In some instances, the amount used for underwriting requirements will be larger than the face amount on the application. These instances include:

1. Current in-force life coverage with Symetra Financial or American States that was applied for within the last 5 years: Take the total of all face amounts. See Underwriting for more information.


2. 2 Guaranteed Insurability Option (GIO): Add the applied-for GIO amount to the face amount.