Part A - Insured

1 pt

Male 70 or younger       Female 73 or younger

2 pts

Male 70-74                    Female 73-77

3 pts

Male 75-79                    Female 78-82

4 pts

Male 80 or older            Female 83 or older

1 pt

In good health

2 pts

Minor health problems

3 pts

Significant health change since policy issue

4 pts

Serious health problems

Part B - The Policy

1 pt

Whole Life

2 pts

Survivorship

3 pts

Convertible Term

4 pts

Universal or Joint Survivorship with 1 deceased

1 pt

Cash or loan value exceeds 30% of death benefit

2 pts

Cash or loan value 20%-29% of death benefit

3 pts

Cash or loan value 10%-19% of death benefit

4 pts

Cash or loan value less than 10% of death benefit

1 pt

Premium exceeds 7% of death benefit

2 pts

Premium 5%-7% of death benefit

3 pts

Premium 3%-5% of death benefit

4 pts

Premium 3% or less than death benefit

Total Score