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Underwriting Guidelines
- Super Preferred non-smoker rates are offered to only a few applicants
- Preferred rates are offered to a broader group of applicants than Super Preferred. Non-smoker rates usually require no nicotine use for 36 months.
- Standard rates are offered to a wide group of applicants who meet the following criteria. Non-smoker rates usually require no nicotine use for 12 months.
Impaired Risk Questionnaires