Prudential's Foreign Travel Highlighter
04-15-2008
When underwriting insurance policies, life insurance companies evaluate the amount of time a proposed insured spends outside of the United States (U.S.).
The life expectancy of individuals who spend a significant amount of time outside the U.S. may be affected by the conditions of the countries they frequent. These conditions may include poor economic conditions, widespread disease, lower standards of public health and sanitation, lack of proper medical facilities and different cultural attitudes toward personal health and safety. Therefore, underwriting generally takes into account the increased mortality risks that may be presented by Non-U.S. Residents, Short-Term U.S. Residents and individuals who travel to foreign countries.
This highlighter provides information on how Underwriting evaluates individuals who travel to foreign countries. For additional information on Non-U.S. Residents and Short-Term U.S. Residents, refer to the Non-U.S. Residents Highlighter and the Short-Term U.S. Residents Highlighter in the attachment to the right.
