| Blended | OLI_TOBPREMBASIS_BLENDED | 5 | Identifies a rate class that may be appropriate for smokers and non-smokers or tobacco
users and non tobacco users. For example, rate classes that are targeted for the very old
or very young insured or rate classes that cover both lower risk tobacco users and non
tobacco users. | |
| Nicotine Non-Tobacco | OLI_TOBPREMBASIS_NONTOBACCO | 3 | Identifies a rate class that is specifically targeted for insureds that use products that
contain nicotine but none that are tobacco based. An example of a product that contains
nicotine but no tobacco is nicotine gum.As defined, this class is usually applicable when there is a distinction between the Non
Smoker (tc=1) class and this Nicotine Non-Tobacco class. | |
| Non Smoker | OLI_TOBPREMBASIS_NONSMOKER | 1 | Identifies a rate class that is appropriate for insureds that do not use tobacco- and
nicotine-based products based on the carrier's unique criteria as a "non
smoker."Some carriers may use the terminology "Non Smoker" while other carriers may use
the terminology "Non Tobacco" in the name of the rate class. | |
| Other | OLI_OTHER | 2147483647 | | |
| Smoker | OLI_TOBPREMBASIS_SMOKER | 2 | Identifies a rate class that is appropriate for insureds that use cigarettes, or meet the
carrier's unique criteria as a "smoker." In many cases, smoker classes are
applicable to users of any or most tobacco- and nicotine-based products. This is considered
the highest risk for a smoking category. | |
| Tobacco Lower Risk | OLI_TOBPREMBASIS_TOBACCO | 4 | Identifies a rate class that is specifically targeted for lower risk tobacco use. Lower
risk is typically defined by frequency of use or type of nicotine or tobacco products used.
Tobacco lower risk is usually only applicable for life insurance products that also support
a Smoker (tc=2) class for higher risks. | |
| Unknown | OLI_UNKNOWN | 0 | | |