Preferred/Standard Graded/Modified Decline GI Only

—

All Carriers

American Amicable

Liberty Bankers

Royal Neighbors

American Home Life

Foresters PlanRight

United Home Life

RNA Jet WL

American Amicable

Dignity Solutions

Tier	Issue Ages	Min Face	Max Face
Immediate	50–85	$2,500 ($5,000 WA)	Ages 50–75: $50,000 · Ages 76–85: $25,000
Graded	50–85	$2,500 ($5,000 WA)	Ages 50–75: $50,000 · Ages 76–85: $25,000
ROP	50–85	$2,500 ($5,000 WA)	$25,000

American Home Life

AHL — Simplified Issue WL

Age Band	Standard/Preferred Max	Modified Max
Ages 40–55	$2,500 – $50,000	$2,500 – $25,000
Ages 56–65	$2,500 – $40,000	$2,500 – $25,000
Ages 66–75	$2,500 – $30,000	$2,500 – $25,000
Ages 76–89	$2,500 – $25,000	Not available

Issue ages: 50–85 (SI) · 50–80 Modified

Foresters PlanRight

Preferred / Standard / Basic / GI

Tier	Face Amount Range	Notes
Preferred	$5,000 – $35,000	Dependent on state
Standard	$5,000 – $35,000	Dependent on state
Basic	$5,000 – $35,000	Dependent on state
GI Whole Life	$2,000 – $25,000	Ages 0–80 · Build not a knockout

Liberty Bankers

SIMPL / MWL

Tier	Issue Ages	Face Amount Range
SIMPL Preferred	18–89	$1,000 – $40,000
SIMPL Standard	18–89	$1,000 – $40,000
MWL (Modified)	18–89	$1,000 – $40,000 (limited by state)

Royal Neighbors

Ensured Legacy — SIWL / GDB / GI

Tier	Issue Ages	Min Face	Max Face
SIWL Preferred	50–75	$25,000	$40,000
SIWL Standard	50–85	$5,000	$40,000
GDB (Graded)	50–85	$5,000	$20,000
GI	50–80	$3,000	$10,000

Royal Neighbors Jet WL

Super Preferred → Substandard

Tier	Issue Ages	Face Amount	Notes
Super Preferred (NT)	18–80	$25,000 – $5,000,000	Accelerated up to $500K (18–50)
Preferred (NT)	18–80	$25,000 – $5,000,000
Preferred (Tobacco)	18–80	$25,000 – $5,000,000
Standard (T/NT)	18–80	$25,000 – $5,000,000
Substandard 1 or 2	18–80	$25,000 – $5,000,000	Accelerated up to $250K (51–60)

Max face depends on age and underwriting type. Fully underwritten above accelerated benefit limits.

United Home Life

GIWL / EIWL / Deluxe WL

Product	Issue Ages	Min Face	Max Face
GIWL	0–80	$2,000	$25,000
EIWL	20–80	$5,000	$100,000
Deluxe WL	20–85	$10,000	$150,000

American AmicableDignity Solutions

✔

Citizens

Allowed with or without Driver's License

✔

SSN / Alternate ID

SSN preferred; alternate ID with reasons accepted

~

Citizenship status

Not directly restrictive — focuses on valid identity details

American Home LifeAHL

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible with valid SSN

✗

Visa holders / Foreign nationals / No SSN

Automatic decline

Foresters PlanRight

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

✗

Visas / Undocumented

No visas or undocumented individuals allowed

Liberty BankersSIMPL / MWL

✔

U.S. Citizen

Eligible

✔

Legal Permanent Resident (Green Card)

Eligible

✔

Legal non-citizen

Eligible with valid SSN or ITIN and long-term residency

~

SSN / ID

SSN required; DL or State ID requested but not mandatory

Royal NeighborsEnsured Legacy

✔

U.S. Citizen

Applicant becomes a beneficial member of Royal Neighbors of America

✔

Green Card Holder

Copy of permanent resident card required during application

~

Non-permanent resident (visa)

Valid visa + I-94 + evidence of U.S. ties required

✗

No legal U.S. residency

Automatic decline

Royal Neighbors Jet WL

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

✗

Visa holders / Foreign nationals / No SSN

Automatic decline

United Home LifeGIWL / EIWL / Deluxe

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

✗

Visas / Undocumented

Automatic decline

American Amicable

Dignity Solutions

FREE

Terminal Illness Accelerated Death Benefit (all plans)

FREE

Confined Care Accelerated Death Benefit (Immediate plan only)

OPT

Grandchild Rider (all plans)

OPT

Nursing Home Waiver of Premium (Immediate plan only)

OPT

Children's Insurance Agreement (not available on ROP)

OPT

Accidental Death Benefit Agreement (not available on ROP)

American Home Life

AHL

FREE

Accelerated Death Benefit — Terminal Illness or Permanent Confinement (Level plan only; reduces death benefit)

OPT

Accidental Death Benefit Rider (ages 40–70 only)

OPT

Children's Term Rider (insured ages 18–75)

OPT

Return of Premium — Modified plans only; select states

OPT

Premium Waiver Rider (state-specific; select plans)

Foresters PlanRight

FREE

Accelerated Death Benefit — Terminal Illness (reduces death benefit)

OPT

Accidental Death Benefit Rider (available on some plans)

OPT

Child Rider — add children's coverage (not available on GIWL)

OPT

Waiver of Premium Rider (Deluxe WL only; select policies)

Liberty Bankers

SIMPL / MWL

OPT

Child / Grandchild Rider (up to $7,500 each; ages 15 days–18 yrs; supplemental app required)

OPT

Accidental Death & Dismemberment (AD&D)

OPT

Waiver of Premium

Royal Neighbors

Ensured Legacy — SIWL / GDB

FREE

Accelerated Death Benefit — Terminal Illness & Permanent Confinement (SIWL & GDB only; not on GI). Up to 75% of face, max $100,000. Lien-based.

OPT

Accidental Death Benefit Rider — Issue ages 50–70; expires age 80; available at issue only

Royal Neighbors Jet WL

FREE

Identity Theft Protection (built into some policies automatically)

FREE

Accelerated Death Benefit — up to $500K (ages 18–50) / up to $250K (ages 51–60)

All Carriers

American Amicable

American Home Life

Foresters PlanRight

Liberty Bankers

Royal Neighbors

United Home Life

American Amicable (Dignity Solutions) — Preferred Max · Heights 4'8"–6'11"

Height	Preferred Max

American Home Life (AHL) — Preferred / Standard / Modified · Heights 4'10"–6'4"

Height	Preferred Max	Standard Max	Modified Max

Foresters PlanRight — Min Weight / Preferred / Standard / Basic · Heights 4'10"–6'5"

Height	Min Weight	Preferred Max	Standard Max	Basic Max

Note: Build is NOT a knockout for GIWL.

Liberty Bankers — SIMPL Preferred / Standard / MWL · Heights 4'5"–6'11"

Height	SIMPL Preferred Max	SIMPL Standard Max	MWL Max

Royal Neighbors Ensured Legacy — Preferred Max · Heights 4'8"–6'11"

Height	Preferred Max

Royal Neighbors Jet WL — Standard / Substandard / Decline · Heights 4'10"–6'6"

Height	Standard Max	Substandard Max	Decline If ≥

United Home Life (UHL) — GIWL / EIWL / Deluxe WL

GIWL: Build is NOT a knockout for Guaranteed Issue Whole Life.

EIWL & Deluxe — standard simplified issue guidelines apply. Approximate ranges:
5'5" = up to 270 lbs · 5'8" = up to 300 lbs · 6'0" = up to 320 lbs

American Amicable (Dignity Solutions) — Preferred Max · Heights 4'8"–6'11"

Height	Preferred Max

American Home Life (AHL) — Preferred / Standard / Modified · Heights 4'10"–6'4"

Height	Preferred Max	Standard Max	Modified Max

Foresters PlanRight — Min Weight / Preferred / Standard / Basic · Heights 4'10"–6'5"

Height	Min Weight	Preferred Max	Standard Max	Basic Max

Note: Build is NOT a knockout for GIWL.

Liberty Bankers — SIMPL Preferred / SIMPL Standard / MWL · Heights 4'5"–6'11"

Height	SIMPL Preferred Max	SIMPL Standard Max	MWL Max

Royal Neighbors Ensured Legacy — Preferred Max · Heights 4'8"–6'11"

Height	Preferred Max

Royal Neighbors Jet WL — Standard / Substandard / Decline · Heights 4'10"–6'6"

Height	Standard Max	Substandard Max	Decline If ≥

United Home Life (UHL) — GIWL / EIWL / Deluxe WL

GIWL: Build is NOT a knockout for Guaranteed Issue Whole Life.

EIWL & Deluxe — standard simplified issue guidelines apply. Approximate ranges:
5'5" = up to 270 lbs · 5'8" = up to 300 lbs · 6'0" = up to 320 lbs

Final Expense — Underwriting Quick Reference

American Amicable

American Home Life

Foresters PlanRight

Liberty Bankers

Royal Neighbors

Royal Neighbors Jet WL

United Home Life

American Amicable

American Home Life

Foresters PlanRight

Liberty Bankers

Royal Neighbors

Royal Neighbors Jet WL