MetLife August 2007 User Manual

The Condensed Underwriting Guide

August 2007

FOR FINANCIAL PROFESSIONAL USE ONLY—NOT FOR PUBLIC DISTRIBUTION.

Life New Business

Metropolitan Life Insurance Company

200 Park Avenue New York, NY 10166 www.metlife.com

Competitive.

Responsible.

MetLife

life underwriting

“For Internal Use Only.” All underwriting guidelines are subject to change. Individual case circumstances may cause changes or additional requirements to be ordered.

TABLE OF CONTENTS

MetLife Underwriting Manual................................... 1

Telephone Surveys— Consumer Reports .................. 1

Tobacco Use Guidelines.............................................. 2

Routine APS Requirements ........................................ 3

Motor Vehicle Records (MVR)................................... 3

Medical Underwriting Requirements ........................ 4

Criteria Guidelines

Elite Plus ................................................................ 6

Preferred Plus/Select Preferred/Elite .................... 7

Standard Plus - Preferred Nonsmoker ................. 8

Preferred Smoker................................................... 8

Standard (Smoker and Nonsmoker).................. 10

Height and Weight Limit Tables............................... 11

Financial Underwriting Requirements .................... 13

Dependency Guidelines........................................... 14

Retention, Reinsurance Limits and Capacity

Surcharge ............................................................. 15

Foreign Risks ............................................................. 15

Immigrants and Non-Immigrants

Residing in US ..................................................... 16

Foreign Travel by U.S. Permanent Residents........... 17

Foreign Residents..................................................... 19

Underwriting Programs............................................ 22

Policy State and Application Forms......................... 23

Military Personnel..................................................... 23

Managing Your Cases................................................ 24

Refer to THE GUIDE, your Life Underwriting on-line guide for a more in-depth explanation of our underwriting guidelines.

NOTES

____________________________________

MetLife Underwriting Manual

MetLife uses the Swiss Re Life Underwriting Manual as its primary risk selection tool — allowing us to make underwriting decisions that are more in step with:

• Advances in clinical medicine

• The complexities of non-medical risk factors

• Advanced market concepts

• The “best practices” of the life insurance industry

Telephone Surveys—Consumer Reports

As part of the application process, prepare clients to expect a personal history interview phone call.

Quality Assurance (QA) Customer Contact Program—A compliance program via tele-interview

or mailed survey to verify certain information on the application and ensure the client fully understands the product purchased.

Personal History Interview (PHI)—A routine tele-interview will be scheduled to collect certain underwriting information for all ages at amounts of $1,000,001 through $5,000,000 inclusive. Where the insured is the owner, the PHI (only one contact with your customer) will include required compliance questions. Where the owner is not the insured, a postissue written QA survey will be mailed to the owner.

Investigative Consumer Report—All ages over $5,000,000.

Routine APS Requirements

If your client has had a checkup/physical exam within 12–24 months, an APS should be ordered based on the following.

Ages Checkup within Checkup within

12 Months 13– 24 Months

0 $100,001 and over

1–14 $250,000 and over

15–50 $1,000,001 and over Not Applicable

51–60 $500,001 and over

61 + $100,000 and over $100,000 and over

Motor Vehicle Records (MVR)

For the following ages and amounts, driving records will be ordered routinely for all persons proposed for insurance.

Proposed Insured Amounts

Ages 18 – 35 $100,000 and over

Ages 36 – 65 $1,000,001 and over

Ages 66 and older $250,000 and over

Tobacco Use Guidelines

For Elite Plus, Preferred Plus, Select Preferred, Elite, Standard Plus, Preferred Nonsmoker and Preferred Smoker, proposed insureds must meet all other criteria. Cigars, pipes and smokeless tobacco with negative urine specimen qualify for nonsmoker rates; however, Standard Plus and Preferred Nonsmoker are the best available classes. Regardless of admission of cigarette smoking or tobacco use, appropriate smoker class assigned when urine is positive for nicotine.

Elite Plus, Preferred Plus, Select Preferred or Elite (Non-tobacco)—No tobacco (in any form) or nico-

tine substitute use (e.g., nicotine patch, gum, nasal spray) within 5 years (60 months) of application and urinalysis negative for nicotine. Celebratory cigars (e.g. 4 per year), with negative nicotine test, qualiﬁes for Select Preferred, Preferred Plus and Elite, not Elite Plus.

Standard Plus or Preferred Nonsmoker (NonTo b a cc o ) — No cigarette smoking or use of nicotine

substitutes within 24 months of application and urinalysis negative for nicotine; alternate forms of tobacco use (cigar, pipe or smokeless tobacco) currently or in the past and urinalysis negative for nicotine.

Preferred Smoker—Cigarette smoking or use of tobacco substitutes currently or within 24 months of application; or a urinalysis positive for nicotine.

Standard or Substandard Nonsmoker*—Aver a ge or impaired risk, no cigarette smoking or use of nicotine substitutes within 12 months of application; tests negative for nicotine or no testing required.

Standard or Substandard Smoker*—Average or impaired risk, cigarette smoking or use of nicotine substitutes within 12 months of application.

* Note: You are reminded that for Juvenile Standard and Juvenile substan-

dard (ages 0-17), tobacco use guidelines are not applicable and premium rates make no distinction for cigarette smoking or tobacco use.

Types of Exams(All examinations include a urine specimen.)

• Simple Paramedical (SPM)—A limited exam to collect physical measurements and blood/urine specimens.

• Full Paramedical (PM)—A full exam collecting full health histories, blood/urine specimens, physical measurements and EKG if needed.

• MD Exam (MD)—A full exam performed by a medical doctor (MD or DO) who will collect full health histories, blood/urine specimens, physical measurements and perform EKG or TMT if needed. (Board Certiﬁed Internist or Cardiologist required for TMT.)

General Exam Procedures

Prepare your clients for the exam by advising them of the following:

• A valid picture ID as proof of identity will need to be shown to the examiner.

• For optimum specimen results clients should fast for 8-12 hours before their appointment for a full blood specimen.

Remind clients to also have available:

• Names and addresses of any physicians who have attended them, including their primary care physicians.

• Names of any prescriptions, over-the-counter drugs and herbal remedies they are taking.

Notes to Table

1 Ages 0 through 14 are non-medical.

2 Ages 15 through 17 are non-medical up to $1,000,000 inclusive.

3 All urine specimens obtained without a full blood specimen will be tested

for HIV where permitted by law. HIV testing is routinely required at ages 18 and older when the total amount in force and applied for within 12 months is $50,001 in the following jurisdictions: DC, DE, FL, GA, MD, NJ, NY, PR, SC and USVI.

4 An EKG should be ordered in lieu of a treadmill test (TMT) on proposed

insureds known to have coronary risk factors (history of myocardial infarction, angina pectoris or coronary insufﬁciency).

5 Blood testing minimum for MICC/MLAC products continue to be rou-

tinely required at $50,000.

Survivorship Policies—Blood and urine specimens are required for both insureds. The remaining requirements will be ordered on each proposed insured based on

⁄2 the total policy amount.

4 5

Ages1> 15–17 18–40 41–50 51–60 61 and over

Up to $99,999 Non-Medical

Non-Medical

3,5

Non-Medical

3,5

Simple Paramed

3,5

Simple Paramed

3,5

Urine Specimen Urine Specimen

$100,000 Non-Medical

Non-Medical Simple Paramed Paramed Paramed + EKG

to Blood with Blood with Blood with Blood with

$249,999 Urine Specimen Urine Specimen Urine Specimen Urine Specimen

$250,000 Non-Medical

Simple Paramed Paramed Paramed + EKG Paramed + EKG

to Blood with Blood with Blood with Blood with

$999,999 Urine Specimen Urine Specimen Urine Specimen Urine Specimen

$1,000,000 Paramed

Paramed Paramed + EKG Paramed + EKG MD Exam + EKG

to Blood with Blood with Blood with Blood with Blood with

$2,500,000 Urine Specimen Urine Specimen Urine Specimen Urine Specimen Urine Specimen

$2,500,001 Paramed Paramed MD Exam + EKG MD Exam + EKG MD Exam + EKG

to Blood with Blood with Blood with Blood with Blood with

$5,000,000 Urine Specimen Urine Specimen Urine Specimen Urine Specimen Urine Specimen

$5,000,001 Paramed + EKG Paramed + EKG MD Exam + EKG MD Exam + EKG MD Exam

to Blood with Blood with Blood with Blood with EKG

(Ages 61–75)

$10,000,000 Urine Specimen Urine Specimen Urine Specimen Urine Specimen TMT

(Ages 76 & over)

Blood with

Urine Specimen

Over MD Exam + EKG MD Exam + EKG MD Exam + EKG MD Exam + TMT

MD Exam + TMT

$10,000,000 Blood with Blood with Blood with Blood with Blood with

Urine Specimen Urine Specimen Urine Specimen Urine Specimen Urine Specimen

MEDICAL UNDERWRITING REQUIREMENTS

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MetLife August 2007 User Manual

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