Age and Amount Requirement Chart
| Age/Amount | 0 - 16 | 17 - 40 | 41 - 50 | 51 - 60 | 61 - 64 | 65 - 70 | 71 - 80 | Over 80 |
| Under $50,000 |
Non-med Rx |
CMI1 Phys Meas. Oral Fluids Rx MVR |
CMI1 Phys Meas. Oral Fluids Rx MVR |
CMI2 Phys Meas. Oral Fluids Rx MVR |
Paramed
Urine Specimen Rx MVR EIR |
Paramed
Urine Specimen Rx MVR APS EIR |
Tele-CMI3
Phys. Meas.3 Urine Specimen Rx MVR APS |
Tele-CMI3 Phys Meas.3 Urine Specimen Rx MVR Financial Questionnaire APS |
| $50,000 to $249,999 | Non-med Rx |
CMI1 Phys Meas. Blood/Urine Rx MVR |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
Paramed
Blood/Urine Rx MVR EIR |
Paramed
Blood/Urine Rx MVR APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR APS |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
| $250,000 to $499,999 | Non-med Rx |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
Paramed Blood5/Urine Rx MVR APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR APS |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
| $500,000 to $1,000,000 | Non-med Rx APS - 18 months for ages 0 - 1 and > $500k |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
CMI2 Phys Meas.2 Blood/Urine Rx MVR |
Paramed Blood5/Urine Rx MVR APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR APS |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
| $1,000,001 to $2,000,000 | Non-med Rx APS - 18 months |
CMI2 Phys Meas.2 Blood/Urine Rx MVR PHI4 |
CMI2 Phys Meas.2 Blood/Urine Rx MVR PHI4 |
CMI2 Phys Meas.2 Blood5/Urine Rx MVR PHI4 |
Paramed Blood5/Urine Rx MVR PHI4 APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR PHI4 APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
| $2,000,001 to $3,000,000 | Non-med Rx APS - 18 months |
CMI2 Phys Meas.2 Blood/Urine Rx MVR PHI4 |
CMI2 Phys Meas.2 Blood/Urine Rx MVR PHI4 |
CMI2 Phys Meas.2 Blood5/Urine Rx MVR PHI4 APS - 24 months |
Paramed Blood5/Urine Rx MVR PHI4 APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR PHI4 APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
| $3,000,001 to $5,000,000 | Non-med Rx APS - 18 months |
Paramed Blood/Urine Rx MVR PHI4 EIR |
Paramed Blood/Urine Rx MVR PHI4 APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR PHI4 APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR PHI4 APS - 24 months EIR |
Paramed Blood5/Urine Rx MVR PHI4 APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS |
| $5,000,001 to $9,999,999 |
Paramed Rx Third Party Financials APS |
Paramed Blood/Urine Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine Rx MVR Financial Questionnaire PHI4 APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine Senior Supplement Rx MVR Financial Questionnaire APS EIR |
| $10,000,000 | Paramed Rx Third Party Financials APS |
Paramed Blood/Urine Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood/Urine EKG Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine EKG Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine EKG Rx MVR Financial Questionnaire PHI4 APS EIR |
Paramed Blood5/Urine EKG Rx MVR Financial Questionnaire PHI4 APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine EKG Senior Supplement Rx MVR Financial Questionnaire APS EIR |
Tele-CMI3 Phys Meas.3 Blood5/Urine EKG Senior Supplement Rx MVR Financial Questionnaire APS EIR |
| Over $10,000,000 | Paramed Rx Third Party Financials APS |
Paramed Blood/Urine Rx MVR APS EIR* for > $10-$20M IR for >$20M Third Party Financials |
Paramed Blood/Urine EKG Rx MVR APS EIR* for > $10-$20M IR for >$20M Third Party Financials |
Paramed Blood5/Urine EKG Rx MVR APS EIR* for > $10-$20M IR for >$20M Third Party Financials |
Paramed Blood5/Urine EKG Rx MVR APS EIR* for > $10-$20M IR for >$20M Third Party Financials |
Paramed Blood5/Urine EKG Rx MVR APS Third Party Financials Age 65: EIR* for > $10-$20M, IR for >$20M Age 66+: IR |
Tele-CMI3 Phys Meas.3 Blood5/Urine EKG Senior Supplement Rx MVR APS IR Third Party Financials |
Tele-CMI3 Phys Meas.3 Blood5/Urine EKG Senior Supplement Rx MVR APS IR Third Party Financials |
Key
CMI: Client Medical Interview
Tele-CMI: Telephone Client Medical Interview
PHI: Personal History Interview - required for non-U.S. citizens only or at underwriter discretion.
RX: Prescription Check
MVR: Motor Vehicle Report
EIR: Electronic Inspection Report
IR: Written Inspection Report
APS - 24 months: Attending Physician Statement needed if seen in the last 24 months
APS - 18 months: Attending Physician Statement needed if seen in the last 18 months
APS: Attending Physician Statement
- * Third-party financials are requested through financial professionals when the proposed insured is 65 years old and younger, and total amount at risk is more than $10 million. For personal coverage, these include federal tax returns (past two years), OR bank/financial statements from a CPA or attorney. For business coverage, we need a profit/loss statement AND corporate financial statements from a CPA or attorney.
- 1 CMI is not available in all circumstances. If the CMI is not done or not available, a Nonmedical part 2 is required.
- 2 CMI and Phys. Meas. (if footnoted) are not available in all circumstances. If the CMI is not done or not available, a Paramedical part 2 is required. When another company's Paramed exam is used, a fully completed MassMutual Non-med, CMI, or Tele-CMI is required.
- 3 Tele-CMI and Phys. Meas. are not available in all circumstances. If the Tele-CMI is not done/available, a Paramed and PHI are required.
- 4 A PHI is required for non-citizen U.S. residents or foreign national non-U.S. residents (unless obtaining a written inspection report for High-Net-Worth Foreign Nationals). See the Foreign Risk section for additional information on our foreign nationals programs. Otherwise, the PHI is only needed at underwriter discretion.
- 5 NTproBNP testing required.