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...Voya individual life underwriting fully underwritten products distributor reference guide for agent use only not public distribution the provides general information about our typical needs and representative risk decisions some commonly encountered situations regarding insurance companies reserve right to request in addition that described this take into account all aspects of application other we obtain therefore actual case may vary from guidelines provided additional please contact your how medical non impairments are included assist producer providing necessary most favorable assessment on financial perspectives is located pages a specific situation or more details consult under writing submission age amount requirements preferred criteria found when you submit provide cover letter include as much relevant have available maximum ratings permanent be issued through table rating equivalents numerical average mortality percentage b h c j d l e p f impairment factors possible range an...