Universal Life and Issue Ages 0-14

One of the most common calls we receive related to young children, is how to set them up for our Supernova or Flexwealth Advantage Universal Life.

One important tip to remember for issue ages 0-14 is that for both the Supernova and Flexwealth Advantage, the child has to be quoted as Preferred Non-Tobacco.  The easiest way to set up the illustration for these issue ages is to first select Preferred Non Tobacco as the risk class and to then input the child's birthday.  If you leave the risk class as Standard Non Tobacco and input the birthday, the age will default to 15 because age 15 is the youngest age that can be quoted as Standard Non-Tobacco.

Please refer to the charts below for any questions you have related to issue age or risk class for these products.