the employee must pay income taxes on contributions in the year in which they are made.

这一方案的一个关键好处是：保单的现金价值累积可以延税增长，并有可能通过保单贷款或部分提取*来补充退休福利。因此，保额较低、资金投入最大化的产品最符合递延薪酬的理念。

Because a key benefit of this concept is that the cash value buildup of the policy grows income tax deferred and can potentially be accessed using policy loans or withdrawals* as a supplement to retirement benefits, a product with a lower face amount and maximum funding best meets the deferred compensation concept.

核保员会要求提供薪资、所返还的福利（benefit being refunded）以及申请的保额。企业的长期财务前景也是一项财务考量因素。

The Underwriter will require salaries, benefit being refunded, and amount of insurance being applied for. Long term financial outlook of the business is also a financial consideration.

贷款保障／债权人保障（企业）Loan Protection/Creditor (Business)

最高可考虑未偿还贷款金额的 75%。必须提供有关贷款目的和条款的完整详情。应就贷款余额对身故保险金做抵押转让（collateral assignment）。

A maximum of 75% of the outstanding loan amount will be considered. Complete details regarding the purpose and terms of the loan must be provided. Collateral assignment of the death benefit for the loan balance should be used.

高管奖金计划Executive Bonus

雇主可以提供高管奖金计划（executive bonus plan），为高管员工个人持有的保单支付寿险保费，作为额外激励。金额可以在递延薪酬协议中约定，并且应以个人保险需求作为依据。应提交任何递延薪酬协议的副本，以及过去两年的薪资（含奖金）证明。

Employers may offer an executive bonus plan to provide additional incentives by paying life insurance premiums for the executive employee’s personally owned policy. The amount may be defined in a deferred compensation agreement and should be justified by personal insurance needs. A copy of any deferred compensation agreement should be submitted as well as documentation of salary (including bonuses) for past two years.

* 保单贷款和部分提取会减少保单的现金价值和身故保险金，并可能产生应税事件。退保费用可能在前几年减少保单的现金价值。

* Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Surrender charges may reduce the policy's cash value in early years.

p. 17核保方案：全面体检与财务核保Underwriting Programs — Full Medical/Financial Underwriting

全面体检／财务核保Full Medical/Financial Underwriting

National Life Group 有一大批产品采用传统核保要求进行核保，例如血液检查、尿液样本、Paramed 体检（ME）和 EKG（心电图）。需要全面体检核保才能准确评估客户死亡风险的投保申请，通常是保额较大和年龄较高的申请人。最新的产品清单请查阅 www.NationalLife.com。

National Life Group has a wide range of products that are underwritten using traditional underwriting requirements such as blood profile, urinalysis specimen, paramedical exam, and EKGs. Applications requiring full medical underwriting to properly assess the mortality risk the client represents are often on larger face amounts and older age applicants. Please refer to www.NationalLife.com for the most current listing of these products.

代理人需要了解什么？What does the agent need to know?

NLG 会审核载有客户财务和医疗信息的投保申请书，并将这些信息与多个用于风险评估的数据库交叉核对，例如：

NLG will review the application containing your client’s financial and medical information. The information will be cross-referenced with several databases used for the risk assessment such as:

  • Medical Information Bureau（MIB，医疗信息局）
  • Milliman Intelliscript® 处方数据、医疗理赔数据及犯罪记录数据
  • Motor Vehicle Report（机动车驾驶记录，MVR）
  • Electronic Inspection Report（电子背景调查报告）
  • LabPiQture，提供临床化验结果
  • Clinical Reference Laboratory 处方数据库
  • Medical Information Bureau (MIB)
  • Milliman Intelliscript® Prescription Data, Medical Claims Data, and Criminal History Data
  • Motor Vehicle Report
  • Electronic Inspection Report
  • LabPiQture, providing clinical laboratory results
  • Clinical Reference Laboratory Prescription Database

可能会要求客户完成哪些体检项目？What medical requirements might be requested for my client to complete?

  • 血液检查和尿液样本
  • Paramed 体检
  • Senior Assessment（老年评估）
  • EKG（心电图）
  • APS（Attending Physician Statement，主治医生报告）
  • Blood profile and urinalysis specimen
  • Paramedical exam
  • Senior Assessment
  • EKG
  • Attending Physician Statement
你知道吗？Did you know?
  • 投保申请书自签署之日起 6 个月内有效
    • 距最近一次健康证明（体检或申请书健康部分）超过 90 天的，需要提交 Statement of Health（健康声明，按所在州使用相应的 form 5230）
  • Paramed 体检和化验结果的有效期：
    • 70 岁以下：12 个月
    • 70 岁及以上：6 个月
  • Rewrite（重新出单）：保单可在申请书签署之日起 120 天内 Rewrite。
  • An application is good for 6 months from the application signing date
    • A Statement of Health (form 5230 for appropriate state) will be required after 90 days of the date of last evidence (exam or health section of application)
  • Parameds and Labs are good for:
    • Ages up to 70: 12 months
    • Ages 70 and up: 6 months
  • Rewrites: A policy can be rewritten up to 120 days from the application signing date.

还可能需要客户提供哪些其他资料？Are there other requirements that I may need to have my client furnish?

视寿险销售的类型和目的而定，underwriter（核保员）可能会要求提供额外的财务资料，以证明所申请保额的合理性。我们要求的资料可能包括：

Depending on the type of and purpose of the life insurance sale, the underwriter may request additional financial information to justify the face amount being requested. This information we request, may be in the form of:

  • Personal Financial Questionnaire（个人财务问卷）
  • 近 2 年的报税表、W-2 或 1099
  • 由 CPA 或税务律师编制的第三方核实财务报表
  • Cover letter（说明信），说明销售目的以及总保额是如何确定的
  • Personal Financial Questionnaire
  • 2-year tax returns, W-2s, or 1099s
  • Third Party Verified Financial Statements prepared by CPA or Tax Attorney
  • Cover letter explaining the purpose of sale and how the total line of coverage was determined
你知道 cover letter 有多大作用吗？Do you know how powerful a cover letter can be?

如果客户投保的原因不只是单纯的收入替代需求，最好附上一封 cover letter。Cover letter 会告诉 underwriter 这笔保单是如何谈成的、销售目的是什么，以及资金和／或 rider 的预期用途。一封写得好的 cover letter 能帮助 underwriter 更好地理解客户的需求。如果通过 eApp 提交投保申请，可以直接在 cover letter 中填写这些信息。

If you have a client who is applying for insurance for reasons other than straight income replacement needs, it is best to submit a cover letter. The cover letter will tell the underwriter how the sale was made, the purpose of the sale, and the intended use of the funds and/or riders. A well-crafted cover letter helps the underwriter better understand your client’s needs. If you submit an application via eApp, you can type this information in the cover letter.

p. 18加速核保产品（EZ Underwriting）Accelerated Underwriting Products (EZ Underwriting)

National Life Group 很高兴为申请人提供加速核保。这意味着客户有机会在无需完成体检项目（血液检查、尿检、Paramed 体检和 EKG）的情况下，获得我们的最佳等级。

National Life Group is pleased to offer accelerated underwriting to applicants. This means your client may be eligible for our best class without the need to complete medical requirements (blood profile, urinalysis, paramedical exam, and EKG).

EZ underwriting 适用于：18–50 岁、永久型产品申请保额不超过 $3,000,000（含）的申请人（Term 产品为 $2,000,000）；51–60 岁、申请保额不超过 $1,000,000（含）的申请人；以及 61–65 岁、申请保额不超过 $250,000（含）的申请人。

EZ underwriting is available to applicants ages 18–50 applying for face amounts up to and including $3,000,000 on permanent products ($2,000,000 on term products); to applicants ages 51–60 applying for face amounts up to and including $1,000,000; and to applicants ages 61–65 applying for face amounts up to and including $250,000.

客户在 National Life Group 已有的保单会影响所需的核保要求，请与您的 underwriter 沟通。

Existing coverage with National Life Group will impact the needed requirements. Please consult with your underwriter.

现行规定请参阅各产品的年龄与保额对照表（从第 21 页开始）。

Please consult the product's age and face amount grid for current guidelines beginning on page 21.

申请以下保额的申请人：Applicants Applying for the Following Face Amounts:

18–50 岁Ages 18–5051–60 岁Ages 51–6061–65 岁Ages 61–65
FlexLife最高 $5MUp to $5M最高 $3MUp to $3M最高 $250,000Up to $250,000
SummitLife最高 $5MUp to $5M最高 $3MUp to $3Mn/a
PeakLife NL最高 $5MUp to $5M最高 $3MUp to $3Mn/a
Living Life Defender最高 $5MUp to $5M最高 $3MUp to $3M最高 $250,000Up to $250,000
TotalSecure最高 $5MUp to $5M最高 $3MUp to $3M最高 $250,000Up to $250,000
BasicSecure最高 $2MUp to $2M最高 $3MUp to $3M最高 $250,000Up to $250,000
Term最高 $5MUp to $5M最高 $1MUp to $1M最高 $250,000Up to $250,000

过去 12 个月内做过体检的申请人：永久型产品可扩大 EZ Underwriting 适用范围Expanded EZ Underwriting on permanent products for applicants with a physical exam in the past 12 months

对于永久型产品，如果申请人在过去 12 个月内做过常规体检，并完成了与年龄相符的筛查检测，EZ underwriting 的适用范围可以扩大。

For permanent products, EZ underwriting availability may be expanded to applicants if they have had a routine physical exam with age-appropriate screening tests completed within the last 12 months.

18–50 岁、申请保额在 $3,000,001 至 $5,000,000（含）之间的申请人，以及 51–60 岁、申请保额在 $1,000,001 至 $3,000,000（含）之间的申请人，有机会在无需完成体检项目（血液检查、尿检、Paramed 体检和 EKG）的情况下获得我们的最佳等级。61–65 岁的申请人，保额不超过 $250,000（含）的仍可使用 EZ Underwriting。

Applicants ages 18–50 applying for face amounts between $3,000,001 and including $5,000,000 and ages 51–60 applying for face amounts between $1,000,001 and including $3,000,000 may be eligible for our best class without the need to complete medical requirements (blood profile, urinalysis, paramedical exam, and EKG). EZ Underwriting remains available for face amounts up to and including $250,000 for applicants ages 61–65.

代理人需要了解什么？What does the agent need to know?

NLG 会审核投保申请书中客户的财务和医疗信息，并与多个风险评估数据库交叉核对，例如：

NLG will review your client’s financial and medical information contained in the application, cross-referencing the information with several risk assessment databases such as:

  • Medical Information Bureau（MIB，医疗信息局）
  • Milliman Intelliscript® 处方数据、医疗理赔数据及犯罪记录数据
  • LabPiQture，提供临床化验结果
  • Motor Vehicle Report（机动车驾驶记录，MVR）
  • Medical Information Bureau (MIB)
  • Milliman Intelliscript® Prescription Data, Medical Claims Data, and Criminal History Data
  • LabPiQture, providing clinical laboratory results
  • Motor Vehicle Report
你知道吗？Did you know?
  • 投保申请书自签署之日起 6 个月内有效
    • 距最近一次健康证明（申请书健康部分）超过 90 天的，需要提交 Statement of Health（健康声明，按所在州使用相应的 form 5230）
  • Rewrite（重新出单）：保单可在申请书签署之日起 120 天内 Rewrite。
  • An application is good for 6 months from the application signing date
    • A Statement of Health (form 5230 for appropriate state) will be required after 90 days of the date of last evidence (health section of application)
  • Rewrites: A policy can be rewritten up to 120 days from the application signing date.
pp. 19–20简化核保产品（RapidProtect/RapidProtect NL，指数型万能寿险 IUL）Simplified Underwriting Products (RapidProtect/RapidProtect NL — Indexed Universal Life (IUL))

National Life Group 很荣幸推出 RapidProtect，这是一款可即时给出核保决定的简化签发（simplified issue）IUL 产品。客户只需回答几道申请问题、无需体检，就能以快速便捷的投保体验获得有价值的保障。

National Life Group is proud to offer RapidProtect, a simplified issue IUL product with an instant underwriting decision. Your client may qualify for valuable protection using a quick and easy customer experience — only answering a few application questions and no medical exam.

RapidProtect 适用于 60 岁及以下、申请保额在 $50,000 至 $500,000 之间的申请人。可选等级有 Standard Non-Tobacco（标准非吸烟）和 Standard Tobacco（标准吸烟），以及次标准的 Express Non-Tobacco 1 和 Express Tobacco 等级。

RapidProtect is available to applicants up to age 60, applying for face amounts between $50,000 and $500,000. Standard Non-Tobacco and Standard Tobacco classes are available as well as substandard Express Non-Tobacco 1 and Express Tobacco classes.

现行规定请参阅该产品的年龄与保额对照表。（最新清单见 NLG 官网。）

Please consult the product's age and face amount grid for current guidelines. (See NLG's website for current listing).

申请以下保额的申请人：Applicants Applying for the Following Face Amounts:

费率等级Rate Classes保额Face Amount年龄Ages
Standard NT$50,000–$500,0000–60
Express Standard NT 1$50,000–$500,0000–60
Standard Tobacco$50,000–$500,00018–60
Express Standard Tobacco$50,000–$500,00018–60

不提供 Table rating 和 Flat extra。
Express Standard 等级不能附加 ABR（加速给付附加条款）。

Table ratings and flat extras are not available.
ABRs are not available with Express Standard classes.

代理人需要了解什么？What does the agent need to know?

NLG 会审核投保申请书中客户的财务和医疗信息，并与多个风险评估数据库交叉核对，例如：

NLG will review your client’s financial and medical information contained in the application, cross-referencing the information with several risk assessment databases such as:

  • Medical Information Bureau（MIB，医疗信息局）
  • Milliman Intelliscript® 处方数据、医疗理赔数据及犯罪记录数据
  • Motor Vehicle Report（机动车驾驶记录，MVR）
  • Medical Information Bureau (MIB)
  • Milliman Intelliscript® Prescription Data, Medical Claims Data, and Criminal History Data
  • Motor Vehicle Report

可能的核保结果Potential Underwriting Outcomes

并非所有医疗状况或非医疗状况都符合 RapidProtect 的投保条件。以下清单分别列举了不符合条件和符合条件的情况示例。两份清单都没有穷尽所有情况，最终能否投保取决于每个案子的具体细节。

Not all medical conditions or non-medical conditions will qualify for RapidProtect. The following lists of impairments represent examples that will not qualify and other impairments that will qualify. Neither list is intended to be all-inclusive and specific details of each case will determine final eligibility.

不符合条件的状况／问题Non-Qualifying Conditions/Issues

有以下健康问题或情况的人士不应递交申请。本清单并未穷尽所有情况。

Applications should not be written on persons with the following impairments/issues. This list is not intended to be all inclusive.

医疗状况Medical Conditions
肌萎缩侧索硬化症（ALS，渐冻症）ALS (Lou Gehrig's Disease)充血性心力衰竭Congestive Heart Failure器官移植Organ Transplant
酗酒（酒精依赖）Alcoholism克罗恩病Crohn's Disease心脏起搏器／除颤器Pacemaker/Defibrillator
阿尔茨海默病或痴呆症Alzheimer's Disease or Dementia1 型糖尿病Diabetes, Type 1帕金森病Parkinson's Disease
自闭症Autism透析Dialysis瘫痪Paralysis
癌症（基底细胞癌除外）Cancer (except Basal Cell Carcinoma)过去 3 个月内做过诊断性检查（结肠镜、子宫颈抹片或乳房 X 光检查除外）Diagnostic testing in the last 3 months except for colonoscopy, pap smear, or mammogram周围血管疾病Peripheral Vascular Disease
心律失常Cardiac arrhythmias唐氏综合征Down's syndrome多囊肾Polycystic Kidney Disease
冠状动脉疾病／心脏病发作Coronary artery disease/heart attack心脏瓣膜疾病Heart valve disorders结节病Sarcoidosis
慢性肾病Chronic Kidney DiseaseHIV／艾滋病HIV/AIDS中风（CVA 脑血管意外或 TIA 短暂性脑缺血发作）Stroke (CVA or TIA)
慢性阻塞性肺病（COPD）Chronic Obstructive Pulmonary Disease (COPD)过去 12 个月内住过院（分娩除外）Hospital admission in past 12 months (except childbirth)自杀未遂Suicide attempt
肝硬化Cirrhosis of the liver智力障碍Intellectual Disability溃疡性结肠炎Ulcerative Colitis
非医疗风险Non-Medical Risks
驾照目前被暂扣或吊销Driver's license currently suspended or revoked一次轻罪定罪，且缓刑期结束未满 1 年Single misdemeanor conviction with less than 1 year since the end of probation
过去一年内有一次 DUI（酒后驾车）Single DUI within the past year多次轻罪定罪，且最近一次定罪距今不足 7 年Multiple misdemeanor convictions with the last conviction less than 7 years ago
过去 5 年内有多次 DUIMultiple DUIs within the past 5 years失能（因心理健康或其他医疗问题领取 SSDI 或 DI）Disability (receiving SSDI or DI due to mental health or other medical issues)
有尚未审结的刑事指控Criminal charges pending暴力犯罪行为Violent criminal activity
任何重罪定罪Any felony conviction

符合条件的状况／问题Qualifying Conditions/Issues

以下健康问题有可能获得 RapidProtect 承保。本清单并未穷尽所有情况。

The following impairments may qualify for coverage under RapidProtect. This list is not intended to be all-inclusive.

医疗状况Medical Conditions

以下可投保情况是按申请人处于最佳状态（治疗、控制等）且无并发症的前提列出的。最终评级取决于案子的具体情况。

Possible eligibility is presented assuming the applicant's best possible condition (treatment, control, etc.) without complications. Specific case details will dictate final rating.

轻度缺铁性贫血（已彻查并已痊愈）Anemia, mild iron-deficient (fully investigated and resolved)
轻度焦虑症（稳定且控制良好 ≥ 6 个月，视年龄而定）Anxiety, mild (stable & well-controlled ≥ 6 months, depends on age)
轻度哮喘（视年龄、发作情况和用药而定）Asthma, mild (depends on age, attacks, medications)
轻度背部疾病／背痛（未致残，视控制疼痛所用阿片类药物的使用情况／用量而定）Back disorder/pain, mild (non-disabling, depends on use/amount of opiods for control)
基底细胞癌Basal Cell Carcinoma
轻度支气管扩张（未手术，无并发症）Bronchiectasis, mild (no surgery or complications)
脑瘫（年龄 > 8 岁，无癫痫或智力障碍）Cerebral Palsy (age > 8 years, no epilepsy or intellectual disability)
膀胱炎（已完全康复，无并发症）Cystitis (fully recovered, no complications)
轻度抑郁症（稳定且控制良好 ≥ 6 个月，视年龄而定）Depression, mild (stable & well-controlled ≥ 6 months, depends on age)
2 型糖尿病（控制良好，无并发症）Diabetes, Type 2 (well controlled, without complications)
癫痫（视年龄、治疗情况而定）Epilepsy (depends on age, treatment)
轻度纤维肌痛（目前未使用麻醉类药物）Fibromyalgia, mild (no current narcotic medication use)
胆囊疾病（完全康复 > 3 个月，无并发症）Gall bladder disorder (fully recovered > 3 months, no complications)
胃绕道手术（视手术方式而定，术后 > 6 个月，无并发症）Gastric bypass (varies based on procedure, > 6 months since surgery, no complications)
妊娠期糖尿病，目前未怀孕（无并发症）Gestational diabetes, not currently pregnant (no complications)
青光眼（已矫正，无并发症）Glaucoma (corrected, no complications)
轻度痛风（仅使用 NSAID 类药物，无身体功能障碍或并发症）Gout, mild (only NSAID use, no physical impairments or complications)
慢性乙型肝炎（已治疗并已痊愈）Hepatitis B, chronic (treated and resolved)
慢性丙型肝炎（已治疗并已痊愈）Hepatitis C, chronic (treated and resolved)
高血压（控制良好）Hypertension (well controlled)
甲状腺功能亢进（已彻查，控制良好且稳定，无并发症）Hyperthyroid (fully investigated, well controlled & stable, no complications)
甲状腺功能减退（控制良好且稳定，无并发症）Hypothyroid (well controlled and stable, no complications)
关节置换（已完全康复，术后 > 3 个月，无并发症）Joint replacement (fully recovered, > 3 months since surgery, no complications)
系统性红斑狼疮（轻度，无并发症）Lupus, systemic (mild with no complications)
盘状红斑狼疮（仅限皮肤；处于缓解期，未使用类固醇）Lupus, discoid (skin only; in remission, no steroid use)
脑膜炎（完全康复 > 6 个月，无并发症）Meningitis (fully recovered > 6 months, no complications)
偏头痛（轻度，已彻查且稳定，无并发症）Migraine headaches (mild, fully investigated & stable with no complications)
轻度骨关节炎（未致残，无并发症，治疗中未使用阿片类药物）Osteoarthritis, mild (non-disabiling, no complications or opiod use for treatment)
目前怀孕（过去和现在均无并发症）Pregnancy, current (no complications - past or present)
良性前列腺增生（症状轻微，无梗阻，无并发症）Prostatic hypertrophy, benign (minor symptoms, no obstruction nor complications)
前列腺炎（症状轻微，无并发症）Prostatitis (mild symptoms, no complications)
雷诺病（已完全康复，距最近一次并发症 > 2 年，无并发症）Raynaud’s disease (full recovery, > 2 years since last complication, no complications)
类风湿性关节炎（未致残，视年龄而定）Rheumatoid arthritis (no disability — depends on age)
风湿热（无心脏杂音、心脏损伤或其他并发症）Rheumatic fever (no murmur, heart damage or other complications)
睡眠呼吸暂停（坚持使用 CPAP，无并发症）Sleep Apnea (consistent CPAP use, no complications)
肺结核（已彻查，完全康复，无并发症或后遗症）Tuberculosis (fully investigated, complete recovery with no complications nor residuals)
静脉曲张（位于腿部，无并发症）Varicose veins (located in leg with no complications)
p. 21寿险核保要求：SummitLife/Advanced Markets IULLife Underwriting Requirements — SummitLife/Advanced Markets IUL

SummitLife/Advanced Markets IUL（纽约州不适用）SummitLife/Advanced Markets IUL (Not Available in NY)

投保金额Underwriting Amount投保年龄1Issue Ages1
0–1718–3031–4041–5051–6061–6566–6970+
$1,000,000AAAAADDME/APS
$1,000,001 – $2,000,000A/APSAAADD/APSD/APSME/APS
$2,000,001 – $3,000,000A/APSAAA/APSD/APSD/APSD/APSME/APS
$3,000,001 – $5,000,000A/APSDDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000A/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpA/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS

类别／体检要求Category / Medical Requirements

A投保申请书Application
D投保申请书、体检（Exam）、血液检查、尿检Application, Exam, Blood Profile, Urine
M投保申请书、体检、血液检查、尿检、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, Mature Assessment
ME投保申请书、体检、血液检查、尿检、EKG（心电图）、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
APSAttending Physician Statement（主治医生报告）Attending Physician Statement

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓
（70 岁及以上）(age 70+)		✓
（18 岁及以上）(age 18+)
EIE-Inspection（电子背景调查报告）E-Inspection
CFQConfidential Financial Questionnaire（保密财务问卷，Form 1392）Confidential Financial Questionnaire (Form 1392)
IVIncome Verification（收入核实，见第 12 页）Income Verification (see page 12)
TPVThird Party-Verification Financials（第三方核实的财务资料，见第 12 页）Third Party-Verification Financials (see page 12)

可选费率等级2,3Available Rate Classes2,3

费率等级Rate Classes保额*Face Amount*年龄1Ages1
Elite所有保额All Face Amounts18–75
Preferred NT所有保额All Face Amounts18–85
Select NT所有保额All Face Amounts18–85
Standard NT所有保额All Face Amounts0–85
Express Standard NT 1总保额 ≤ $2MTotal Face ≤ $2M0–85
Express Standard NT 2总保额 ≤ $2MTotal Face ≤ $2M18–85
Preferred Tobacco所有保额All Face Amounts18–85
Standard Tobacco所有保额All Face Amounts18–85
Express Standard Tobacco总保额 ≤ $2MTotal Face ≤ $2M18–85

次标准评级（Substandard Ratings）Substandard Ratings

非吸烟（Non-Tobacco）Non-Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard NT 和 Express 各等级Available with Standard NT and Express classes可用于 Standard NT，和／或与 Table rating 叠加Available with Standard NT and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard NT 1Available with Express Standard NT 1 only可用于 Standard NT，并可与临时性 Flat extra 叠加Available with Standard NT and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)仅适用于 Express Standard NT 2Available with Express Standard NT 2 only
吸烟（Tobacco）Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard Tobacco 和 Express Tobacco 各等级Available with Standard Tobacco and Express Tobacco classes可用于 Standard Tobacco，和／或与 Table rating 叠加Available with Standard Tobacco and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard TobaccoAvailable with Express Standard Tobacco only可用于 Standard Tobacco，并可与临时性 Flat extra 叠加Available with Standard Tobacco and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)不提供Not Available不提供Not Available

* 最低保额 $1,000,000

* Minimum Face $1,000,000

1 年龄按最近生日计算（Age Nearest Birthday）

1 Age Nearest Birthday

2 各费率等级及可投保年龄请参阅具体产品资料

2 See product specific information for rate classes and ages available

3 适用的未成年人费率请参阅产品规格说明

3 See product specifications for applicable juvenile rates

p. 22寿险核保要求：PeakLife NL/Advanced Markets IULLife Underwriting Requirements — PeakLife NL/Advanced Markets IUL

PeakLife NL/Advanced Markets IUL（仅限纽约州）PeakLife NL/Advanced Markets IUL (Available in NY Only)

投保金额Underwriting Amount投保年龄1Issue Ages1
18–3031–4041–5051–6061–6566–6970+
$1,000,000AAAADDME/APS
$1,000,001 – $2,000,000AAADD/APSD/APSME/APS
$2,000,001 – $3,000,000AAA/APSD/APSD/APSD/APSME/APS
$3,000,001 – $5,000,000DDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000D/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpD/APSD/APSD/APSD/APSD/APSD/APSME/APS

类别／体检要求Category / Medical Requirements

A投保申请书Application
D投保申请书、体检（Exam）、血液检查、尿检Application, Exam, Blood Profile, Urine
M投保申请书、体检、血液检查、尿检、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, Mature Assessment
ME投保申请书、体检、血液检查、尿检、EKG（心电图）、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
APSAttending Physician Statement（主治医生报告）Attending Physician Statement

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓
（70 岁及以上）(age 70+)		✓
（18 岁及以上）(age 18+)
EIE-Inspection（电子背景调查报告）E-Inspection
CFQConfidential Financial Questionnaire（保密财务问卷，Form 1392）Confidential Financial Questionnaire (Form 1392)
IVIncome Verification（收入核实，见第 12 页）Income Verification (see page 12)
TPVThird Party-Verification Financials（第三方核实的财务资料，见第 12 页）Third Party-Verification Financials (see page 12)

可选费率等级2Available Rate Classes2

费率等级Rate Classes保额*Face Amount*年龄1Ages1
Elite所有保额All Face Amounts18–75
Preferred NT所有保额All Face Amounts18–85
Select NT所有保额All Face Amounts18–85
Standard NT所有保额All Face Amounts18–85
Express Standard NT 1总保额 ≤ $2MTotal Face ≤ $2M18–85
Express Standard NT 2总保额 ≤ $2MTotal Face ≤ $2M18–85
Preferred Tobacco所有保额All Face Amounts18–85
Standard Tobacco所有保额All Face Amounts18–85
Express Standard Tobacco总保额 ≤ $2MTotal Face ≤ $2M18–85

次标准评级（Substandard Ratings）Substandard Ratings

非吸烟（Non-Tobacco）Non-Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard NT 和 Express 各等级Available with Standard NT and Express classes可用于 Standard NT，和／或与 Table rating 叠加Available with Standard NT and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard NT 1Available with Express Standard NT 1 only可用于 Standard NT，并可与临时性 Flat extra 叠加Available with Standard NT and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)仅适用于 Express Standard NT 2Available with Express Standard NT 2 only
吸烟（Tobacco）Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard Tobacco 和 Express Tobacco 各等级Available with Standard Tobacco and Express Tobacco classes可用于 Standard Tobacco，和／或与 Table rating 叠加Available with Standard Tobacco and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard TobaccoAvailable with Express Standard Tobacco only可用于 Standard Tobacco，并可与临时性 Flat extra 叠加Available with Standard Tobacco and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)不提供Not Available不提供Not Available

* 最低保额 $1,000,000

* Minimum Face $1,000,000

1 年龄按最近生日计算（Age Nearest Birthday）

1 Age Nearest Birthday

2 各费率等级及可投保年龄请参阅具体产品资料

2 See product specific information for rate classes and ages available

p. 23寿险核保要求：Living Life Defender IULLife Underwriting Requirements — Living Life Defender IUL

Living Life Defender IUL（纽约州不适用）Living Life Defender IUL (Not available in NY)

投保金额Underwriting Amount投保年龄1Issue Ages1
0–1718–3031–4041–5051–6061–6566–6970+
$250,000 及以下Through $250,000AAAAAADME/APS
$250,001 – $1,000,000AAAAADDME/APS
$1,000,001 – $2,000,000A/APSAAADD/APSD/APSME/APS
$2,000,001 – $3,000,000A/APSAAA/APSD/APSD/APSD/APSME/APS
$3,000,001 – $5,000,000A/APSDDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000A/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpA/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS

类别／体检要求Category / Medical Requirements

A投保申请书Application
D投保申请书、体检（Exam）、血液检查、尿检Application, Exam, Blood Profile, Urine
M投保申请书、体检、血液检查、尿检、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, Mature Assessment
ME投保申请书、体检、血液检查、尿检、EKG（心电图）、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
APSAttending Physician Statement（主治医生报告）Attending Physician Statement

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓
（70 岁及以上）(age 70+)		✓
（18 岁及以上）(age 18+)
EIE-Inspection（电子背景调查报告）E-Inspection
CFQConfidential Financial Questionnaire（保密财务问卷，Form 1392）Confidential Financial Questionnaire (Form 1392)
IVIncome Verification（收入核实，见第 12 页）Income Verification (see page 12)
TPVThird Party-Verification Financials（第三方核实的财务资料，见第 12 页）Third Party-Verification Financials (see page 12)

可选费率等级2Available Rate Classes2

费率等级Rate Classes保额*Face Amount*年龄1Ages1
Elite所有保额All Face Amounts18–75
Preferred NT所有保额All Face Amounts18–85
Select NT所有保额All Face Amounts18–85
Standard NT所有保额All Face Amounts0–85
Express Standard NT 1总保额 ≤ $3MTotal Face ≤ $3M0–85
Express Standard NT 2总保额 ≤ $3MTotal Face ≤ $3M18–85
Preferred Tobacco所有保额All Face Amounts18–85
Standard Tobacco所有保额All Face Amounts18–85
Express Standard Tobacco总保额 ≤ $3MTotal Face ≤ $3M18–85

次标准评级（Substandard Ratings）Substandard Ratings

非吸烟（Non-Tobacco）Non-Tobacco
次标准评级Substandard Ratings总保额 ≤ $3MTotal Face ≤ $3M总保额 > $3MTotal Face > $3M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard NT 和 Express 各等级Available with Standard NT and Express classes可用于 Standard NT，和／或与 Table rating 叠加Available with Standard NT and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard NT 1Available with Express Standard NT 1 only可用于 Standard NT，并可与临时性 Flat extra 叠加Available with Standard NT and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)仅适用于 Express Standard NT 2Available with Express Standard NT 2 only
吸烟（Tobacco）Tobacco
次标准评级Substandard Ratings总保额 ≤ $3MTotal Face ≤ $3M总保额 > $3MTotal Face > $3M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard Tobacco 和 Express Tobacco 各等级Available with Standard Tobacco and Express Tobacco classes可用于 Standard Tobacco，和／或与 Table rating 叠加Available with Standard Tobacco and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard TobaccoAvailable with Express Standard Tobacco only可用于 Standard Tobacco，并可与临时性 Flat extra 叠加Available with Standard Tobacco and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)不提供Not Available不提供Not Available

* 最低保额 $50,000

* Minimum Face $50,000

1 投保年龄按最近生日计算（Issue Age Nearest Birthday）

1 Issue Age Nearest Birthday

2 已知吸烟的未成年人（0–17 岁）将按 Express Standard Non-Tobacco 1 费率等级承保

2 Juveniles (0–17) known smokers will be issued in the Express Standard Non-Tobacco 1 rate class

p. 24寿险核保要求：FlexLife NLLife Underwriting Requirements — FlexLife NL

FlexLife NL（仅限纽约州）FlexLife NL (Available in NY only)

投保金额Underwriting Amount投保年龄1Issue Ages1
0–1718–3031–4041–5051–6061–6566–6970+
$250,000 及以下Through $250,000AAAAAADME/APS
$250,001 – $1,000,000AAAAADDME/APS
$1,000,001 – $2,000,000A/APSAAADD/APSD/APSME/APS
$2,000,001 – $3,000,000A/APSAAA/APSD/APSD/APSD/APSME/APS
$3,000,001 – $5,000,000A/APSDDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000A/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpA/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS

类别／体检要求Category / Medical Requirements

A投保申请书Application
D投保申请书、体检（Exam）、血液检查、尿检Application, Exam, Blood Profile, Urine
M投保申请书、体检、血液检查、尿检、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, Mature Assessment
ME投保申请书、体检、血液检查、尿检、EKG（心电图）、Mature Assessment（高龄评估）Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
APSAttending Physician Statement（主治医生报告）Attending Physician Statement

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓
（70 岁及以上）(age 70+)		✓
（18 岁及以上）(age 18+)
EIE-Inspection（电子背景调查报告）E-Inspection
CFQConfidential Financial Questionnaire（保密财务问卷，Form 1392）Confidential Financial Questionnaire (Form 1392)
IVIncome Verification（收入核实，见第 12 页）Income Verification (see page 12)
TPVThird Party-Verification Financials（第三方核实的财务资料，见第 12 页）Third Party-Verification Financials (see page 12)

可选费率等级2Available Rate Classes2

费率等级Rate Classes保额*Face Amount*年龄1Ages1
Elite所有保额All Face Amounts18–75
Preferred NT所有保额All Face Amounts18–85
Select NT所有保额All Face Amounts18–85
Standard NT所有保额All Face Amounts0–85
Express Standard NT 1总保额 ≤ $2MTotal Face ≤ $2M0–85
Express Standard NT 2总保额 ≤ $2MTotal Face ≤ $2M18–85
Preferred Tobacco所有保额All Face Amounts18–85
Standard Tobacco所有保额All Face Amounts18–85
Express Standard Tobacco总保额 ≤ $2MTotal Face ≤ $2M18–85

次标准评级（Substandard Ratings）Substandard Ratings

非吸烟（Non-Tobacco）Non-Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard NT 和 Express 各等级Available with Standard NT and Express classes可用于 Standard NT，和／或与 Table rating 叠加Available with Standard NT and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard NT 1Available with Express Standard NT 1 only可用于 Standard NT，并可与临时性 Flat extra 叠加Available with Standard NT and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)仅适用于 Express Standard NT 2Available with Express Standard NT 2 only
吸烟（Tobacco）Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久性 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时性 Flat extraTemporary Flat extras可用于 Standard Tobacco 和 Express Tobacco 各等级Available with Standard Tobacco and Express Tobacco classes可用于 Standard Tobacco，和／或与 Table rating 叠加Available with Standard Tobacco and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅适用于 Express Standard TobaccoAvailable with Express Standard Tobacco only可用于 Standard Tobacco，并可与临时性 Flat extra 叠加Available with Standard Tobacco and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)不提供Not Available不提供Not Available

* 最低保额 $50,000

* Minimum Face $50,000

1 年龄按最近生日计算（Age Nearest Birthday）

1 Age Nearest Birthday

2 各费率等级及可投保年龄请参阅具体产品资料 1 rate class

2 See product specific information for rate classes and ages available 1 rate class

p. 25核保要求：TotalSecure／BasicSecureLife Underwriting Requirements: TotalSecure, TotalSecureNL, BasicSecure and BasicSecure NL

TotalSecure、TotalSecureNL（仅在 NY 提供）TotalSecure, TotalSecureNL (Available in NY only)

BasicSecure 和 BasicSecure NL（仅在 NY 提供）BasicSecure and BasicSecure NL (Available in NY only)

核保保额Underwriting Amount投保年龄1Issue Ages1
0–1718–3031–4041–5051–6061–6566–6970+
至 $250,000Through $250,000AAAAAADME/APS
$250,001 – $1,000,000AAAAADDME/APS
$1,000,001 – $2,000,000A/APSAAADD/APSD/APSME/APS
$2,000,001 – $3,000,000A/APSAAA/APSD/APSD/APSD/APSME/APS
$3,000,001 – $5,000,000A/APSDDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000A/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpA/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS

类别／体检要求Category / Medical Requirements

  • A – 投保申请书（Application）
  • D – 投保申请书、体检（Exam）、血液检测（Blood Profile）、尿检（Urine）
  • M – 投保申请书、体检、血液检测、尿检、高龄评估（Mature Assessment）
  • ME – 投保申请书、体检、血液检测、尿检、EKG（心电图）、高龄评估
  • APS – 主治医生报告（Attending Physician Statement）
  • A – Application
  • D – Application, Exam, Blood Profile, Urine
  • M – Application, Exam, Blood Profile, Urine, Mature Assessment
  • ME – Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
  • APS – Attending Physician Statement

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓ （70 岁以上）(age 70+)✓ （18 岁以上）(age 18+)
  • EI：E-Inspection（电子背景调查）
  • CFQ：机密财务问卷（Confidential Financial Questionnaire，Form 1392）
  • IV：收入核实（Income Verification，见第 12 页）
  • TPV：第三方核实的财务资料（Third Party-Verification Financials，见第 12 页）
  • EI: E-Inspection
  • CFQ: Confidential Financial Questionnaire (Form 1392)
  • IV: Income Verification (see page 12)
  • TPV: Third Party-Verification Financials (see page 12)

可用费率等级2Available Rate Classes2

费率等级Rate Classes保额*Face Amount*年龄1Ages1
Elite所有保额All Face Amounts18–75
Preferred NT所有保额All Face Amounts18–85
Select NT所有保额All Face Amounts18–85
Standard NT所有保额All Face Amounts0–85
Express Standard NT 1总保额 ≤ $2MTotal Face ≤ $2M0–85
Express Standard NT 2总保额 ≤ $2MTotal Face ≤ $2M18–85
Preferred Tobacco所有保额All Face Amounts18–85
Standard Tobacco所有保额All Face Amounts18–85
Express Standard Tobacco总保额 ≤ $2MTotal Face ≤ $2M18–85

次标准评级（Substandard Ratings）Substandard Ratings

非烟草（Non-Tobacco）Non-Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时 Flat extraTemporary Flat extras可用于 Standard NT 和 Express 等级Available with Standard NT and Express classes可用于 Standard NT，及／或与 Table rating 同用Available with Standard NT and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅可用于 Express Standard NT 1Available with Express Standard NT 1 only可用于 Standard NT 和临时 Flat extraAvailable with Standard NT and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)仅可用于 Express Standard NT 2Available with Express Standard NT 2 only
烟草（Tobacco）Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时 Flat extraTemporary Flat extras可用于 Standard Tobacco 和 Express Tobacco 等级Available with Standard Tobacco and Express Tobacco classes可用于 Standard Tobacco，及／或与 Table rating 同用Available with Standard Tobacco and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅可用于 Express Standard TobaccoAvailable with Express Standard Tobacco only可用于 Standard Tobacco 和临时 Flat extraAvailable with Standard Tobacco and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)不提供Not Available不提供Not Available

* 最低保额 $50,000
1 投保年龄按最近生日计算（Issue Age Nearest Birthday）
2 18 岁以下的烟草使用者，在 Standard NT 基础上加 200% 评级

* Minimum Face $50,000
1 Issue Age Nearest Birthday
2 200% rating added to Standard NT for tobacco users under age 18

p. 26核保要求：SurvivorLife／SurvivorLife NL SIULLife Underwriting Requirements: SurvivorLife and SurvivorLife NL SIUL

SurvivorLife 和 SurvivorLife NL SIULSurvivorLife and SurvivorLife NL SIUL

核保保额Underwriting Amount投保年龄1Issue Ages1
0–1718–3031–4041–5051–6061–6566–6970+
$250,000 – $1,000,000ADDDDDDME/APS
$1,000,001 – $2,000,000A/APSDDDDD/APSD/APSME/APS
$2,000,001 – $3,000,000A/APSDDD/APSD/APSD/APSD/APSME/APS
$3,000,001 – $5,000,000A/APSDDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000A/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpA/APSD/APSD/APSD/APSD/APSD/APSD/APSME/APS

类别／体检要求Category / Medical Requirements

  • A – 投保申请书（Application）
  • D – 投保申请书、体检（Exam）、血液检测（Blood Profile）、尿检（Urine）
  • M – 投保申请书、体检、血液检测、尿检、高龄评估（Mature Assessment）
  • ME – 投保申请书、体检、血液检测、尿检、EKG（心电图）、高龄评估
  • APS – 主治医生报告（Attending Physician Statement）
  • A – Application
  • D – Application, Exam, Blood Profile, Urine
  • M – Application, Exam, Blood Profile, Urine, Mature Assessment
  • ME – Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
  • APS – Attending Physician Statement
  • 本产品采用完整体检核保（full medical underwriting），两位被保险人都须按此办理（参阅要求表）
  • 不能通过 eApp 流程投保，只接受纸质申请
  • This product will be available under full medical underwriting, required of both insureds (refer to Requirement Chart)
  • Application is not available through eApp process. Paper only

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓ （70 岁以上）(age 70+)✓ （18 岁以上）(age 18+)
  • EI：E-Inspection（电子背景调查）
  • CFQ：机密财务问卷（Confidential Financial Questionnaire，Form 1392）
  • IV：收入核实（Income Verification，见第 12 页）
  • TPV：第三方核实的财务资料（Third Party-Verification Financials，见第 12 页）
  • EI: E-Inspection
  • CFQ: Confidential Financial Questionnaire (Form 1392)
  • IV: Income Verification (see page 12)
  • TPV: Third Party-Verification Financials (see page 12)

可用费率等级Available Rate Classes

费率等级Rate Classes保额Face Amount年龄1Ages1
Elite所有保额All Face Amounts18–75
Preferred NT所有保额All Face Amounts18–85
Select NT所有保额All Face Amounts18–85
Standard NT所有保额All Face Amounts0–85
Preferred Tobacco所有保额All Face Amounts18–85
Standard Tobacco所有保额All Face Amounts18–85
Uninsurable（不可承保）Uninsurable所有保额All Face Amounts0–85

次标准评级（Substandard Ratings）Substandard Ratings

150% – Table B225% – Table E
175% – Table C250% – Table F
200% – Table D300% – Table H
  • 18–69 岁：所有次标准评级均可用。
  • 0–17 岁及 70–75 岁：只可用 Table B、C、D2
  • 76–85 岁：必须评为 Standard 或更好
  • Ages 18–69: All substandard ratings are available.
  • Ages 0–17 & 70–75: Only Tables B, C, & D are available2
  • Ages 76–85: Must be rated Standard or better

如其中一位被保险人不可承保（uninsurable），另一位必须评为 200% 或更好。

If one life is uninsurable, the other must be rated 200% or better.

  • 不提供 Express 等级。
  • Table rating 和永久 Flat extra 适用于所有费率等级。临时 Flat extra 适用于 Standard 等级。
  • Express classes are not available.
  • Table ratings and permanent flat extras are available with all rate classifications. Temporary flat extras are available with Standard classes.

* 最低保额 $250,000
1 投保年龄按最近生日计算（Issue Age Nearest Birthday）
2 18 岁以下的烟草使用者，在 Standard NT 基础上加 200% 评级

* Minimum Face $250,000
1 Issue Age Nearest Birthday
2 200% rating added to Standard NT for tobacco users under age 18

p. 27核保要求：Term LSW／Term NL LifeLife Underwriting Requirements: Term LSW and Term NL Life

Term LSW 和 Term NL Life（仅在 NY 提供）Term LSW and Term NL Life (Available in NY only)

核保保额Underwriting Amount投保年龄1Issue Ages1
18–3031–4041–5051–6061–6566–6970+
$100,000 - $250,000AAAAADME/APS
$250,001 – $1,000,000AAAADDME/APS
$1,000,001 – $2,000,000AAADD/APSD/APSME/APS
$2,000,001 – $5,000,000DDD/APSD/APSD/APSD/APSME/APS
$5,000,001 – $10,000,000D/APSD/APSD/APSD/APSD/APSD/APSME/APS
$10,000,001 及以上$10,000,001 & UpD/APSD/APSD/APSD/APSD/APSD/APSME/APS

可用费率等级Available Rate Classes

费率等级Rate Classes保额Face Amount投保年龄1Issue Ages1
ART10 YR15 YR20 YR30 YR
Elite所有保额All Face Amounts18–8518–7518–7518–7018–55
Preferred NT所有保额All Face Amounts18–8518–7518–7518–7018–55
Standard NT所有保额All Face Amounts18–8518–7518–7518–7018–55
Express Standard NT 1总保额 ≤ $2MTotal Face ≤ $2M18–8518–7518–7518–7018–55
Express Standard NT 2总保额 ≤ $2MTotal Face ≤ $2M18–8518–7518–7518–6518–55
Preferred Tobacco所有保额All Face Amounts18–8518–7518–7018–6518–50
Standard Tobacco所有保额All Face Amounts18–8518–7518–7018–6518–50
Express Standard Tobacco总保额 ≤ $2MTotal Face ≤ $2M18–8518–7518–7018–6518–50

类别／体检要求Category / Medical Requirements

  • A – 投保申请书（Application）
  • D – 投保申请书、体检（Exam）、血液检测（Blood Profile）、尿检（Urine）
  • M – 投保申请书、体检、血液检测、尿检、高龄评估（Mature Assessment）
  • ME – 投保申请书、体检、血液检测、尿检、EKG（心电图）、高龄评估
  • APS – 主治医生报告（Attending Physician Statement）
  • A – Application
  • D – Application, Exam, Blood Profile, Urine
  • M – Application, Exam, Blood Profile, Urine, Mature Assessment
  • ME – Application, Exam, Blood Profile, Urine, EKG, Mature Assessment
  • APS – Attending Physician Statement

财务核保要求Financial Underwriting Requirements

$2,000,001+$5,000,001+$10,000,001+
EI✓✓✓
CFQ—✓✓
IV——✓
TPV—✓ （70 岁以上）(age 70+)✓ （18 岁以上）(age 18+)
  • EI：E-Inspection（电子背景调查）
  • CFQ：机密财务问卷（Confidential Financial Questionnaire，Form 1392）
  • IV：收入核实（Income Verification，见第 12 页）
  • TPV：第三方核实的财务资料（Third Party-Verification Financials，见第 12 页）
  • EI: E-Inspection
  • CFQ: Confidential Financial Questionnaire (Form 1392)
  • IV: Income Verification (see page 12)
  • TPV: Third Party-Verification Financials (see page 12)

次标准评级（Substandard Ratings）Substandard Ratings

非烟草（Non-Tobacco）Non-Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时 Flat extraTemporary Flat extras可用于 Standard NT 和 Express 等级Available with Standard NT and Express classes可用于 Standard NT，及／或与 Table rating 同用Available with Standard NT and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅可用于 Express Standard NT 1Available with Express Standard NT 1 only可用于 Standard NT 和临时 Flat extraAvailable with Standard NT and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)仅可用于 Express Standard NT 2Available with Express Standard NT 2 only
烟草（Tobacco）Tobacco
次标准评级Substandard Ratings总保额 ≤ $2MTotal Face ≤ $2M总保额 > $2MTotal Face > $2M
永久 Flat extraPermanent Flat extras所有费率等级All rate classes所有费率等级All rate classes
临时 Flat extraTemporary Flat extras可用于 Standard Tobacco 和 Express Tobacco 等级Available with Standard Tobacco and Express Tobacco classes可用于 Standard Tobacco，及／或与 Table rating 同用Available with Standard Tobacco and/or with table ratings
Table rating 最高 200%（Table B 至 D）Table Ratings up to 200% (table B to D)仅可用于 Express Standard TobaccoAvailable with Express Standard Tobacco only可用于 Standard Tobacco 和临时 Flat extraAvailable with Standard Tobacco and temporary flat extras
Table rating 225%–300%（Table E 至 H）Table Ratings 225%–300% (table E to H)不提供Not Available不提供Not Available

* 最低保额 $100,000
1 投保年龄按最近生日计算（Issue Age Nearest Birthday）

* Minimum Face $100,000
1 Issue Age Nearest Birthday

p. 28核保费率等级说明Underwriting Rate Classes Explained

Elite Preferred Non-TobaccoElite Preferred Non-Tobacco

见后续页面的标准。

See guidelines on next pages.

Preferred Non-TobaccoPreferred Non-Tobacco

见后续页面的标准。

See guidelines on next pages.

Select Non-TobaccoSelect Non-Tobacco

适用于未满足 Preferred 全部条件、但符合特别的「standard plus（标准加）」条件的客户；这是一个价格优惠的非烟草／非尼古丁等级。

Offered for those clients who do not meet all criteria for preferred but meet the special standard “plus” criteria for this well-priced non-tobacco/non-nicotine class.

Standard Non-TobaccoStandard Non-Tobacco

为属于标准风险、且过去 12 个月内未使用烟草或尼古丁产品的申请人提供有竞争力的费率。如需另加 Table rating，做带评级的非烟草等级 illustration（利益演示）时，以此费率等级为基础。

Offers competitive rates for applicants who are standard risk and have not used tobacco or nicotine products within the past 12 months. If additional table ratings are applicable, use this rate class as the platform for non-tobacco class illustrations with ratings.

Express Standard Non-Tobacco 1Express Standard Non-Tobacco 1

适用于不使用含烟草或尼古丁产品、原本会被评为次标准体、但评级在四个 Table 以内（含）即可承保的申请人。是否提供视产品而定。

Available to applicants who do not use products containing tobacco or nicotine that qualify with rating of four tables or less who would otherwise be substandard. Limited availability by product.

Table rating1 换算为百分比评级Table Ratings1 converted to Percent Ratings

Table 2Table B150%
Table 3Table C175%
Table 4Table D200%
Table 5Table E225%
Table 6Table F250%
Table 8Table H300%

评级演示时，非吸烟（Non-Smoker）客户以 Standard 或 Verified Standard 等级为基础，烟草使用者以 Standard Tobacco 等级为基础。部分产品可能显示为 Standard Tobacco 或 Standard Smoker。具体可用的费率等级请参阅产品指南。

Ratings are illustrated using Standard or Verified Standard class as the platform for Non-Smoker clients or using Standard Tobacco class as the platform for tobacco users. Some products may show Standard Tobacco vs. Standard Smoker. Please refer to product guides for specific rate classes available.

Express Standard Non-Tobacco 2Express Standard Non-Tobacco 2

适用于不使用含烟草或尼古丁产品、评级在 225% 至 300% 即可承保的申请人。不可附加 Living Benefits 和 Lifetime Income Benefit 附加条款（rider）。是否提供视产品而定。

Available to applicants who do not use products containing tobacco or nicotine that qualify with rating of 225% to 300%. Living Benefits and Lifetime Income Benefit Riders are not available. Limited availability by product.

Preferred TobaccoPreferred Tobacco

适用于使用含烟草或尼古丁产品、但符合其他全部 Preferred 标准的申请人（见后续页面）。

Available to applicants who use products containing tobacco or nicotine but meet all the other preferred guidelines (see following pages).

Standard TobaccoStandard Tobacco

使用烟草或尼古丁产品、且不符合 Preferred 标准的申请人，使用此费率等级。如需另加 Table rating，做带评级的烟草等级 illustration 时，以此费率等级为基础。

Applicants who use tobacco or nicotine products that do not otherwise meet the preferred guidelines will use this rate class. If additional table ratings are applicable, use this rate class as the platform for tobacco class illustrations with ratings.

Express Standard TobaccoExpress Standard Tobacco

适用于评级在四个 Table 以内（含）的烟草使用者。是否提供视产品而定。

Available to tobacco users that rate four tables or less. Limited availability by product.

烟草使用包括*Tobacco Use Includes*

槟榔（Betel Nut）Betel Nut尼古丁口香糖（Nicotine Gum）Nicotine Gum
嚼烟（Chewing Tobacco）Chewing Tobacco尼古丁贴片（Nicotine Patch）Nicotine Patch
香烟（Cigarettes）Cigarettes尼古丁袋（Nicotine Pouches，Zyn™）Nicotine Pouches (Zyn™)
雪茄（Cigars）Cigars烟斗（Pipe）Pipe
电子烟（E-Cigarettes）E-Cigarettes雾化电子烟（Vaping）Vaping
水烟（Hookah）Hookah

* 视吸食方式和使用频率，使用大麻也可能适用烟草费率。

*Tobacco rates may be applicable for marijuana use depending on delivery method and frequency of use.

1 参见各产品的专属表格

1 See product-specific tables

p. 29加速核保 Elite／Preferred／Select 标准（永久型产品）Accelerated Elite/Preferred/Select Criteria (Permanent Products)

EZ Underwriting（加速核保）EZ Underwriting

Elite
非烟草Non-Tobacco		Preferred
非烟草与烟草Non-Tobacco and Tobacco		Select
非烟草Non-Tobacco
烟草或尼古丁使用Tobacco or Nicotine Use过去 60 个月内未使用任何形式的烟草或尼古丁。No use of tobacco or nicotine of any kind within last 60 months.非烟草：过去 36 个月内未使用任何形式的烟草或尼古丁。1
烟草：允许使用符合条件的烟草产品。1Non Tobacco: No use of tobacco or nicotine of any kind within last 36 months.1
Tobacco: Use of qualifying tobacco products are allowed.1		过去 12 个月内未使用任何形式的烟草或尼古丁。No use of tobacco or nicotine of any kind within last 12 months.
家族史Family History父母或兄弟姐妹中无人在 65 岁之前死于冠心病或癌症。No family history (parents or siblings) of death from coronary heart disease or cancer prior to age 65.父母或兄弟姐妹中无人在 60 岁之前死于冠心病或癌症。No family history (parents or siblings) of death from coronary heart disease or cancer prior to age 60.父母或兄弟姐妹中无人在 60 岁之前死于冠心病或癌症。No family history (parents or siblings) of death from coronary heart disease or cancer prior to age 60.
健康史Health History标准风险，且本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，且本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，目前无处于临界状态的健康问题。目前无可被加费评级（ratable）的病史。Standard risks with no current borderline medical problems. No currently ratable medical history.
驾驶记录Driving History5 年内无鲁莽驾驶（包括无严重超速）或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过一次。No reckless driving (includes no excessive speed) or alcohol-related moving violation within 5 years, no license suspension within 3 years, and no more than one moving violation within last 3 years.5 年内无鲁莽驾驶或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过两次。2No reckless driving or alcohol-related moving violation within 5 years, no license suspension within 3 years, and no more than two moving violations within last 3 years.25 年内无鲁莽驾驶或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过三次。No reckless driving or alcohol-related moving violation within 5 years, no license suspension within 3 years, and no more than three moving violations within last 3 years.
处方药记录Prescription Drug History过去 5 年内未因心脏病、癌症、情绪障碍、类风湿关节炎、肾病或肝病、肝炎、糖尿病、失智症、酗酒或药物滥用、肺病、自身免疫性疾病、血管疾病和神经系统疾病服药。（允许服用一种降压药和一种降胆固醇药。）No medications in past 5 years for heart disease, cancer, mood disorders, rheumatoid arthritis, kidney or liver disease, hepatitis, diabetes, dementia, alcohol or drug abuse, lung disease, autoimmune disease, vascular disease, and neurological disease. (One hypertensive medication allowed and one medication for cholesterol is allowed.)过去 5 年内未因心脏病、癌症、抑郁症、类风湿关节炎、肝病、肝炎、糖尿病、失智症、酗酒或药物滥用、肺病、自身免疫性疾病、血管疾病和神经系统疾病服药。（允许服用一种降压药和一种降胆固醇药。）No medications in past 5 years for heart disease, cancer, depression, rheumatoid arthritis, liver disease, hepatitis, diabetes, dementia, alcohol or drug abuse, lung disease, autoimmune disease, vascular disease and neurological disease. (One hypertensive medication allowed and one medication for cholesterol is allowed.)过去 5 年内未因心脏病、癌症、抑郁症、类风湿关节炎、肝病、肝炎、糖尿病、失智症、酗酒或药物滥用、肺病、自身免疫性疾病、血管疾病和神经系统疾病服药。（允许服用一种降压药和一种降胆固醇药。）No medications in past 5 years for heart disease, cancer, depression, rheumatoid arthritis, liver disease, hepatitis, diabetes, dementia, alcohol or drug abuse, lung disease, autoimmune disease, vascular disease and neurological disease. (One hypertensive medication allowed and one medication for cholesterol is allowed.)
航空／业余爱好Aviation/Avocation无航空飞行活动，无可被加费评级的高风险业余爱好或职业。美国大型航空公司的商业飞行员可以。No aviation, no ratable hazardous avocation or occupation. Commercial pilots for major U.S. carriers permitted.无航空飞行活动，无可被加费评级的高风险业余爱好或职业。美国大型航空公司的商业飞行员可以。No aviation, no ratable hazardous avocation or occupation. Commercial pilots for major U.S. carriers permitted.无可被加费评级的航空飞行活动、高风险业余爱好或职业。No ratable aviation, hazardous avocation or occupation.
酒精／药物Alcohol/Drug任何时候都无药物或酒精滥用史或相关治疗史。No history of drug or alcohol abuse or treatment at any time.过去 10 年内无药物或酒精滥用史或相关治疗史。No history of drug or alcohol abuse or treatment within last 10 years.无可被加费评级的药物或酒精滥用史。No ratable history of drug or alcohol abuse.
BMIBMI> 18.5 且 < 27.1> 18.5 and < 27.1> 18.5 且 < 29.9> 18.5 and < 29.9> 18.5 且 < 32.7> 18.5 and < 32.7

1 参见第 28 页「Tobacco Use Includes（烟草使用包括）」部分
2 18–25 岁者，如有一次行车违规按核保手册被记分，则不能给予 Preferred。

1 See "Tobacco Use Includes" section on page 28
2 For ages 18–25 if one moving violation results in points assessed by underwriting manual, preferred will not be allowed.

p. 30完整核保 Elite／Preferred／Select 标准（永久型产品）Fully Underwritten Elite/Preferred/Select Criteria (Permanent Products)
Elite Preferred
非烟草Non-Tobacco		Preferred
非烟草与烟草Non-Tobacco and Tobacco		Select
非烟草Non-Tobacco
公民身份Citizenship美国居民。*U.S. Resident.*美国居民。U.S. Resident.美国居民。U.S. Resident.
烟草或尼古丁产品2Tobacco or Nicotine Products2过去 60 个月内未使用任何形式的烟草或含尼古丁产品。目前化验尼古丁呈阴性。No use of tobacco or nicotine-containing products of any kind within the last 60 months. Current lab testing negative for nicotine.非烟草：过去 36 个月内未使用烟草或含尼古丁产品3；目前化验尼古丁呈阴性。
烟草：允许使用符合条件的烟草产品。3Non Tobacco: No use of tobacco or nicotine containing products3 within last 36 months. Current lab testing negative for nicotine.
Tobacco: Use of qualifying tobacco products are allowed.3		过去 12 个月内未使用任何形式的烟草或含尼古丁产品3。目前化验尼古丁呈阴性。No use of tobacco or nicotine-containing products3 of any kind within the past 12 months. Current lab testing negative for nicotine.
健康Health标准风险，目前无处于临界状态的健康问题。本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no current borderline medical problems. No personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，目前无处于临界状态的健康问题。本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no current borderline medical problems. No personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，目前无处于临界状态的健康问题。目前无可被加费评级的病史。Standard risk with no current borderline medical problems. No currently ratable medical history.
酒精／药物Alcohol/Drugs任何时候都无药物或酒精滥用史或相关治疗史，且目前不使用毒品。No history of drug or alcohol abuse or treatment at any time, and no current use of drugs.过去 10 年内无药物或酒精滥用史或相关治疗史，且目前不使用毒品。No history of drug or alcohol abuse or treatment within the last 10 years, and no current use of drugs.无可被加费评级的药物或酒精滥用史。No ratable history of drug or alcohol abuse.
航空／业余爱好Aviation/Avocation无航空飞行活动，无可被加费评级的高风险业余爱好或职业。这不包括大型商业航空公司飞行员或度假潜水。No aviation, no ratable hazardous avocation or occupation. This does not include major commercial airline pilots or holiday scuba diving.无航空飞行活动，无可被加费评级的高风险业余爱好或职业。这不包括大型商业航空公司飞行员或度假潜水。No aviation, no ratable hazardous avocation or occupation. This does not include major commercial airline pilots or holiday scuba diving.无可被加费评级的航空飞行活动、高风险业余爱好或职业。No ratable aviation, hazardous avocation or occupation.
家族史Family History父母中无人在 65 岁之前死于冠状动脉疾病或癌症。若申请人已满 65 岁，或该癌症为性别特异性癌症且申请人为另一性别，则此条不适用。No parental family history of death from coronary artery disease or cancer prior to age 65. Criteria does not apply if applicant has reached the age of 65 or for gender-specific cancers where the applicant is the opposite gender.父母中无人在 60 岁之前死于冠状动脉疾病或癌症。若申请人已满 60 岁，或该癌症为性别特异性癌症且申请人为另一性别，则此条不适用。No parental family history of death from coronary artery disease or cancer prior to age 60. Criteria does not apply if applicant has reached the age of 60 or for gender-specific cancers where the applicant is the opposite gender.父母中在 60 岁之前死于冠状动脉疾病或癌症者不超过一人。若申请人已满 60 岁，或该癌症为性别特异性癌症且申请人为另一性别，则此条不适用。Parental family history of no more than one death from coronary artery disease or cancer prior to age 60. Criteria does not apply if applicant has reached the age of 60 or for gender-specific cancers where the applicant is the opposite gender.
血压Blood Pressure目前血压 12 个月平均读数为 135/85 或更好。若只用一种药物治疗，可接受血压治疗。Current blood pressure with a 12-month average reading of 135/85 or better. Blood pressure treatment is acceptable if treated by only one drug.目前血压 12 个月平均读数为 140/90 或更好。若只用一种药物治疗，可接受血压治疗。Current blood pressure with a 12-month average reading of 140/90 or better. Blood pressure treatment is acceptable if treated by only one drug.目前血压 12 个月平均读数为 150/90 或更好。Current blood pressure with a 12-month average reading of 150/90 or better.
胆固醇Cholesterol目前总胆固醇／HDL 比值为 4.5 或以下；投保年龄 65 岁及以上者为 5.0 或以下。总胆固醇还必须在 260mg/dl 或以下。若只用一种药物治疗，且胆固醇／HDL 比值已维持 12 个月，可接受降胆固醇治疗。Current cholesterol/HDL ratio of 4.5 or less, or 5.0 or less for issue ages 65 and up. Cholesterol must also be 260mg/dl or less. Cholesterol treatment is acceptable if treated by only one drug and cholesterol/HDL ratio is maintained for 12 months.目前总胆固醇／HDL 比值为 5.5 或以下；投保年龄 65 岁及以上者为 6.0 或以下。总胆固醇还必须在 280mg/dl 或以下。若只用一种药物治疗，且胆固醇／HDL 比值已维持 12 个月，可接受降胆固醇治疗。Current cholesterol/HDL ratio of 5.5 or less, or 6.0 or less for issue ages 65 and up. Cholesterol must also be 280mg/dl or less. Cholesterol treatment is acceptable if treated by only one drug and cholesterol/HDL ratio is maintained for 12 months.目前总胆固醇／HDL 比值为 6.5 或以下；投保年龄 65 岁及以上者为 7.0 或以下。总胆固醇还必须在 300mg/dl 或以下。若只用一种药物治疗，且胆固醇／HDL 比值已维持 12 个月，可接受降胆固醇治疗。Current cholesterol/HDL ratio of 6.5 or less, or 7.0 or less for issue ages 65 and up. Cholesterol must also be 300mg/dl or less. Cholesterol treatment is acceptable if treated by only one drug and cholesterol/HDL ratio is maintained for 12 months.
驾驶记录Driving History五年内无鲁莽驾驶或与酒精相关的行车违规；三年内无驾照被暂扣；过去三年内行车违规不超过一次。No reckless driving or alcohol-related moving violations within five years, no license suspension within three years, and no more than one moving violation within the last three years.五年内无鲁莽驾驶或与酒精相关的行车违规；三年内无驾照被暂扣；过去三年内行车违规不超过两次。No reckless driving or alcohol-related moving violations within five years, no license suspension within three years, and no more than two moving violations within the last three years.五年内无鲁莽驾驶或与酒精相关的行车违规；三年内无驾照被暂扣；过去三年内行车违规不超过三次。No reckless driving or alcohol-related moving violations within five years, no license suspension within three years, and no more than three moving violations within the last three years.

* 部分外国公民（Foreign National）可能符合最佳等级。请参阅 Foreign National 指南。
1 可用等级请参阅 National Life 和 LSW 的产品指南。
2 不适用于 Preferred Tobacco 等级。
3 参见第 28 页「Tobacco Use Includes（烟草使用包括）」部分

* Some Foreign Nationals may qualify for best class. Please refer to Foreign National guidelines.
1 Please refer to the National Life and LSW product guides for classes available.
2 Not applicable for Preferred Tobacco class.
3 See "Tobacco Use Includes" section on page 28

p. 31加速核保 Elite／Preferred／Select 标准（Term 产品）Accelerated Elite/Preferred/Select Criteria (Term Products)

EZ Underwriting（加速核保）EZ Underwriting

Elite
非烟草Non-Tobacco		Preferred
非烟草与烟草Non-Tobacco and Tobacco		Select
非烟草Non-Tobacco
烟草或尼古丁使用Tobacco or Nicotine Use过去 60 个月内未使用任何形式的烟草或尼古丁。No use of tobacco or nicotine of any kind within last 60 months.非烟草：过去 60 个月内未使用任何形式的烟草或尼古丁。1
烟草：允许使用符合条件的烟草产品。1Non Tobacco: No use of tobacco or nicotine of any kind within last 60 months.1
Tobacco: Use of qualifying tobacco products are allowed.1		过去 36 个月内未使用任何形式的烟草或尼古丁。No use of tobacco or nicotine of any kind within last 36 months.
家族史Family History父母或兄弟姐妹中无人在 65 岁之前患冠心病或癌症。No family history (parents or siblings) of coronary heart disease or cancer prior to age 65.父母或兄弟姐妹中无人在 65 岁之前死于冠心病或癌症。No family history (parents or siblings) of death from coronary heart disease or cancer prior to age 65.父母或兄弟姐妹中无人在 60 岁之前死于冠心病或癌症。No family history (parents or siblings) of death from coronary heart disease or cancer prior to age 60.
健康史Health History标准风险，且本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，且本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，且本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).
驾驶记录Driving History5 年内无鲁莽驾驶（包括无严重超速）或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内无行车违规。No reckless driving (includes no excessive speed) or alcohol-related moving violation within 5 years, no license suspension within 3 years, and no moving violation within last 3 years.5 年内无鲁莽驾驶（包括无严重超速）或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过一次。1No reckless driving (includes no excessive speed) or alcohol-related moving violation within 5 years, no license suspension within 3 years, and no more than one moving violation within last 3 years.15 年内无鲁莽驾驶或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过两次。No reckless driving or alcohol-related moving violation within 5 years, no license suspension within 3 years, and no more than two moving violations within last 3 years.
处方药记录Prescription Drug History过去 5 年内未因心脏病、癌症、情绪障碍、类风湿关节炎、肾病或肝病、肝炎、糖尿病、失智症、酗酒或药物滥用、肺病、自身免疫性疾病、血管疾病、高血压、胆固醇治疗及／或神经系统疾病服药。No medications in past 5 years for heart disease, cancer, mood disorders, rheumatoid arthritis, kidney or liver disease, hepatitis, diabetes, dementia, alcohol or drug abuse, lung disease, autoimmune disease, vascular disease, hypertension, cholesterol treatment, and/or neurological disease.过去 5 年内未因心脏病、癌症、情绪障碍、类风湿关节炎、肾病或肝病、肝炎、糖尿病、失智症、酗酒或药物滥用、肺病、自身免疫性疾病、血管疾病及／或神经系统疾病服药。（允许服用一种降压药和一种降胆固醇药。）No medications in past 5 years for heart disease, cancer, mood disorders, rheumatoid arthritis, kidney or liver disease, hepatitis, diabetes, dementia, alcohol or drug abuse, lung disease, autoimmune disease, vascular disease and/or neurological disease. (One hypertensive medication allowed and one medication for cholesterol is allowed.)过去 5 年内未因心脏病、癌症、情绪障碍、类风湿关节炎、肾病或肝病、肝炎、糖尿病、失智症、酗酒或药物滥用、肺病、自身免疫性疾病、血管疾病及／或神经系统疾病服药。（允许服用一种降压药和一种降胆固醇药。）No medications in past 5 years for heart disease, cancer, mood disorders, rheumatoid arthritis, kidney or liver disease, hepatitis, diabetes, dementia, alcohol or drug abuse, lung disease, autoimmune disease, vascular disease and/or neurological disease. (One hypertensive medication allowed and one medication for cholesterol is allowed.)
航空／业余爱好Aviation/Avocation无航空飞行活动，无可被加费评级的高风险业余爱好或职业。美国大型航空公司的商业飞行员可以。No aviation, no ratable hazardous avocation or occupation. Commercial pilots for major US carriers permitted.无航空飞行活动，无可被加费评级的高风险业余爱好或职业。美国大型航空公司的商业飞行员可以。No aviation, no ratable hazardous avocation or occupation. Commercial pilots for major US carriers permitted.无航空飞行活动，无可被加费评级的高风险业余爱好或职业。美国大型航空公司的商业飞行员可以。No aviation, no ratable hazardous avocation or occupation. Commercial pilots for major US carriers permitted.
酒精／药物Alcohol/Drug任何时候都无药物或酒精滥用史或相关治疗史。No history of drug or alcohol abuse or treatment at any time.任何时候都无药物或酒精滥用史或相关治疗史。No history of drug or alcohol abuse or treatment at any time.过去 10 年内无药物或酒精滥用史或相关治疗史。No history of drug or alcohol abuse or treatment within last 10 years.
BMIBMI> 18.5 且 < 24.9> 18.5 and < 24.9> 18.5 且 < 27.1> 18.5 and < 27.1> 18.5 且 < 29.9> 18.5 and < 29.9

1 参见第 28 页「Tobacco Use Includes（烟草使用包括）」部分。

1 See "Tobacco Use Includes" section on page 28.

p. 32完整核保 Elite／Preferred／Select 标准（Term 产品）Fully Underwritten Elite/Preferred/Select Criteria (Term Products)
Elite Preferred
非烟草Non-Tobacco		Preferred
非烟草与烟草Non-Tobacco and Tobacco		Select
非烟草Non-Tobacco
公民身份Citizenship美国居民。*U.S. Resident.*美国居民。U.S. Resident.美国居民。U.S. Resident.
烟草或尼古丁产品1,2Tobacco or Nicotine Products1,2过去 60 个月内未使用任何形式的烟草或含尼古丁产品。目前化验尼古丁呈阴性。No use of tobacco or nicotine-containing products of any kind within the last 60 months. Current lab testing negative for nicotine.非烟草：过去 60 个月内未使用烟草或含尼古丁产品3；目前化验尼古丁呈阴性。
烟草：允许使用符合条件的烟草产品。3Non Tobacco: No use of tobacco or nicotine containing products3 within last 60 months. Current lab testing negative for nicotine.
Tobacco: Use of qualifying tobacco products are allowed.3		过去 36 个月内未使用任何形式的烟草或含尼古丁产品。目前化验尼古丁呈阴性。No use of tobacco or nicotine-containing products of any kind within the past 36 months. Current lab testing negative for nicotine.
健康史Health History标准风险，目前无处于临界状态的健康问题。本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no current borderline medical problems. No personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，目前无处于临界状态的健康问题。本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risks with no current borderline medical problems. No personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).标准风险，目前无处于临界状态的健康问题。本人无冠状动脉疾病、乙型或丙型肝炎、糖尿病、黑色素瘤或癌症（原位皮肤癌除外）病史。Standard risk with no current borderline medical problems. No personal health history of coronary artery disease, hepatitis B or C, diabetes, melanoma, or cancer (except skin cancer in situ).
酒精／药物Alcohol/Drugs任何时候都无药物或酒精滥用史或相关治疗史，且目前不使用毒品。No history of drug or alcohol abuse or treatment at any time, and no current use of drugs.任何时候都无药物或酒精滥用史或相关治疗史，且目前不使用毒品。No history of drug or alcohol abuse or treatment at any time, and no current use of drugs.过去 10 年内无药物或酒精滥用史或相关治疗史，且目前不使用毒品。No history of drug or alcohol abuse or treatment within the last 10 years, and no current use of drugs.
航空／业余爱好Aviation/Avocation无航空飞行活动，无可被加费评级的高风险业余爱好或职业。这不包括大型商业航空公司飞行员或度假潜水。No aviation, no ratable hazardous avocation or occupation. This does not include major commercial airline pilots or holiday scuba diving.无航空飞行活动，无可被加费评级的高风险业余爱好或职业。这不包括大型商业航空公司飞行员或度假潜水。No aviation, no ratable hazardous avocation or occupation. This does not include major commercial airline pilots or holiday scuba diving.无航空飞行活动，无可被加费评级的高风险业余爱好或职业。这不包括大型商业航空公司飞行员或度假潜水。No aviation, no ratable hazardous avocation or occupation. This does not include major commercial airline pilots or holiday scuba diving.
家族史Family History父母中无人在 65 岁之前患冠状动脉疾病或癌症。若申请人已满 65 岁，或该癌症为性别特异性癌症且申请人为另一性别，则此条不适用。No parental family history of coronary artery disease or cancer prior to age 65. Criteria does not apply if applicant has reached the age of 65 or for gender-specific cancers where the applicant is the opposite gender.父母中无人在 65 岁之前死于冠状动脉疾病或癌症。若申请人已满 65 岁，或该癌症为性别特异性癌症且申请人为另一性别，则此条不适用。No parental family history of death from coronary artery disease or cancer prior to age 65. Criteria does not apply if applicant has reached the age of 65 or for gender-specific cancers where the applicant is the opposite gender.父母中无人在 60 岁之前死于冠状动脉疾病或癌症。若申请人已满 60 岁，或该癌症为性别特异性癌症且申请人为另一性别，则此条不适用。No parental family history of death from coronary artery disease or cancer prior to age 60. Criteria does not apply if applicant has reached the age of 60 or for gender-specific cancers where the applicant is the opposite gender.
血压Blood Pressure目前血压 12 个月平均读数为 135/85 或更好。不得用药物治疗。Current blood pressure with a 12-month average reading of 135/85 or better. No treatment by medication.目前血压 12 个月平均读数为 135/85 或更好。若只用一种药物治疗，可接受血压治疗。Current blood pressure with a 12-month average reading of 135/85 or better. Blood pressure treatment is acceptable if treated by only one drug.目前血压 12 个月平均读数为 140/90 或更好。若只用一种药物治疗，可接受血压治疗。Current blood pressure with a 12-month average reading of 140/90 or better. Blood pressure treatment is acceptable if treated by only one drug.
胆固醇Cholesterol目前总胆固醇／HDL 比值为 4.5 或以下；投保年龄 65 岁及以上者为 5.0 或以下。总胆固醇还必须在 260mg/dl 或以下。不得用药物治疗。Current cholesterol/HDL ratio of 4.5 or less, or 5.0 or less for issue ages 65 and up. Cholesterol must also be 260mg/dl or less. No treatment by medication.目前总胆固醇／HDL 比值为 4.5 或以下；投保年龄 65 岁及以上者为 5.0 或以下。总胆固醇还必须在 260mg/dl 或以下。若只用一种药物治疗，且胆固醇／HDL 比值已维持 12 个月，可接受降胆固醇治疗。Current cholesterol/HDL ratio of 4.5 or less, or 5.0 or less for issue ages 65 and up. Cholesterol must also be 260mg/dl or less. Cholesterol treatment is acceptable if treated by only one drug and cholesterol/HDL ratio is maintained for 12 months.目前总胆固醇／HDL 比值为 5.5 或以下；投保年龄 65 岁及以上者为 6.0 或以下。总胆固醇还必须在 280mg/dl 或以下。若只用一种药物治疗，且胆固醇／HDL 比值已维持 12 个月，可接受降胆固醇治疗。Current cholesterol/HDL ratio of 5.5 or less, or 6.0 or less for issue ages 65 and up. Cholesterol must also be 280mg/dl or less. Cholesterol treatment is acceptable if treated by only one drug and cholesterol/HDL ratio is maintained for 12 months.
驾驶记录Driving History5 年内无鲁莽驾驶（包括无严重超速）或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内无行车违规。No reckless driving (includes no excessive speed) or alcohol-related moving violations within 5 years, no license suspension within 3 years, and no moving violation within the last 3 years.5 年内无鲁莽驾驶（包括无严重超速）或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过一次。No reckless driving (includes no excessive speed) or alcohol-related moving violations within 5 years, no license suspension within 3 years, and no more than one moving violations within the last 3 years.5 年内无鲁莽驾驶或与酒精相关的行车违规；3 年内无驾照被暂扣；过去 3 年内行车违规不超过 2 次。No reckless driving or alcohol-related moving violations within 5 years, no license suspension within 3 years, and no more than 2 moving violations within the last 3 years.

* 部分外国公民（Foreign National）可能符合最佳等级。请参阅 Foreign National 指南。
1 可用等级请参阅 National Life 和 LSW 的产品指南。
2 不适用于 Preferred Tobacco 等级。
3 参见第 28 页「Tobacco Use Includes（烟草使用包括）」部分

* Some Foreign Nationals may qualify for best class. Please refer to Foreign National guidelines.
1 Please refer to the National Life and LSW product guides for classes available.
2 Not applicable for Preferred Tobacco class.
3 See "Tobacco Use Includes" section on page 28

p. 33身高体重表，16 岁及以上（永久型产品）Table of Height and Weight, Ages 16 and Older (Permanent Products)

本表作为指引，用于识别在所示各费率等级内通常可接受的体重。其他因素，包括年龄或身体比例失调（胸围和腹围），可能影响最终决定。

This chart is used as a guideline to identify the weights that are usually acceptable within the rate classes shown. Other factors, including age or disproportion in body measurements (girth of chest and abdomen), may impact the final decision.

费率等级Rate ClassElitePreferredSelectStandardExpress Standard 1Express Standard 2
BMI≥18.5 to <27.1≥27.1 to <29.9≥29.9 to <32.7≥32.7 to <37.5≥37.5 to <42.5≥42.5 to <46.5
身高Height体重（磅）Weight (lbs.)
4' 8"83–120121–133134–145146–167168–189190–207
4' 9"86–125126–138139–151152–173174–196197–214
4' 10"89–129130–143144–156157–179180–203204–222
4' 11"92–134135–148149–161162–185186–210211–230
5' 0"95–138139–153154–167168–191192–217218–238
5' 1"98–143144–158159–173174–198199–224225–246
5' 2"102–148149–163164–178179–205206–232233–254
5' 3"105–152153–168169–184185–211212–239240–262
5' 4"108–157158–174175–190191–218219–247248–270
5' 5"112–162163–179180–196197–225226–255256–279
5' 6"115–167168–185186–202203–232233–263264–288
5' 7"119–172173–190191–208209–239240–271272–296
5' 8"122–177178–196197–215216–246247–279280–305
5' 9"126–183184–202203–221222–253254–287288–314
5' 10"129–188189–208209–227228–261262–296297–324
5' 11"133–194195–214215–234235–268269–304305–333
6' 0"137–199200–220221–241242–276277–313314–342
6' 1"141–205206–226227–247248–284285–322323–352
6' 2"145–211212–232233–254255–292293–330331–362
6' 3"148–216217–239240–261262–299300–339340–371
6' 4"152–222223–245246–268269–308309–349350–381
6' 5"156–228229–252253–275276–316317–358359–392
6' 6"161–234235–258259–282283–324325–367368–402
6' 7"165–240241–265266–290291–332333–377378–412
6' 8"169–246247–272273–297298–341342–386387–423

低 BMI 的情况会个案考虑。请使用核保报价工具 XRAE（操作说明 PDF：Getting Started with the XRAE Field Underwriting Tool）。XRAE 不适用于 RapidProtect。

Individual consideration will be given for low BMIs. Please use the Underwriting Quote Tool XRAE (Instructional PDF: Getting Started with the XRAE Field Underwriting Tool). XRAE is not available for RapidProtect.

p. 34身高体重表，18 岁及以上（Term 产品）Table of Height and Weight, Ages 18 and Older (Term Products)

本表作为指引，用于识别在所示各费率等级内通常可接受的体重。其他因素，包括年龄或身体比例失调（胸围和腹围），可能影响最终决定。

This chart is used as a guideline to identify the weights that are usually acceptable within the rate classes shown. Other factors, including age or disproportion in body measurements (girth of chest and abdomen), may impact the final decision.

费率等级Rate ClassElitePreferredSelectStandardExpress Standard 1Express Standard 2
BMI≥18.5 to <24.9≥24.9 to <27.1≥27.1 to < 29.9≥29.9 to <37.5≥37.5 to <42.5≥42.5 to <46.5
身高Height体重（磅）Weight (lbs.)
4' 8"83–111112–120121–133134–167168–189190–207
4' 9"86–115116–125126–138139–173174–196197–214
4' 10"89–119120–129130–143144–179180–203204–222
4' 11"92–123124–134135–148149–185186–210211–230
5' 0"95–127128–138139–153154–192193–217218–238
5' 1"98–131132–143144–158159–198199–224225–246
5' 2"102–136137–148149–163164–205206–232233–254
5' 3"105–140141–152153–168169–211212–239240–262
5' 4"108–145146–157158–174175–218219–247248–270
5' 5"112–149150–162163–179180–225226–255256–279
5' 6"115–154155–167168–185186–232233–263264–288
5' 7"119–158159–173174–190191–239240–271272–296
5' 8"122–163164–178179–196197–246247–279280–305
5' 9"126–168169–183184–202203–253254–287288–314
5' 10"129–173174–188189–208209–261262–296297–324
5' 11"133–178179–194195–214215–268269–304305–333
6' 0"137–183184–199200–220221–276277–313314–342
6' 1"141–188189–205206–226227–284285–322323–352
6' 2"145–193194–211212–232233–292293–330331–362
6' 3"148–199200–216217–239240–300301–339340–371
6' 4"152–204205–222223–245246–308309–349350–381
6' 5"156–209210–228229–252253–316317–358359–392
6' 6"161–215216–234235–258259–324325–367368–402
6' 7"165–221222–240241–265266–332333–377378–412
6' 8"169–226227–246247–272273–341342–386387–423

低 BMI 的情况会个案考虑。请使用核保报价工具 XRAE（操作说明 PDF：Getting Started with the XRAE Field Underwriting Tool）。XRAE 不适用于 RapidProtect。

Individual consideration will be given for low BMIs. Please use the Underwriting Quote Tool XRAE (Instructional PDF: Getting Started with the XRAE Field Underwriting Tool). XRAE is not available for RapidProtect.

p. 35不可承保及有问题的风险Uninsurable and Problematic Risks

不予承保的疾病／情况Non-Qualifying Conditions/Issues

有下列疾病或情况的人士不应提交投保申请。本列表并非详尽无遗。

Applications should not be written on individuals presenting the following impairments or issues. This list is not intended to be all inclusive.

60 岁及以上的申请人必须在过去 24 个月内有常规医疗保健记录并做过体检，否则申请将被拒保（declined）。

Applicants age 60 and over must have routine health care and a physical exam within the past 24 months; otherwise, the application will be declined.

疾病Medical Conditions非医疗风险Non-Medical Risks
腹主动脉瘤（目前存在，或手术距今不足 6 个月）Abdominal Aortic Aneurysm (present or surgery <6 months ago)尚未解除债务（discharged）的 Chapter 7 破产Bankruptcy, Chapter 7, that has not been discharged
过去 2 年内接受过酒精治疗Alcohol Treatment within the past 2 years驾照目前被暂扣或吊销Driver’s License currently suspended or revoked
ALS（肌萎缩侧索硬化，俗称渐冻症）ALS (Lou Gehrig’s Disease)过去 1 年内有一次 DUI（酒驾）Single DUI within the past year
阿尔茨海默病Alzheimer’s Disease过去 5 年内有多次 DUIMultiple DUIs within the past 5 years
目前正在治疗的癌症（任何类型）Cancer currently under treatment (any type)有待审的刑事指控Criminal charges pending
肝硬化Cirrhosis of the Liver缓刑或假释，目前仍在执行或结束不足 12 个月Probation or parole, current or <12 months since ending
囊性纤维化Cystic Fibrosis多次刑事定罪，距最后一次定罪不足 7 年Multiple criminal convictions, <7 years since last conviction
痴呆Dementia暴力犯罪活动Violent criminal activity
唐氏综合征Down SyndromeIOLI/SOLI（投资人持有或陌生人持有的人寿保险）IOLI/SOLI – Investor or Stranger Owned Life Insurance
过去 6 个月内确诊的癫痫／癫痫发作Epilepsy/seizures diagnosed within the past 6 months残障（正在领取 SSDI 或 DI）Disability (receiving SSDI or DI)
过去 6 个月内做过胃绕道手术Gastric bypass surgery within the past 6 months
过去 6 个月内发生过心脏病发作和／或做过心脏手术Heart attack and/or heart surgery within the past 6 months
需要除颤器的心脏疾病Heart disorder requiring a defibrillator
过去 12 个月内做过心脏瓣膜手术Heart valve surgery within the past 12 months
过去 3 年内使用过非法药物Illegal drug use within the past 3 years
需要透析的肾衰竭Kidney failure requiring dialysis
肺病，严重或需要吸氧Lung disease, severe or requiring oxygen
过去 12 个月内因精神健康障碍需要住院Mental health disorder requiring hospitalization within the past 12 months
器官移植，等待移植或已接受移植Organ transplant, awaiting or recipient
怀孕且目前或既往有并发症Pregnancy with current or past complications
过去 1 年内有自杀未遂；或过去 2 年内自杀未遂超过一次Suicide attempt within the past year; or more than one attempt within the past 2 years
待做手术Surgery, pending
pp. 36–38疾病与可能评级Medical Conditions & Potential Ratings

可承保的疾病／情况Qualifying Conditions/Issues

此处列出的可能费率等级以申请人可能达到的最佳状况（治疗、控制情况等）为前提，最终评级取决于个案的具体细节。如果您的申请人有多种疾病，或有本表未列出的严重疾病，请联系您的 Underwriting Team（核保团队）获取初步报价（tentative quote）。本列表并非详尽无遗。

The potential rate classes listed here are based on the applicant's best possible condition (treatment, control, etc.) and specific case details will dictate final rating. If your applicant has multiple conditions or a serious condition not listed here, please contact your Underwriting Team for a tentative quote. This list is not intended to be all-inclusive.

疾病Medical Conditions可能的最佳报价Potential Best Offer
所示可能费率等级假定该疾病已经过全面评估，且控制在最佳状态，无并发症或后遗症。多种疾病并存可能改变可能的报价，最终评级取决于个案的具体细节。Potential rate classes shown assume the condition has been fully evaluated and is optimally controlled without complications or residual effects. Multiple conditions may alter the potential offer, and final rating will depend on the specific details of the individual case.优于 StandardBetter than StandardStandardSubstandard（次标准体）Substandard
酒精使用障碍，已接受治疗（完全戒酒超过 5 年，无复发）Alcohol use disorder with treatment (total abstinence >5 years, no relapses)✓
贫血，缺铁性（轻度，单次发作，已痊愈，未切除脾脏）Anemia, Iron-deficient (mild, single episode, resolved, no splenectomy)✓
贫血，镰状细胞性（轻度，仅限成人，距最后一次发作已超过 5 年，无器官损伤）Anemia, Sickle-cell (mild, adults only, last episode > 5 years ago, no organ damage)✓
动脉瘤（已手术矫正且距今超过 6 个月，已痊愈，无持续症状）Aneurysm (surgically corrected >6 months ago, resolved with no ongoing symptoms)✓
焦虑症（视年龄而定，轻度且稳定，非慢性，确诊已满 6 个月或以上）Anxiety (depends on age, mild & stable, not chronic, diagnosis ≥ 6 months ago)✓
主动脉瓣关闭不全（轻度，年龄 ≥ 50 岁，无基础疾病，仅累及主动脉瓣且未手术）Aortic insufficiency (mild, age ≥ 50, no underlying disease, aortic valve only & no surgery)✓
心房颤动（轻度，非慢性，无基础疾病，视发作频率与病因而定）Atrial fibrillation (mild, not chronic, no underlying disease, depends on frequency & cause)✓
哮喘（轻度，视年龄、治疗方式、发作次数与频率而定，日常活动不受限）Asthma (mild, depends on age, treatment, number & frequency of attacks, no limitations)✓
自闭症（轻度，年龄大于 8 岁，无其他精神健康障碍或癫痫）Autism (mild, age >8 years, no other mental health disorders or epilepsy)✓
背部疾病／背痛（轻度，未致残，视阿片类药物的剂量／种类数量而定）Back disorder/pain (mild, non-disabling, depends on dosage/number of opioid medications)✓
基底细胞癌（原位癌或 ≤2 cm，无浸润或淋巴结受累）Basal cell carcinoma (in-situ or ≤2 cm, no invasion or lymph node involvement)✓
支气管扩张（轻度至中度，无每日症状，未手术或住院）Bronchiectasis (mild to moderate without daily symptoms, no surgery or hospitalization)✓
支气管炎，慢性（轻度，轻微呼吸困难，无居家氧疗或住院）Bronchitis, chronic (mild, minimal dyspnea, no home oxygen treatment or hospitalization)✓
束支传导阻滞（轻度，稳定，心脏评估正常。非完全性左束支传导阻滞（Left BBB））Bundle Branch Block (mild, stable, normal cardiac evaluation. No complete Left BBB)✓
癌症（视病理而定，处于缓解期且目前未在治疗）Cancer (depends on pathology, in remission & not currently under treatment)✓
心肌病（视类型与年龄而定，确诊超过 2 年，稳定／已痊愈）Cardiomyopathy (depends on type and age, diagnosis >2 years ago, stable/resolved)✓
脑瘫（年龄大于 6 岁，无癫痫或智力障碍）Cerebral palsy (age >6 years, no epilepsy or intellectual disability)✓
COPD（慢性阻塞性肺病）（轻度，轻微呼吸困难，无居家氧疗或住院）COPD (mild, minimal dyspnea, no home oxygen treatment or hospitalization)✓
充血性心力衰竭（轻度，仅舒张功能障碍，已缓解且无症状）Congestive Heart Failure (mild, diastolic dysfunction only, resolved without symptoms)✓
冠状动脉疾病（轻度，视治疗方式、年龄及受累动脉而定）Coronary Artery Disease (mild, depends on treatment, age & artery(ies) involved)✓
克罗恩病（轻度，年龄大于 30 岁，距确诊或最后一次严重发作超过 5 年）Crohn’s disease (mild, age >30, more than 5 years since diagnosis or last major attack)✓
膀胱炎（单次发作，已完全康复，无持续症状或治疗）Cystitis (single episode, fully recovered, no ongoing symptoms or treatment)✓
深静脉血栓（单次发作，无基础疾病，康复已超过 2 个月）Deep Vein Thrombosis (single episode, no underlying disease, recovered >2 months ago)✓
抑郁症（轻度，稳定且控制良好超过 6 个月，无复发）Depression (mild, stable & well-controlled for >6 months, no relapses)✓
糖尿病，1 型（视年龄与病程而定，稳定，无并发症）Diabetes, Type 1 (depends on age & disease duration, stable, no complications)✓
糖尿病，2 型（视年龄与病程而定，稳定，无并发症）Diabetes, Type 2 (depends on age & disease duration, stable, no complications)✓
憩室炎（轻度，无手术计划，目前未在治疗，已痊愈）Diverticulitis (mild, no planned surgery, no current treatment, resolved)✓
药物滥用（视所用物质而定，完全戒断超过 6 年，无复发）Drug abuse (depends on substance(s), total abstinence for >6 years, no relapses)✓
肺气肿（轻度，轻微呼吸困难，无居家氧疗或住院）Emphysema (mild, minimal dyspnea, no home oxygen treatment or hospitalization)✓
心内膜炎（确诊超过 1 年，心脏瓣膜正常且无心脏损伤）Endocarditis (diagnosis >1 year ago, normal heart valves and no heart damage)✓
癫痫（确诊超过 6 个月，平均每年发作 ≤12 次，距最后一次发作超过 1 年）Epilepsy (diagnosis >6 months ago, average ≤12 seizures per year, last seizure >1 year ago)✓
食管狭窄（轻度，已确认为良性，无持续症状）Esophageal stricture (mild, confirmed benign, no ongoing symptoms)✓
纤维肌痛（轻度，无身体或精神功能障碍，未使用麻醉性药物）Fibromyalgia (mild, no physical or psychiatric impairments, no narcotic medication use)✓
胆囊疾病（轻度，康复已超过 3 个月，无待做检查或手术）Gall gladder disorder (mild, recovery >3 months ago, no pending investigation or surgery)✓
胃绕道手术（视术式而定，术后超过 6 个月，无再次住院）Gastric bypass (depends on procedure, >6 months since surgery, no re-hospitalizations)✓
妊娠糖尿病，目前未怀孕（已完全恢复，A1c 正常）Gestational diabetes, not currently pregnant (fully resolved, normal A1c)✓
青光眼（已矫正，无复发）Glaucoma (corrected, no recurrence)✓
痛风（轻度，仅使用 NSAID（非甾体抗炎药），无持续治疗，无身体功能障碍）Gout (mild, only NSAID use, no ongoing therapy, no physical impairments)✓
头部外伤（单次事件，轻度且受伤已超过 3 个月，已完全康复，无功能受限）Head injury (single event, mild and >3 months since injury, fully recovered, no limitations)✓
心脏瓣膜手术（单一瓣膜，视年龄而定，已完全康复，术后超过 1 年）Heart valve surgery (single valve, depends on age, fully recovered, >1 year since surgery)✓
乙型肝炎，慢性（已完全恢复，肝酶正常，无肝损伤）Hepatitis B, chronic (fully resolved with normal liver enzymes and no liver damage)✓
丙型肝炎，慢性（已完全恢复，肝酶正常，无肝损伤）Hepatitis C, chronic (fully resolved with normal liver enzymes and no liver damage)✓
高血压（见第 28-31 页指引，无其他可加费的健康状况）Hypertension (see guidelines on pages 28-31, no other ratable health conditions)✓
HIV（年龄大于 18 岁，CD4 计数稳定满 2 年，病毒载量检测不到，无肝炎或 AIDS）HIV (age >18, CD4 counts stable for 2 years, undetectable viral load, no hepatitis or AIDS)✓
霍奇金病（1A 期或更早期，缓解超过 3 年，无复发）Hodgkin’s disease (stage 1A or better, remission for >3 years, no recurrence)✓
甲状腺功能亢进（稳定 ≥ 1 年，目前未服用抗甲状腺药物，无心房颤动）Hyperthyroid (stable ≥ 1 year, not current anti-thyroid medication, no atrial fibrillation)✓
甲状腺功能减退（稳定，无可加费的高血压或心血管异常）Hypothyroid (stable with no ratable hypertension or cardiovascular abnormalities)✓
智力障碍（轻度，年龄大于 8 岁，无身体或精神功能障碍或受限）Intellectual disability (mild, age >8, no physical or psychiatric impairments or limitations)✓
关节置换（已完全康复，术后超过 3 个月，无慢性疼痛或疾病）Joint replacement (fully recovered, surgery >3 months ago, no chronic pain or disease)✓
肾病，慢性（轻度，血压受控，肾功能正常）Kidney disease, chronic (mild, controlled blood pressure, normal kidney function)✓
白血病（视年龄、类型与严重程度而异，缓解超过 5 年且无复发）Leukemia (varies based on age, type & severity, remission >5 years with no recurrence)✓
狼疮，系统性（轻度，完全缓解已超过 6 个月，目前无症状或治疗）Lupus, systemic (mild, fully resolved >6 months ago, no current symptoms or treatment)✓
狼疮，盘状（轻度，仅限皮肤，目前未使用皮质类固醇药物治疗）Lupus, discoid (mild, skin only, no current treatment with corticosteroid medications)✓
黑色素瘤（单次发生，分期 ≤1A，已完全切除且痊愈超过 2 年）Melanoma (single occurrence, stage ≤1A, completely excised and resolved >2 years ago)✓
脑膜炎（仅限非结核性，完全康复超过 6 个月，目前无症状）Meningitis (non-tuberculous variant only, fully recovered >6 months, no current symptoms)✓
偏头痛（轻度，稳定，无基础疾病或不良特征）Migraine headaches (mild, stable with no underlying disease or adverse features)✓
二尖瓣脱垂（轻度，无症状，无疾病、反流或狭窄，未手术）Mitral valve prolapse (mild, no symptoms, no disease, regurgitation or stenosis, no surgery)✓
二尖瓣反流（轻度，稳定，视年龄而定，无基础疾病，未手术）Mitral regurgitation (mild, stable, depends on age, no underlying disease, no surgery)✓
多发性硬化（轻度，稳定，确诊超过 1 年，非致残性或进展性）Multiple Sclerosis (mild, stable, >1 year since diagnosis, non-disabling or progressive )✓
肌营养不良（视类型而定，轻度，进展缓慢，残疾程度极轻）Muscular dystrophy (depends on type, mild with slow progression and minimal disability)✓
肌炎（已排除恶性肿瘤，治疗结束超过 3 年，已完全康复）Myositis (malignancy excluded, treatment completed >3 years ago, fully recovered)✓
重症肌无力（轻度，稳定，确诊超过 1 年）Myasthenia Gravis (mild, stable, diagnosis >1 year ago)✓
心肌炎（单次发作，无基础疾病，痊愈超过 3 个月）Myocarditis (single episode, no underlying disease, resolution >3 months ago)✓
肾炎，急性（完全康复超过 1 年，无持续治疗或基础疾病）Nephritis, Acute (fully recovered >1 year ago, no ongoing treatment or underlying disease)✓
非霍奇金淋巴瘤（1 期或更早期，缓解超过 3 年，无复发）Non-Hodgkin’s lymphoma (stage 1 or better, remission for >3 years, no recurrence)✓
骨关节炎（轻度，未致残，未持续使用阿片类药物治疗）Osteoarthritis (mild, non-disabling, no continuous opioid use for treatment)✓
骨髓炎（轻度，累计发作少于 2 次，距最后一次发作超过 1 年，无截肢史）Osteomyelitis (mild, <2 attacks total, last attack >1 year ago, no history of amputation)✓
心脏起搏器（视基础病情而定，脉搏正常，植入超过 3 个月）Pacemaker (depends on underlying condition, normal pulse, >3 months since implanted)✓
胰腺炎，急性（无饮酒问题，已完全康复，距最后一次发作超过 3 年）Pancreatitis, Acute (no alcohol concerns, fully recovered, last episode >3 years ago)✓
瘫痪（无下肢轻瘫，受伤超过 3 年，已完全适应，不依赖轮椅）Paralysis (no paraparesis, > 3 years since injury, fully adjusted, not wheelchair dependent)✓
帕金森病（轻度，年龄大于 59 岁，仅手指震颤，未治疗，无痴呆）Parkinson’s disease (mild, age >59, tremor only in fingers, no treatment, no dementia)✓
心包炎（病毒性，单次发作，康复超过 3 个月，EKG 正常，无积液）Pericarditis (viral, single episode, recovered >3 months ago, normal EKG, no effusion)✓
外周血管疾病（轻度，无糖尿病或心血管疾病迹象）Peripheral vascular disease (mild, no evidence of diabetes or cardiovascular disease)✓
静脉炎（已完全康复，无持续治疗、肺栓塞或基础疾病）Phlebitis (fully recovered, no ongoing treatment, pulmonary embolism or underlying disease)✓
多囊肾（确诊时年龄大于 20 岁，肾功能正常，无肾损伤）Polycystic kidney disease (diagnosis age >20, normal renal function, no kidney damage)✓
真性红细胞增多症（无血栓，未使用骨髓抑制药物，确诊超过 2 年）Polycythemia vera (no thrombosis, no myelosuppressive drug use, diagnosis >2 years ago)✓
怀孕，目前（年龄小于 40 岁，健康良好，过去及目前均无妊娠并发症）Pregnancy, current (age <40, in good health, no past or current pregnancy complications)✓
前列腺增生，良性（症状轻微且稳定，无梗阻或肿瘤）Prostatic hypertrophy, Benign (stable minor symptoms only, no obstruction or neoplasia)✓
前列腺炎（症状轻微且不频繁，无梗阻或肿瘤，尿检正常）Prostatitis (mild infrequent symptoms, no obstruction or neoplasia, normal urinalysis)✓
雷诺综合征（无残疾，无基础疾病，距最后一次并发症超过 2 年）Raynaud’s syndrome (no disability, no underlying disease, last complication >2 years ago)✓
类风湿关节炎（轻度，视年龄与病程而定，无残疾，仅使用 NSAID）Rheumatoid arthritis (mild, depends on age & duration, no disability, only NSAID use)✓
风湿热（单次发作，无残留心脏杂音，无心脏损伤）Rheumatic fever (single episode, no residual heart murmur, no heart damage)✓
结节病（视受累器官而定，轻度／1 期，确诊超过 6 个月）Sarcoidosis (depends on organs involved, mild/stage 1, >6 months since diagnosis)✓
癫痫发作（轻度，稳定，平均每年发作 ≤12 次，距最后一次发作超过 1 年）Seizures (mild, stable, average of ≤12 seizures per year, last seizure >1 year ago)✓
睡眠呼吸暂停（轻度，非中枢性或混合性，坚持使用 CPAP，无不利因素）Sleep Apnea (mild, not central or mixed apnea, consistent CPAP use, no adverse factors)✓
中风（CVA）（视类型而异，已完全康复，单次发作且已超过 6 个月）Stroke (CVA) (varies based on type, fully recovered, single episode >6 months ago)✓
自杀未遂（仅一次且已超过 5 年，情况稳定，无持续症状）Suicide attempt (single attempt >5 years ago, stable with no ongoing symptoms)✓
地中海贫血（仅为携带者（trait），血红蛋白 ≤10.0 且稳定 5 年，未接受贫血治疗）Thalassemia (trait only, stable hemoglobin ≤10.0 for 5 years, no anemia treatment)✓
短暂性脑缺血发作（TIA）（单次发作，无基础疾病，已完全康复）Transient ischemic attack (TIA) (single episode, no underlying disease, fully recovered)✓
结核病（治疗结束超过 3 个月，肺功能正常，HIV 阴性）Tuberculosis (treatment completed >3 months ago, normal lung function, negative HIV)✓
肿瘤，良性（视器官而异，无梗阻、基础疾病或待做手术）Tumors, Benign (varies by organ, no obstruction, underlying disease, or pending surgery)✓
溃疡性结肠炎（轻度，确诊超过 6 个月，未使用免疫抑制药物）Ulcerative Colitis (mild, diagnosis >6 months ago, no immunosuppressive medications)✓
静脉曲张（位于腿部，无基础疾病或血栓）Varicose veins (located on leg, no underlying disease or thrombosis)✓

本列表并非详尽无遗。请使用 XRAE（操作说明 PDF：Getting Started with the XRAE Field Underwriting Tool）获取核保报价。XRAE 不适用于 RapidProtect。

This listing is not meant to be all inclusive. Please use XRAE (Instructional PDF: Getting Started with the XRAE Field Underwriting Tool) for an underwriting quote. XRAE is not available for RapidProtect.

「Potential Best Offer（可能的最佳报价）」指引仅作为参考信息提供，不应被理解为初步报价，也不具有任何约束力。

The "Potential Best Offer" guidelines are provided as a courtesy for information purposes and should not be interpreted as tentative quotes or binding in any way.

p. 39Advanced Sales（高端市场支持团队）Advanced Sales

National Life Group 的 Advanced Sales 团队帮助你在高端市场（advanced markets）领域更高效地开展业务。如果你在企业保险需求、合格计划（qualified plans）、高管福利计划（executive benefit plans）或保费融资（premium finance）案件方面有疑问，我们可以提供帮助。

National Life Group's Advanced Sales is here to help you work more effectively in the advanced markets space. If you have questions about business insurance needs, qualified plans, executive benefit plans, or premium finance cases, we can help!

我们的 Advanced Sales 团队合计拥有超过 180 年的行业经验，致力于帮助你发展业务。

With more than 180 years of combined industry experience our Advanced Sales Team is here to help you grow your business.

我们专注于服务高净值人士、企业主及其家庭，以及慈善和非营利组织。

We specialize in working with high net worth individuals, business owners, and their families along with charitable and non-profit organizations.

我们为你的团队提供：

We provide your team with:

  • 直接对接公司内部团队，获得案件咨询和销售现场（point-of-sale）支持
  • 简化的销售理念，帮助你成交
  • 案件设计（case design）与方案展示
  • 与策略顾问（CPA 和律师）协同咨询
  • 持续的教育与培训
  • Direct access to our in-house team for case consultation and point-of-sale support
  • Simplified sales concepts to help you sell
  • Case design and presentation
  • Consultation with strategic advisors — CPAs and attorneys
  • Ongoing education and training

我们致力于满足你和你客户的需求。我们紧跟市场动态，了解从普通大众（Main Street）到华尔街（Wall Street）各类人群的想法。归根结底，我们的工作就是简化销售流程，让你和我们合作更省心。

We are committed to supporting your needs and the needs of your clients. We stay current in the market and understand what people are thinking from Main Street to Wall Street. At the end of the day, our job is to simplify the sales process and make doing business with us easy.

以下是 Advanced Sales 团队可以协助你的部分项目：

Here are some of the programs the Advanced Sales Team can help you with!

  • 小企业主规划（Planning with Small Business Owners）
  • 非合格员工福利计划（Nonqualified Employee Benefit Plans）
  • 递延薪酬计划（Deferred Compensation Plans）
  • 高管奖金计划（Executive Bonus Plans）
  • Split Dollar 安排（Split Dollar Arrangements）
  • 合格计划（Qualified Plans）
  • 基础及进阶遗产规划策略（Basic and Advanced Estate Planning Strategies）
  • Legacy IRA 规划策略（Legacy IRA Planning Strategy）
  • 外籍人士规划（Planning for Foreign Nationals）
  • MultiLife Program 保证承保（Guaranteed Issue）
  • 保费融资（Premium Finance）
  • 特殊需求规划策略（Special Needs Planning Strategies）
  • Planning with Small Business Owners
  • Nonqualified Employee Benefit Plans
  • Deferred Compensation Plans
  • Executive Bonus Plans
  • Split Dollar Arrangements
  • Qualified Plans
  • Basic and Advanced Estate Planning Strategies
  • Legacy IRA Planning Strategy
  • Planning for Foreign Nationals
  • MultiLife Program Guaranteed Issue
  • Premium Finance
  • Special Needs Planning Strategies

如需帮助，请联系我们的 Sales Desk：800-906-3310

For help, contact our Sales Desk: 800-906-3310

p. 40核保报价（XRAE）Underwriting Quotes

简介Introduction

某些医疗或非医疗方面的风险因素（impairments）可能需要先对拟投保客户进行“预审”（pre-qualifying）。Underwriting Quick Quote（核保快速报价）流程现在改由 XRAE（Express Risk Assessment Exchange）管理工具处理。该工具会将客户的健康状况与公司专有的核保规则进行比对，即时给出评估结果。

Certain medical or non-medical impairments may require “pre-qualifying” a proposed client for insurance coverage. The Underwriting Quick Quote process will now be handled through the XRAE "Express Risk Assessment Exchange" management tool. This will allow for instantaneous assessments by evaluating a client’s medical conditions against proprietary underwriting rules.

所有报价均为暂定、不具约束力，在完成完整核保评估后以及受公司自留额（retention limits）限制，可能会有变动。

All quotes are tentative, non-binding, and subject to change after a full underwriting workup and company retention limits.

必填信息Requirements

XRAE 工具需要填写以下字段：

XRAE tool requires the following fields:

  • 代理人姓名
  • 客户姓名
  • 性别
  • 出生日期
  • 保额（Face amount）
  • 产品类型
  • Agent name
  • Client name
  • Gender
  • Date of birth
  • Face amount
  • Product type

除上述必填字段外，还可以填写客户医疗和非医疗病史的详细信息。系统提供的每项健康状况都配有针对该风险因素的追问问题（reflexive questions），用于得出“最佳情况”下的核保等级。提供的信息越多，评估结果越完整。

Beyond the required fields above, the ability to provide details around the client’s medical and non-medical history will be available. Medical conditions offered will have impairment-based reflexive questions for “best case” underwriting classifications. The more information provided, the more complete the assessment.

需要核保员复核的报价Quotes Requiring Underwriter Review

如果 XRAE 无法完成风险评估，系统会向代理人显示以下结果：

If XRAE is unable to make a risk assessment, the following outcome will be presented to the agent:

  • Additional Review Required（需要额外复核）：点击 Messaging 链接，申请核保（UW）复核
  • Additional Review Required — Click the Messaging link to request UW review

此时需要通过 XRAE 内的消息工具手动提交该报价。核保部门会在一（1）个工作日内处理此类请求。

A manual submission of the quote will be required through the messaging tool in XRAE. These requests will be handled by Underwriting within one (1) business day.

请注意：除非核保部门要求，否则不要把报价附在电子投保申请（e-applications）中。

Please Note: Do NOT attach quotes to e-applications unless directed by Underwriting.

  • XRAE 会保存所有报价，日后如有需要可以随时调阅。
  • XRAE 报价不能用于 RapidProtect。
  • XRAE saves all quotes and you can refer back to them at a later date if needed.
  • XRAE quotes cannot be used for RapidProtect.
p. 41Informal 申请（非正式 / 试探性投保）Informal Applications

简介Introduction

National Life Group 愿意在非常有限的情况下受理 Informal / 试探性（trial）申请，但须符合以下条件：

National Life Group is willing to consider informal/trial applications on a very limited basis, subject to the following parameters:

  • 仅限永久性产品（Permanent products）。
  • 最低保额：$2,000,000
  • 最高年龄：75
  • 处理时效：5 个工作日
  • 曾被拒保（declined）的案件，不要再提交 Informal 资料
  • 暂定报价（tentative offers）有效期 90 天。
  • Permanent products only.
  • Minimum face amount: $2,000,000
  • Maximum age: 75
  • Time service: 5 business days
  • Do not submit informal paperwork on cases that have been previously declined
  • Tentative offers good for 90 days.

需提交的资料What to submit

Informal 申请需要以下信息：

Information needed for an Informal Application are:

  • Form 1386 Informal Inquiry and Authorization（Informal 查询及授权书）
  • Form 8164：符合 HIPAA 的授权书，或已正确签署、将 National Life/LSW 列为授权保险公司的 HIPAA Compliant Authorization 表格
  • 客户信息：姓名、出生日期、社会安全号码（Social Security number）
  • 代理人信息：代理人代码（Agent code）、代理机构办公室代码（agency office code），以便通过 Agent Portal 沟通。
  • 必须附摘要页（Summary page），包括案件设计（申请的产品和保额）、成交所需的费率等级，以及病史概要。试探申请时须同时提供财务文件，才会被纳入审核
  • Form 1386 Informal Inquiry and Authorization
  • Form 8164 — HIPAA-compliant authorization or properly signed HIPAA Compliant Authorization form identifying National Life/LSW as an authorized carrier
  • Client information: Name, date of birth, Social Security number
  • Agent information: Agent code, agency office code to allow communication through the Agent Portal.
  • Summary page required, including case design (product and face amount requested), rate needed to place, and outline of medical history. Financial documentation is required at the time of trial in order to be considered for review

重要：不要安排任何体检，也不要收取任何款项。

Important: No medical testing should be ordered or money collected.

向总公司提交表格Submit Forms to Home Office

表格可通过电子邮件发送至 National Life Group：LargeCase@NationalLife.com

Forms can be emailed to National Life Group at LargeCase@NationalLife.com

成交要求（Placement）Placement

  • Informal 申请占已提交业务的比例：不超过 5%
  • Informal 转正式申请（formal）的转化率：50%
  • 将按月度、季度和年初至今（year-to-date）进行审查
  • 如果未达到上述指标，我们会根据一个季度的数据考虑采取其他措施。我们将要求该机构自费支付 APS 摘要服务费用，并且不得再提交完整投保资料（full papers）。
  • Informal applications as a percentage of submitted business: No more than 5%
  • Informal-to-formal conversion rate: 50%
  • Review will be done on a monthly, quarterly, and year-to-date basis
  • We will consider alternative action with one quarter of data if parameters are not met. We will require, at the firm’s expense, that they pay for APS summary service, and they cannot submit full papers.
p. 42外籍人士（Foreign National）核保指引Foreign National Guidelines

National Life Group 的产品是按美国人口定价的。我们对风险的容忍度取决于客户的居住国，以及其在美国居留的永久性程度。

National Life Group products are priced for the U.S. population. Our risk tolerance is measured based on the client’s resident country and their permanency of residence in the U.S.

请查阅现行的《Foreign National Guidelines for life insurance and annuity sales》（寿险及年金销售外籍人士指引）。

View current Foreign National Guidelines for life insurance and annuity sales.

p. 42保单签发后的合同变更After-Issue Contract Changes

NL 和 LSW 寿险产品NL and LSW Life Insurance Products

合同变更如果发生在 Rewrite 期（自投保申请签署日起 120 天）之后，即视为“签发后”（after issue）变更。这类变更由 Contract Change（Inforce Customer Service，有效保单客户服务部）处理。

Contract changes (after the rewrite period of 120 days from the application signing date) are considered “after issue” changes. These changes are processed in Contract Change — Inforce Customer Service.

签发后合同变更专用的三份表格：

Three forms unique to after-issue contract changes:

  • Policy Change Application（保单变更申请，仅用于合同变更）
  • Term Conversion Application（Term 转换申请）
  • Policy Change/Term Conversion Supplement to The Application（保单变更 / Term 转换投保书补充表）：凡签发后变更或 Term 转换需要核保时都要使用。请注意，核保员可酌情要求提供额外的核保资料。
  • Policy Change Application (used for contract changes only)
  • Term Conversion Application
  • Policy Change/Term Conversion Supplement to The Application is used anytime the after issue change or term conversion requires underwriting. It should be noted that additional underwriting requirements may be needed at the underwriter's discretion.

所有变更都应附上填写完整的 Customer Services Agency Transmittal（form 8042），通过电子邮件发送至 ContractChange@NationalLife.com，或传真至 802-229-3131。

All changes should be submitted with a completed Customer Services Agency Transmittal (form 8042) via email to: ContractChange@NationalLife.com or Fax to 802-229-3131.

请查阅《After-Issue Contract Change Quick Reference Guide》（签发后合同变更快速参考指南）。

View the After-Issue Contract Change Quick Reference Guide.

附：核保培训简报全文Appendix: the field underwriting training deck

国家人寿核保部 2026 年 5 月的培训简报《The Field Underwriting Guide: Breaking Down the EZ UW Limits》 （TC8927375(0526)1），全部 15 页，一页或一组一个折叠块，标原简报页码。 讲的是业务质量与服务时效、EZ 免体检上限、第三方报告和三个假设案例。中文是译文， 切到 English 看到的是原文；两者有出入时以英文原文为准。

National Life Group underwriting's May 2026 training deck, "The Field Underwriting Guide: Breaking Down the EZ UW Limits" (TC8927375(0526)1): all 15 slides, one collapsible block per slide or group, labelled with the deck's slide numbers. It covers quality of business and service levels, the EZ exam-waiver limits, third-party reports, and three hypothetical cases. The Chinese view is a translation; the English view is the original wording, and it governs where the two differ.

p. 1封面与声明Cover and notices

现场核保指南：拆解 EZ 核保上限The Field Underwriting Guide: Breaking Down the EZ UW Limits

主讲：Sarah Dolk，核保总监（Director of UW）；Jenna Goodrich，资深核保员（Senior UW）

Sarah Dolk, Director of UW; Jenna Goodrich, Senior UW

National Life Group® 是 National Life Insurance Company（佛蒙特州 Montpelier）、Life Insurance Company of the Southwest（得克萨斯州 Addison）及其关联公司共同使用的商号。National Life Group 旗下每家公司各自对其自身的财务状况和合同义务负责。Life Insurance Company of the Southwest 不是纽约州的授权保险公司，不在纽约州经营保险业务。PFA Financial and Insurance Services 的代理人是独立合约人，不是任何 National Life Group 实体的雇员。

National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. PFA Financial and Insurance Services' agents are independent contractors and are not employees of any National Life Group entity.

未经 National Life Group 明确书面许可，不得以任何设备录制、复制、传送或以其他方式散布本简报，包括但不限于人工智能笔记平台、网络研讨会与浏览器录制功能，以及会议录制软件。

This presentation may not be recorded, copied, transmitted or otherwise disseminated using any device – including but not limited to artificial intelligence note-taking platforms, webinar and browser recording functions, and meeting recording software – without the express written permission of National Life Group.

以上并非与本病况或任何其他病况相关的核保考量的完整清单。每一份申请都根据申请人的多项具体因素核保，包括健康状况、病史、处方记录、财务记录和驾驶记录等。National Life Group 保留根据一切允许的病况与考量因素对申请人进行核保的权利。

The foregoing is not intended to be an exhaustive list of the underwriting considerations relevant to this or any other impairment. Every application is underwritten based on multiple considerations specific to the applicant including health status, medical history, prescription history, financial history and driving history, among other things. National Life Group reserves the right to underwrite applicants based on any and all permissible impairments and considerations.

TC8927375(0526)1｜Cat No 109205(0526)｜仅供代理人使用，不得用于公众｜© 2026, National Life Group

TC8927375(0526)1 | Cat No 109205(0526) | For Agent Use Only - Not for Use with the Public | © 2026, National Life Group

p. 2议程Agenda
  1. 业务质量／服务时效概览
  2. 现场指南／EZ 核保上限
  3. 第三方报告
  4. 案例研究
  1. Quality of Business / Service Level Summary
  2. Field Guides / EZ UW Limits
  3. Third-Party Reports
  4. Case Studies
p. 3服务时效Service Levels
指标Metric在 SLA 内的比例Within SLA %SLA 时限SLA Window
提交到首次审核Submit to Initial Review57%0–2 天0-2 days
提交到批准Submit to Approval52%0–2 天0-2 days
提交到出单Submit to Issue31%0–2 天0-2 days
回复代理人往来函件Agent Correspondence47%1 天1 day

未注明出处的信息均来自 National Life Group 截至发布日期的内部资料。

All unattributed information is based on internal National Life Group materials as of the date of publication.

p. 4业务质量Quality of Business

提交与批准Submit Approval

总提交件数：10,124

Total Submits: 10,124

批准等级Approval Category占提交件数% of Submits估计件数Estimated Count
Standard Non-Tobacco51.5%5,214
Elite25.3%2,561
Preferred Non-Tobacco7.8%790
其他／未分类Other / Not Classified15.4%1,559

核保结果（柱状图）Decision Outcome (bar chart)

结果Outcome占比Share
批准Approved72.0%
资料不全Incomplete12.1%
拒保Declined13.3%

未注明出处的信息均来自 National Life Group 截至发布日期的内部资料。

All unattributed information is based on internal National Life Group materials as of the date of publication.

p. 5EZ 核保上限EZ Underwriting Limits

EZ 核保是什么意思？What does EZ Underwriting mean?

不必做体检和化验，也有可能拿到最好的等级。

Possible eligibility for best class without the need to complete exams/labs

怎样才算可以免体检？What is considered to waive exams?

永久型产品：客户如果在过去 12 个月内做过常规体检，并完成了与年龄相应的筛查，免体检的范围可以扩大。

For permanent products, waiver of exams can be extended if clients have had a routine physical exam with age-appropriate screening tests completed within the last 12 months

  • 回答「是」：核保员免除体检，调取病历。
  • 回答「否」：核保员安排体检，并调取病历。
  • If this is answered YES, the underwriter will waive the exams and order medical records.
  • If this is answered NO, the underwriter will order the exams and medical records.

谁符合条件？Who is eligible?

  • 18–50 岁，申请保额最高 $5M
  • 51–60 岁，申请保额最高 $3M
  • 61–65 岁，申请保额最高 $250,000
  • Applicants ages 18-50 applying for coverage up to $5M
  • Applicants ages 51-60 applying for coverage up to $3M
  • Applicants ages 61-65 applying for coverage up to $250,000

简报配图：现场指南第 18 页（见上方 核保指南全文 p. 18）。

Pictured on the slide: page 18 of the field guide (see the full guide, p. 18 above).

p. 6现场核保指南：值得加书签的几页Field Underwriting Guide: pages to bookmark

简报在核保指南目录页上标出了这几页（点击跳到上方指南全文对应章节）：

The slide marks these pages on the guide's contents page (each links to the chapter in the full guide above):

页码Page内容Topic
11可保利益：Owner／受益人Insurable Interest – Owner / Beneficiary
12财务核保（少儿保障指引）Financial Underwriting (juvenile coverage guidelines)
19可能符合条件的病况Medical Conditions with possible eligibility
35不可承保及有问题的风险Uninsurable and Problematic Risks
36–38疾病与可能评级Medical Conditions & Potential Ratings
42外籍人士核保指引Foreign National Guidelines
p. 7填写申请Writing an Application

要问客户的问题：What to ask the client:

  • ✓ 诊断是什么？什么时候诊断的？
  • ✓ 目前在接受什么治疗？（例如药物：名称、剂量、频率）
  • ✓ 现在有没有症状？
  • ✓ 有没有看过急诊或住过院？
  • ✓ 有没有因此缺勤，或影响日常活动？
  • ✓ 有没有需要的后续复诊？
  • ✓ 目前在看哪位医生？
  • ✓ What was the diagnosis/when?
  • ✓ What treatment are you currently taking? (i.e. medications, name, dosage, frequency)
  • ✓ Are you experiencing any symptoms?
  • ✓ Any ER visits or hospitalizations?
  • ✓ Missed work or interference with daily activities?
  • ✓ Any needed follow up?
  • ✓ What doctor are you currently seeing?
pp. 8–9第三方报告Third Party Reports

Milliman 消费者报告Consumer Report by Milliman

  • 客户或保险公司提交的医疗理赔
  • 诊断与检查代码
  • 医生信息
  • 临床给药记录（处方记录）
  • 犯罪记录
  • Medical claims submitted by client/insurance company
  • Diagnosis and testing codes
  • Doctor's information
  • Clinically administered medications (prescription history)
  • Criminal History

Labpiqture / Healthpicture

  • 医生开的化验结果
  • 以往投保时的化验结果
  • 预防性检查
  • 疾病监测与诊断
  • Doctor ordered lab testing results
  • Prior insurance lab results
  • Preventative care
  • Disease monitoring and Diagnosis

处方记录（Rx）Prescription History (Rx)

  • 药名和开药医生
  • 剂量和配药次数
  • 在哪里、什么时候配的药
  • Prescription name and prescribing doctor
  • Dosage and number of fills
  • Where and when the medication was filled

医疗信息局（MIB）Medical Information Bureau (MIB)

  • 其他保险公司提交的医疗信息
  • 其他保险公司提交的非医疗信息（驾驶记录、危险业余活动、犯罪记录）
  • Medical information submitted by another insurance carrier
  • Non-medical (driving record, hazardous avocation, criminal history) from another insurance carrier
p. 10案例 1：50 岁男性申请 LLDCase Study #1: 50-year-old male, LLD

50 岁男性，申请 Living Life Defender（LLD）50-year-old Male — Applying for Living Life Defender (LLD)

Labpiqture 结果：Labpiture results:
  • 多个就诊日期显示血糖（A1c）偏高，诊断为糖尿病前期
  • Multiple service dates for elevated blood sugar (A1c) with a diagnosis of prediabetes
核保员问代理人：Underwriter asks the agent:
  • 客户有没有糖尿病前期病史？如果有，目前在吃什么药、有没有并发症、最近一次血糖（A1c）读数是多少？
  • Does the client have a history of prediabetes? If so, what current medications is the client taking, any complications, last blood sugar reading (A1c)
代理人的回复：Agent's response:
  • 客户没有糖尿病前期的诊断，也不知道自己最近一次的血糖读数
  • The client does not have diagnosis of prediabetes and doesn't know his last blood sugar reading

核保员安排体检／化验来评估
结果显示 A1c 为 8.7
申请被拒保

Underwriter orders exam/labs to assess
Results indicate an A1c result of 8.7
Application was declined

这是假设的例子，仅作说明之用，并非真实客户的经历。

This is a hypothetical example, is used for illustrative purposes only, and is not the story of an actual client.

p. 11案例 2：35 岁女性申请 LLDCase Study #2: 35-year-old female, LLD

35 岁女性，申请 LLD35-year-old Female — Applying for LLD

  • 客户只承认有焦虑
  • 代理人追问了：
    • 治疗
    • 诊断日期
    • 有没有缺勤
    • 医生信息
  • 客户随后在申请上如实填写：2020 年诊断焦虑，服用 1 种药（Wellbutrin），目前没有症状、状况良好，医生是一位家庭医生（primary care physician）
  • 第三方报告证实了上述信息
  • 轻度焦虑，6 年来只用一种药治疗、状况稳定……
  • 核保员批准 Standard Non-Tobacco
  • Client admits to anxiety only
  • Agent asks probing questions about:
    • Treatment
    • Diagnosis date
    • Any missed days
    • Doctor information
  • The client then admits on the application to Anxiety diagnosed in 2020, taking 1 medication (Wellbutrin), no current symptoms and doing well, doctor is listed as a primary care physician
  • The third-party reports confirm the information above
  • With mild anxiety and one medication to treat over a 6-year period showing stability…
  • Underwriter approved Standard Non-Tobacco

这是假设的例子，仅作说明之用，并非真实客户的经历。

This is a hypothetical example, is used for illustrative purposes only, and is not the story of an actual client.

p. 12案例 3：30 岁女性申请 LLD $1.5MCase Study #3: 30-year-old female, $1.5M LLD

30 岁女性，申请 $1.5M 保额（LLD）30-year-old Female — Applying for $1.5M in coverage (LLD)

职业：全职主妇
配偶：有工作，已有 $1M 保额

Occupation: Homemaker
Spouse: Employed with $1M in coverage

申请：Application:
  • BMI：身高 5'5"，体重 145 磅
  • 高血压，服用 Lisinopril，血压 125/80
  • 去巴哈马度假，离开 1 周
  • BMI: 5'5 145
  • High Blood Pressure, Takes Lisinopril, BP 125/80
  • Traveling to Bahamas for Vacation, Gone 1 week

根据核保指南（第 14 页）：无工作的配偶可以按配偶的保额匹配，最高 $1M；超过的部分需要财务证明。核保部联系代理人，问为什么申请 $1.5M。

Per LifeGuide (p. 14): Non-working spouse can match spousal coverage up to $1M. Any amount greater will require financial justification. Underwriting reaches out to agent to ask why applying for $1.5M

代理人的回复：Agent Response:
  • 客户在家带 3 个年幼的孩子（三胞胎）。如果客户身故，配偶就得为 3 个孩子安排托育，因为他们还没到上学年龄，这会是一笔很大的开支。
  • Client is a stay at home with 3 small children (triplets) if client were to pass, spouse would have to establish daycare for all 3 children as they are not school age and this would be a costly expense.

核保员破例放行，因为只多出 $500k。
按 Elite 费率批准

Underwriter makes exception to allow as increase is only $500k more
Approved with Elite rates

这是假设的例子，仅作说明之用，并非真实客户的经历。

This is a hypothetical example, is used for illustrative purposes only, and is not the story of an actual client.

p. 13怎样对第三方报告提出申诉How to Appeal to a Third-Party Report

联系方式Contact Information

机构Organization地址Address电话Phone网站／邮箱Web / email
MillimanP.O. Box 2223, Brookfield, WI 53008(877) 211-4816FCRAreport@milliman.com
rxhistories.com/for-consumers
医疗信息局（MIB）Medical Information Bureau (MIB)50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734(866) 692-6901mib.com
LabPiqture10101 Rennar Boulevard, Lenexa, KS 66219(844) 225-8047—
ExamOne—(877) 933-9261examone.com
APPS Portamedic—(516) 822-6230appslive.com
pp. 14–15结束页Closing slides

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谢谢！

Questions?
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第 15 页只有 National Life Group 标志。每页页脚：仅供代理人使用，不得用于公众｜© 2026, National Life Group

Slide 15 carries only the National Life Group logo. Every slide's footer: For Agent Use Only – Not For Use With The Public | © 2026, National Life Group

相关Related Living Life DefenderLiving Life Defender 相关Related 保单替换Policy Replacement

内部培训资料，仅供签约经纪人使用，不可转发给客户。 核保指南滚动更新，面额阈值、费率等级条件、BMI 阶梯、体检要求矩阵、 不可保清单与表单号都会变动， 提交案件前请以 Agent Portal 上的当期版本为准。 文中的规则、电话、邮箱与表单号按 2026 年 1 月版指南（TC8713998(0126)）核对。 本页不构成核保结论或承保承诺，任何具体案件的可保性与费率等级 由承保公司的核保员决定。 文末「指南全文」与「培训简报全文」是承保公司原文与团队译文，译文仅供理解，以英文原文为准。

Internal training material for contracted agents; not for forwarding to clients. Underwriting guides are revised continuously: face thresholds, rate class criteria, BMI bands, requirement matrices, the uninsurable list, and form numbers all change, so work from the current edition in the Agent Portal before submitting a case. Rules, phone numbers, mailboxes, and form numbers were checked against the January 2026 guide (TC8713998(0126)). Nothing here is an underwriting determination or an offer of coverage; insurability and rate class on any specific case are decided by the carrier's underwriter. The full guide and the training deck in the appendices are the carrier's original text with the team's translation; the translation is for understanding only, and the English original governs.