ISN     Insurance Sales Network

 
MetLife Investors USA Insurance Company - Underwriting Information
Male
Amount / Ages		 0 - 14 15 - 17 18 - 40 41 - 50 51 - 60 61 - 99
0 - 99,999 A A A2 A2 B2 B2
100,000 - 249,999 A A C D E F
250,000 - 999,999 A A D E F F
1,000,000 - 2,500,000 A E E F F G
2,500,001 - 5,000,000 A E E G G G
5,000,001 - 10,000,000 A F F G G G3
10,000,001 - 50,000,000 A G G G H4 H4

Female
Amount / Ages		 0 - 14 15 - 17 18 - 40 41 - 50 51 - 60 61 - 75 76 - 99
0 - 99,999 A A A2 A2 B2 B2 C3
100,000 - 249,999 A A C D E F F4
250,000 - 999,999 A A D E F F F
1,000,000 - 2,500,000 A E E F F G G
2,500,001 - 5,000,000 A E E G G G G
5,000,001 - 10,000,000 A F F G G G3 H2
10,000,001 - 50,000,000 A G G G H4 H4 H2


Requirements Combination Key
 A  Non-Med
 B  Urinalysis, Physical Measurements
 C  Non-Med, Blood Profile, Urinalysis
 D  Blood Profile, Urinalysis, Physical Measurements
 E  Paramed, Blood Profile, Urinalysis
 F  Paramed, Blood Profile, Urinalysis, EKG
 G  Blood Profile, Urinalysis, EKG, Physician Exam
 H  Blood Profile, Urinalysis, Physician Exam, Treadmill Test


Footnote Key
1 Ages 15 through 17 are non-medical up to $1,000,000 inclusive.
2 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. DC and USVI require DBS w/urine.
3 TMT required instead of EKG for ages 76 & over.
4 An EKG should be ordered in lieu of a treadmill on proposed insureds known to have coronary risk factors (history of myocardial infarction, angina pectoris or coronary insufficiency). A treamdmill requires the presence of of a Board Certified Internist (BCI) or Cardiologist.


MetLife Investors USA Insurance Company - Build Chart
Female Term HT/WT Limits
Height ENS PNS SPNS SNS
 4' 8" 128 133 145 188
 4' 9" 131 136 148 192
 4' 10" 134 139 151 196
 4' 11" 138 143 155 200
 5' 0" 141 146 158 204
 5' 1" 144 149 162 209
 5' 2" 148 153 166 213
 5' 3" 152 157 170 218
 5' 4" 156 161 175 224
 5' 5" 161 166 180 230
 5' 6" 165 170 185 236
 5' 7" 169 174 189 242
 5' 8" 174 179 194 249
 5' 9" 178 183 199 256
 5' 10" 183 188 204 263
 5' 11" 188 193 209 270
 6' 0" 194 199 216 278
 6' 1" 198 203 221 286
 6' 2" 204 209 227 294
 6' 3" 209 214 233 302
 6' 4" 216 221 240 310
 6' 5" 222 227 246 318
 6' 6" 228 233 253 325
 6' 7" 235 240 260 333
 6' 8" 241 246 266 341
 6' 9" 247 252 273 349
 6' 10" 254 259 280 357
 6' 11" 261 266 288 369
Standard limits are Unisex HT/WT Age 16 & over
ENS Elite Plus Nonsmoker
PNS Preferred Plus Nonsmoker
SPNS Standard Plus Nonsmoker
SNS Standard Nonsmoker
Male Term HT/WT Limits
Height ENS PNS SPNS SNS
 4' 8" 133 138 155 188
 4' 9" 136 141 158 192
 4' 10" 139 144 161 196
 4' 11" 143 148 165 200
 5' 0" 146 151 168 204
 5' 1" 149 154 172 209
 5' 2" 153 158 176 213
 5' 3" 157 162 180 218
 5' 4" 161 166 185 224
 5' 5" 166 171 190 230
 5' 6" 170 175 195 236
 5' 7" 174 179 199 242
 5' 8" 179 184 204 249
 5' 9" 183 188 209 256
 5' 10" 188 193 214 263
 5' 11" 193 193 219 270
 6' 0" 199 204 226 278
 6' 1" 203 208 231 286
 6' 2" 209 214 237 294
 6' 3" 214 219 243 302
 6' 4" 221 226 250 310
 6' 5" 227 232 256 318
 6' 6" 233 238 263 325
 6' 7" 240 245 270 333
 6' 8" 246 251 276 341
 6' 9" 252 257 283 349
 6' 10" 259 264 290 357
 6' 11" 266 271 298 369
Standard limits are Unisex HT/WT Age 16 & over
ENS Elite Plus Nonsmoker
PNS Preferred Plus Nonsmoker
SPNS Standard Plus Nonsmoker
SNS Standard Nonsmoker