Chase Insurance Life and Annuity Company Information

Name:	Chase Insurance Life and Annuity Company
Description:	Chase Insurance Life and Annuity Company is a member of J.P. Morgan Chase Co.
Website:	http://www.chase.com
Customer Service:	1-800-321-9313
Address:	2500 Westfield Drive Elgin, IL 60123-7836
Offered by QuickQuote in:	All states except for NY, TX, VI, WV, WY
Year Founded:	1905
AM Best Rating:	A as of 2006
S&P Rating:	A
Included Term Life Product Features
Conversion Provision:	Included with no extra premium. Prior to the earlier of the 20th policy anniversary or the policy anniversary nearest the insured�s 70th birthday, the policy may be converted to an eligible Chase Insurance whole life or flexible premium adjustable (cash value) life insurance policy. The new policy must havea higher minimum-premium rate than the Chase Insurance ChaseTerm plan at the time of conversion.
Accelerated Death Benefit:	Automatically added at no additional cost in states where available, this rider provides for advance payment upon request of the lesser of 50% of the existing death benefit or $250,000, if you have become terminally ill with a life expectancy of 12 months or less. The minimum amount that may be accelerated is $10,000. A one timeadministrative fee will be deducted from the advance and an interest bearing lien will be established against the policy. Receipt of anadvance may affect eligibility for public assistance programs and may be taxable. Consult with social service agencies and a qualified tax advisor. Issue ages 1-80. Rider series S-9379.
Optional Term Life Product Features
Waiver of Premium Rider:	Available with extra premium. Provides for the payment of policy premiums in the event of the total disability of the insured, with a six month waiting period. Issue ages are 20-55. Coverage expires at the policy anniversary nearest attained age 60. Please email or call for details and premium rates. Rider series S-9335.
Dependent Children's Rider:	Available with extra premium. Provides term life insurance coverage for the insured's dependent children. Parent issue ages are 18-60 and child issue ages are 15 days - 18 years. Coverage expires on the earlier of the child's age 23 or the insured's age 65. One unit equals $1,000 coverage with 5-20 units available. Cost per unit is $8.00 annually. Rider series S-9308.
Accidental Death Benefit:	Available with extra premium. This rider pays an additional death benefit if thecause of death is due to a covered accident. Issue ages 18 to 60. Death must occur prior to age 70. Death must occur within 90 days after the covered accident. The minimum face amount is $25,000 and the maximumface amount is $250,000. The ADB rider's face amount cannot exceed the plan's face amount. Please email or call for details and premium rates. Rider series S-6011.
Other Information
Legal Information	Policy Form Series R-3210, R-3213 and S-3224. Premiums include the annual policy fee of $60.00. Maximum issue ages in WA: 10-yr = 70, 15-yr = 65, 20-yr = 60.

COMPANY PLANS(back to top)

Complete Term 15 View Brochure	15-year term life insurance with rates guaranteed for 15 years. The plan returns all premiums paid by the policy owner at the end of the 15-year term if no claim has been made. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.
Complete Term 20 View Brochure	20-year term life insurance with rates guaranteed for 20 years. The plan returns all premiums paid by the policy owner at the end of the 20-year term if no claim has been made. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.
Complete Term 30 View Brochure	30-year term life insurance with rates guaranteed for 30 years. The plan returns all premiums paid by the policy owner at the end of the 30-year term if no claim has been made. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.
ChaseTerm 10	10-year term life insurance with rates guaranteed for 10 years.
ChaseTerm 20	20-year term life insurance with rates guaranteed for 20 years.
ChaseTerm 15	15-year term life insurance with rates guaranteed for 15 years.
ChaseTerm 30	30-year term life insurance with rates guaranteed for 30 years.

COMPANY UNDERWRITING GUIDELINES(back to top)

Below is a table showing the rating class you would most likely fit into based on an answer to an underwriting guideline question. Remember this is only a guide and actual underwriting guidelines and class are determined at the time of underwriting. If you are classified as a tobacco/nicotine user, the classes available to you will be Preferred Tobacco and Standard Tobacco.
	Premier	Preferred	Select	Standard	Preferred Tobacco	Standard Tobacco
Did either of your natural parents or siblings have a history of Coronary Artery Disease (heart attack, stroke, hypertension, etc.) prior to age 60?	No	Yes
Did either of your natural parents or siblings die of Coronary Artery Disease (heart attack, stroke, hypertension, etc.) prior to age 60?	No			Yes, one death
Did either of your natural parents or siblings have a history of cancer (males: colon or prostate; females: colon, breast or ovarian) prior to age 60?	No	Yes
Did either of your natural parents or siblings die of cancer (males: colon or prostate; females: colon, breast or ovarian) prior to age 60?	No			Yes, one death
Are you currently being treated for hypertension (high blood pressure)?	No	Yes
What is your current blood pressure reading (if you are currently being treated)?	Not applicable	Age 61+: <140/90	Age 61+: <150/90	Age 61+: >155/92
What is your current blood pressure reading (if you are not currently being treated)?	Age 61+: <145/90	Age 61+: <150/90		Age 61+: <155/92
Are you currently being treated for high cholesterol?	No	Yes
What is your current cholesterol level?	Chol/HDL ratio <5.0 and chol <220	Chol/HDL ratio <6.0 and chol <240	Chol/HDL ratio <7.5 and chol <265	Chol/HDL ratio <8.0 and chol <300
Do you participate in hazardous activities?	No	Yes
What is your history of tobacco/nicotine usage?	None in last 5 years	None in last 3 years	None in last 1 year		Current User
Do you participate in private aviation?	No			Yes
Have you had any instances of DUI, reckless driving, or had a license revoked/suspended?	No			Yes, 2-5 yrs ago
Do you have any recent motor vehicle driving violations?	No		Yes, 3 in past 3 yrs	Yes, > 3 in past 3 yrs

* - Tobacco classes depend on current or past tobacco use. See the table below for specific tobacco usage policies for Chase Insurance Life and Annuity Company.
None in last 5 years	You may qualify for		Premier
None in last 4 years	You may qualify for		Preferred
None in last 3 years	You may qualify for		Preferred
None in last 2 years	You may qualify for		Select
None in last 1 year	You may qualify for		Select
Never	You may qualify for		Premier
Current User	You may qualify for		Preferred Tobacco

Legal Information Policy Form Series R-3210, R-3213 and S-3224. Premiums include the annual policy fee of $60.00. Maximum issue ages in WA: 10-yr = 70, 15-yr = 65, 20-yr = 60.

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