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Information contained within is a general overview. Check state specific applications & carrier underwriting guidelines for details for each state.

AIG Guar Issue WL ResultsCFG Diginified Choice ResultsFOR PlanRight ResultsGreat Western WL ResultsKemper Guar Issue WL ResultsMOO Living Promise ResultsPHX Remembrance ResultsTRANSAM Solution Results
Time PeriodTime PeriodTime PeriodTime PeriodTime PeriodTime PeriodTime PeriodTime Period

PART A QUESTIONS

AIDS or ARC OK ages 50-85 OK ever diagnosed or treated for (also HIV, ARC & an Immune Deficiency Disorder) Decline if ever tested positive or diagnosed (also HIV & other sickness/cond derived from such infection) Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. Also HIV. OK OK ages 40-80 OK ever had or been treated for, also HIV Decline if ever, also HIV Decline if ever tested positive or diagnosed (also HIV) Decline if
Alzheimers/dementia/Lou Gehrigs (ALS) OK ages 50-85 OK OK for Classic Security graded plan OK ever diagnosed, received or advised treatment/med including Aricept, Cognex, Donepezil, Exelon, Razadyne or Namenda Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. ALS is OK ages 40-80 for level benefit plan. Alzheimers/dementia is OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever had/treated for/advised treatment, Huntington's disease & Myelodysplastic syndrome (MDS) also Decline if ever Decline if ever diagnosed or rec'd treatment/meds for (also organic brain disease, mental incapacity, memory loss) Decline if
amputation OK ages 50-85 OK ever due to disease Decline if due to complications of diabetes Decline if OK ages 40-80 for level benefit plan OK OK ages 40-80 OK ever due to diabetic complications, quadriplegia & paraplegia Decline if due to disease within 1 yr or otherwise is decline. Due to injury is OK. Decline if ever advised to have due to disease or disorder (also diabetic coma) Decline if
aneurysm OK ages 50-85 OK In Part B Questions In Part B Questions OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK N/A OK ever Decline if Ages 45-85: in Part B Questions. Ages 0-44: within 2 yrs = decline, surgically corrected 2-3 yrs ago = graded, surgically corrected > 3 yrs ago = Pref.
any cancer (other than basal cell skin) OK ages 50-85 OK if diagnosed/treated/meds in last 24 mo, OK for Classic Security graded plan. If in last 25-60 months = Classic Select full benefit OK currently have or ever had/diagnosed with more than 1 occurrence of the same or different type of cancer Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever, metastatic cancer or recurrent cancer of the same type & past 2 yrs any cancer (also excluding squamous cell skin cancer) Decline if If diagnosis or treatment in the past 5 years (excluding basal cell carcinoma), also if ever diagnosed/treated/advised for more than one occurrence or cancer that has spread. Decline if Ages 45-85: 2-4 yrs (depending on state) diagnosed, treated or advised to rec treatmt = decline. Ages 0-44: within 2 yrs = decline, > 2 yrs see chart in underwriting guide. Hodgkins: complete remission/single episode & 0-6 yrs since recovered/last treatment = decline, > 6 yrs since recovered/last treatment = graded. Non-Hodgkins Lymphoma: 0-10 yrs since recovered/last treatment = decline, > 10 yrs since recovered/last treatment = Pref
Cerebral palsy OK ages 50-85 OK OK for Classic Security graded plan OK OK if all health questions on the app are answered No & depending on meds OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK mild to moderate = OK, severe = decline ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if
cirrhosis, hepatitis B or C or other liver disease OK ages 50-85 OK In Part B Questions In Part B Questions OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever, cirrhosis only Decline if ever Decline if in part B for age 45-85. Ages 0-44: cirrhosis within 2 yrs = decline, 2-10 yrs = Std, >10 yrs = Pref. Hep B chronic, active or current treatment = decline, fully recovered & no residuals = Pref. Hep C active or treatment within 2 yrs = decline, in remission for 5 yrs & no complications = graded, all others = decline.
confined to wheelchair OK ages 50-85 OK currently due to disease, illness or quadriplegia Decline if currently due to chronic illness/disease or req assistance w/ADLs Decline if OK ages 40-80 for level benefit plan OK OK ages 40-80 OK currently or electric scooter other than for fractures, bone or joint surgery, including replacement Decline if in past 12 mo, required use of a wheelchair due to chronic illness or disease Decline if Ages 45-85, past 2 yrs used wheelchair or electric scooter (if temporary, provide further details). If ages 0-44: within 2 yrs = decline, > 2 yrs since last use = Pref
congestive heart failure OK ages 50-85 OK OK for Classic Security graded plan OK ever diagnosed, received or advised treatment/med Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever Decline if ever Decline if in part B for age 45-85. Ages 0-44 = decline
Cystic fibrosis OK ages 50-85 OK OK for Classic Security graded plan OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK ever Decline if ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if
diabetes OK ages 50-85 OK In part B Questions In part B Questions Ok ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan unless they're insulin dependent. OK OK ages 40-80 OK ever - insulin shock or diabetic coma only Decline if Under age 30 is decline, also decline if in past 2 yrs diagnosed/treated/meds for diabetic coma, diabetic shock, amputation, eye or kidney problems due to complications. Decline if Ages 45-85: if ever been in diabetic coma or had/advised to have an amputation due to disease or disorder = decline. Ages 0-44: decline if ever been in a coma, if 29 yrs old & younger when diagnosed or if on insulin & poor or uncontrolled. If no insulin & 30-44 yrs old when diagnosed = Std. If insulin & 30-44 yrs old when diagnosed = Graded. Peripheral Vascular Disease (PVD): operated/single surgery & 0-6 months since surgery = decline, > 6 months since surgery & mild/moderate = graded, severe = decline, unoperated & mild/moderate = Std.
Down's syndrome OK ages 50-85 OK OK for Classic Security graded plan OK N/A OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever Decline if ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if
drug or alcohol abuse OK ages 50-85 OK In Part B Questions In Part B Questions OK ages 40-80 for level benefit plan OK OK ages 40-80 OK In Part B Questions in past 5 yrs any use/treatment Decline if in part B for age 45-85. For ages 0-44: alcohol in past 2 yrs = decline, if in recovery 2-5 yrs w/no drinks = graded, if in recovery 5-8 yrs w/no drinks = preferred. Drugs within 3 yrs = decline, 3-6 yrs since last use = graded, >6 yrs since use = preferred. Marijuana: >4 times a week = decline, 3-4 times a week = Std, 1-2 times a week = Pref.
heart attack, angina, had or been advised to have heart surgery including bypass & pacemaker OK ages 50-85 OK within 6 months = Classic Security graded plan, within 7-24 months = Classic Advantage graded plan OK In Part B Questions OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK past 12 mo - heart disease or heart surgery only Decline if Ever, also heart disease, congestive heart failure, myocardial infraction, pulmonary hypertension, stent placement, transplant or valve replacement, coronary artery disease, cardiomyopathy, bundle branch block (LBBB), pacemaker, pulmonary fibrosis, pulmonary hypertension = decline. Atrial Fibrillation is OK if diagnosed over 2 yrs, no current treatment & current age 50+. Heart murmur is possible accept, call underwriting. Decline if In part B for age 45-85. For ages 0-44: Angioplasty, stent, bypass, pacemaker, heart attack, heart surgery, heart valve replacement is a decline. Decline if
heart/lung/liver/bone marrow transplant OK ages 50-85 OK ever had/recommended Decline if ever rec'd/advised organ or tissue transplant Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs for a kidney, lung, heart or liver transplant. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever received or advised to receive Decline if past 2 yrs, advised/treated/diagnosed/meds for organ transplant. All kidney/renal, liver, lung transplants are decline. Decline if ever received or advised to receive (except corneal) also for ages 0-44 if received/advised for implanted defibrillator Decline if
height/weight No requirement OK Yes, see chart Yes, see chart No requirement OK No requirement OK Yes, see chart Yes, see chart ages 0-44 only, see chart
hospitalized, bedridden, in NH or LTC facility, rec'g hospice or home healthcare OK ages 50-85 OK currently (also institutionalized in penal or psychiatric facility) Decline if currently, also psychiatric or correctional facility, skilled nursing facility & advised to receive hospice Decline if OK ages 40-80 for guaranteed issue, graded death benefit. Also graded if in past 2 yrs been in hospital for 5 or more days (even if not consecutive). OK OK ages 40-80 OK currently also advised to have care in NH, skilled nursing facility, home health, hospice Decline if currently Decline if currently, also assisted living facility Decline if
inpatient surgery OK ages 50-85 OK N/A. Only decline if surgery has been recommended or is pending OK 12 mo surgery, hospitalization or diagnostic test which hasn't been started, completed or results unknown Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. Ok ages 40-80 for level benefit plan unless been in hospital in past 2 yrs for 5 or more days (even if not consecutive). OK OK ages 40-80 OK past 12 mo, also hospitalizaiton & diagnostic testing Decline if past year, scheduled/advised to have any diagnostic tests or surgery not yet performed or results not received Decline if Ages 45-85 if in next 2 yrs, planning to have inpatient surgery. Decline if
kidney dialysis OK ages 50-85 OK decline if received in last 12 months. Kidney disease & failure in the last 36 months = Classic Advantage 12 mo had Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 40-80 OK ever, also end state renal disease Decline if ever Decline if Ages 45-85: In part B Questions. Ages 0-44 = decline, also kidney failure.
Mental incapacity OK ages 50-85 OK mental retardation is OK for Classic Security graded plan OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK ever Decline if OK if highly functioning & living independently. Otherwise, decline. ever Decline if
Mental retardation OK ages 50-85 OK OK for Classic Security graded plan OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK N/A OK highly functioning & living independently is OK. Otherwise, decline. age 45-85: ever diagnosed or rec'd treatment/meds for (also Huntington's) = decline. Ages 0-44: < age 6 is decline, age 6+ mild is preferred, all others is decline.
Muscular dystrophy OK ages 50-85 OK OK for Classic Security graded plan OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK call underwriting, call underwriting ever Decline if Ages 45-85 in part B. Ages 0-44: Duchenne, Distrophia Mytonica = decline, Becker & Limb Girdle = graded or decline, Faciosapulohmeral - face, back, arms & shoulders only = pref, pelvic girdle muscles = std, Myotonia Congentia & Ocularpharyngeal = Pref, Mitochondria - progressive external Opthalmoplegia = pref, all others = decline.
organ/bone marrow transplant OK ages 50-85 OK ever recommended by dr Decline if ever rec'd/advised organ or tissue transplant Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs for a kidney, lung, heart or liver transplant. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever received or advised to receive Decline if past 2 yrs, advised/treated/diagnosed/meds for organ transplant. All kidney/renal, liver, lung transplants are decline. Decline if ever received or advised to receive (except corneal) also for ages 0-44 if received/advised for implanted defibrillator Decline if
required assistance for bathing, dressing, eating, toileting, getting in/out chair/bed, mgt of bowel or bladder problems OK ages 50-85 OK OK for Classic Select full benefit plan OK currently Decline if OK ages 40-80 for guaranteed issue, graded benefit plan OK OK ages 40-80 OK currently also assistance taking med Decline if currently Decline if N/A OK
Seizures OK ages 50-85 OK N/A OK N/A OK OK ages 40-80 for level benefit plan unless epilepsy has been diagnosed, treated or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK N/A OK severe, diagnosed within last year or hospitalized within past 2 yrs Decline if Ages 45-85: in Part B Questions. Ages 0-44: epilepsy under age 15 is decline, ages 15+ if < 1 yr since last seizure = decline, if 1-2 yrs since last seizure = Std, if > 2yrs since last seizure = Pref.
Sickle cell anemia OK ages 50-85 OK OK for Classic Security graded plan OK N/A OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever Decline if ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if
Spina bifida OK ages 50-85 OK OK for Classic Security graded plan OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK if minimal deformity OK N/A OK ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if
stroke, TIA, any procedure to improve circulation to brain OK ages 50-85 OK In Part B Questions In Part B Questions OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK In Part B Questions ever Decline if in part B for age 45-85. Ages 0-44: in past 2 yrs = decline, in past 2-4 yrs = Std, over 4 yrs = Pref
terminal OK ages 50-85 OK ever diagnosed Decline if ever diagnosed/treatment, also any end-stage disease Decline if OK ages 40-80 for level benefit plan OK OK ages 40-80 OK ever Decline if ever Decline if ever diagnosed, rec'd treatment or advised to rec treatmt (18 mo life expectancy on terminal) Decline if
testing for which results have not been rec'd OK ages 50-85 OK waiting for testing/results or advised to have surgery/diagnostic test not completed Decline if 12 mo which hasn't been started, completed or results unknown, also hospitalization Decline if OK ages 40-80 for level benefit plan OK OK ages 40-80 OK past 12 mo Decline if past year, scheduled/advised to have any diagnostic tests or surgery not yet performed or results not received Decline if past 2 yrs Decline if
used oxygen to assist in breathing OK ages 50-85 OK In Part B Questions Graded 1 yr used or advised to use excluding for sleep apnea Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 40-80 OK currently excluding sleep apnea Decline if currently using Decline if in part B for age 45-85. Ages 0-44: if past 2 yrs = decline. Sleep apnea - 0-6 months since diagnosis = decline, > 6 months with good response to CPAP machine = Std.

PART B QUESTIONS

aneurysm OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed in last 24 months. Otherwise OK for full benefit. Graded 2 yrs had/diagnosed or not removed, also brain tumor Mod/ R OP OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK N/A OK In Part A, ever had Decline if Ages 45-85: diagnosed, treated, treatmt in past 1 year = graded, 2 yrs = Std Graded or Std*
Atrial Fibrillation (afib) OK ages 50-85 OK OK for Classic Select full benefit plan OK call underwriting call underwriting OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK call underwriting call underwriting OK if diagnosed over 2 yrs & current age is 50 or older. Otherwise decline Ages 0-44: within 2 yrs = decline. 2-5 yrs = standard. Over 5 yrs = preferred. Ages 45-85: in past 2 years (including irregular heart rhythm) = Standard
Bipolar/Schizophrenia OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months (doesn't mention bipolar) Graded N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK 4 yrs also bipolar depression Graded In Part A, ever had Decline if N/A for ages 45-85. Ages 0-44: BIPOLAR - No symptoms or loss of work/school within last 6 months & controlled on either 1 or no meds = Pref. No inpatient care, no more than 2 episodes or more than 2 weeks loss of work/school in past 12 months, controlled on 1 or 2 meds = Std. Disabled due to condition & controlled w/meds for at least 2 yrs = graded. All others = decline. SCHIZOPHRENIA - Ages 0-44: under age 25 is a decline & poor or uncontrolled for less than 5 years is a decline. Age 25+ & working/in school & controlled with medication for at least 5 yrs = Std. Disabled from condition & controlled for at least 5 yrs = Graded.
Brain tumor OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit. Graded ever diagnosed/meds/advised Mod or Graded OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 40-80 OK 4 yrs also bipolar depression Graded N/A OK N/A OK
cancer (other than basal cell) OK ages 50-85 OK OK for Classic Security graded plan if diagnosed or treated in last 24 months. OK for Classic Select full benefit plan if diagnosed/treated/advised in past 25 mo to 5 yrs. OK for Classic Elite full benefit if over 5 yrs. Graded or Full 3 yrs diagnosed/treatmt including chemo or radiation Mod/ R OP OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK 4 yrs including Leukemia, Melanoma, any other internal Graded In Part A - If diagnosis or treatment in the past 5 years (excluding basal cell carcinoma), also if ever diagnosed/treated/advised for more than one occurrence or cancer that has spread. Decline if Ages 45-85: if diagnosed, treated, treatmt in past 4 years = decline or graded. Ages 0-44: within 2 yrs = decline, > 2 yrs see cancer chart in underwriting guide. Hodgkins: complete remission/single episode & 0-6 yrs since recovered/last treatment = decline, > 6 yrs since recovered/last treatment = graded. Non-Hodgkins Lymphoma: 0-10 yrs since recovered/last treatment = decline, > 10 yrs since recovered/last treatment = Pref
Chronic cough, unexplained weight loss, fatigue or unexplained gastrointestinal bleeding OK ages 50-85 OK Chronic asthma is OK for Classic Select full benefit plan OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK 12 months Graded N/A OK N/A ages 45-85. Ages 0-44: Crohn's < 21 yrs old = decline, all others within 2 yrs of diagnosis = decline, severe or symptomatic = decline, within 2-3 yrs since diagnosis = Std, over 3 yrs since diagnosis = Pref.
cirrhosis, hepatitis B or C or other liver disease OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit. Graded ever liver disease or condition Graded OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever for Hepatitis C only Graded in Part A - ever had Decline if ages 45-85: Liver -cirrhosis, hepatitis B or C or other liver disease past 1 yr = graded, 2 yrs = Std. Ages 0-44: cirrhosis within 2 yrs = decline, 2-10 yrs = Std, >10 yrs = Pref. Hep B chronic, active or current treatment = decline, fully recovered & no residuals = Pref. Hep C active or treatment within 2 yrs = decline, in remission for 5 yrs & no complications = graded, all others = decline.
congestive heart failure OK ages 50-85 OK Ok for Classic Security graded plan OK In Part A Questions Decline if OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK In Part A Questions Decline if in Part A, ever Decline if Ages 45-85: diagnosed, treated, treatmt in past 1 year = graded, 2 yrs = Std Graded or Std*
Convicted of a felony OK ages 50-85 OK OK for Classic Advantage graded plan if been on probation, parole, convicted of, pled guilty to any crime or to possession or distribution of drugs/illegal substance in last 36 mo. Otherwise OK for full benefit. OK currently in correctional facility is decline Decline if OK ages 40-80 for level benefit plan unless incarcerated. Incarceration is a decline OK OK ages 40-80 OK 2 yrs, including currently awaiting trial Graded in past 5 yrs or if currently on probation or parole Decline if ages 0-44 only, if currently on parole or probation, or in past 2 yrs have been incarcerated, convicted of felony, misdemeanor, 2+ DUI/DWI or 3+ moving violations = decline. Provide details on app if in past 5 yrs Decline if
Diabetes OK ages 50-85 OK OK for Classic Advantage graded plan if have peripheral Artery Disease (PAD) or Peripheral Vascular Disease (PVD), any complications or if diabetes is not under control or used insulin prior to age 50. After age 50 is OK unless there are complications. Graded past 2 yrs, only complications of diabetes such as diabetic coma, insulin shock, retinopathy, nephropathy & neuropathy = Modified OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan unless insulin dependent. OK OK ages 40-80 OK after age 50 is fine unless there are complications (retinopathy, nephropathy, neuropathy or peripheral vascular disease PVD or PAD). Complications at any age = graded Full or Graded In Part A - Under age 30 is decline, also decline if in past 2 yrs diagnosed/treated/meds for diabetic coma, diabetic shock, amputation, eye or kidney problems due to complications. Decline if ages 45-85: diagnosed before the age of 18 (except gestational) = Graded, if used insulin in past 2 yrs = Std, other (diet/pills) = Pref. Ages 0-44: no insulin - diagnosed under age 30 decline, diagnosed ages 30-44 is standard; insulin: diagnosed under age 30 is decline, diagnosed ages 30-44 is graded, poor or uncontrolled is decline. Peripheral Vascular Disease (PVD): operated/single surgery & 0-6 months since surgery = decline, > 6 months since surgery & mild/moderate = graded, severe = decline, unoperated & mild/moderate = Std.
drug or alcohol abuse OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit. Graded 2 yrs had/diagnosed/treatment or meds, also illegal drugs Mod/ R OP OK ages 40-80 for level benefit plan OK OK ages 40-80 OK 2 yrs, also convicted more than once of reckless driving or DUI & used unlawful drugs or prescription drugs other than prescribed by a Dr Graded in past 5 yrs any use/treatment Decline if ages 45-85: 1 yr diagnosed, treated or advised to rec treatmt (also used illegal drugs) = graded, 2 yr = Std. Ages 0-44: ALCOHOL: past 2 yrs = decline, recovery 2-5 yrs (no drinks) = graded, recovery 5-8 yrs (no drinks) = Pref. DRUGS: last use within 3 yrs = decline, last use 3-6 yrs = Graded, last use > 6 yrs = Pref.
DUI/moving violations OK ages 50-85 OK Ages 25-35 - OK for Classic Select full benefit if no DUI within 5 yrs, 3 or less violations within 3 yrs & license not revoked within 3 yrs. OK for Classic Elite full benefit if no DUI within 5 yrs, 2 or less DUI within 10 yrs, 2 or less violations within 5 yrs & license not revoked within 5 yrs. Ages 36-85 - OK if no DUI within 3 yrs & 3 or less violations within 3 yrs. call underwriting OK ages 40-80 for level benefit plan. OK OK ages 40-80 OK call underwriting call underwriting Ages 0-44: decline if 2 or more DUI/DWI in past 2 yrs or if 3 or more moving violations in past 2 yrs
emphysema, COPD, black lung, any chronic respiratory disorder (exclu asthma & sleep apnea) OK ages 50-85 OK OK for Classic Advantage graded plan if ever diagnosed/treated/advised. Chronic asthma is OK for Classic Select full benefit. Graded ever diagnosed/meds/advised, only COPD, chronic bronchitis or emphysema Graded OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK ever, also chronic lung disease, bronchitic & sarcoidosis Graded Decline if on oxygen or oral steroids or tobacco use in past yr. Otherwise, call underwriting. Asthma - if hospitalized for 10+ days in past year = decline. Decline or call underwriting Ages 45-85: ever, including chronic asthma = Std (not graded unless in combination w/other cond). Asthma for ages 0-44: under age 6 - mild/seasonal is preferred all others is decline; ages 6-44 & nonsmoker mild/seasonal to moderate is preferred, all others are graded; ages 6-44 & smoker mild/seasonal is preferred, moderate is standard, all others are graded. Emphysema/COPD for ages 0-44: severe is graded, moderate is standard, mild & nontobacco is preferred.
heart attack, angina, had or been advised to have heart surgery including bypass & pacemaker OK ages 50-85 OK OK for Classic Security graded benefit if diagnosed w/heart attack in last 6 months or ever received a cardiac defibrillator implant (except pacemaker). OK for Classic Advantage graded plan if in last 24 mo diagnosed w/enlarged heart, angina, peripheral vascular disease, pacemaker implant, stent, angioplasty or bypass surgery or diagnosed with heart attack in last 7-24 months. Otherwise OK for full benefit. Graded 2 yrs had/diagnosed, also heart or circulatory surgery & cardiomyopathy Mod/ R OP OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK 2 yrs for other including coronary artery disease, cardiomyopathy, angioplasty, valvular heart diseae w/surgical repair or replacement & irregular heart rythum Graded In Part A, Ever, also heart disease, congestive heart failure, myocardial infraction, pulmonary hypertension, stent placement, transplant or valve replacement, coronary artery disease, cardiomyopathy, bundle branch block (LBBB), pacemaker, pulmonary fibrosis, pulmonary hypertension = decline. Atrial Fibrillation is OK if diagnosed over 2 yrs, no current treatment & current age 50+. Heart murmur is possible accept, call underwriting. Decline if for ages 45-85 diagnosed, treated, treatmt (also stent & pacemaker) in past 1 year = graded, 2 yrs = Std. For ages 0-44, in past 2 years = decline Graded, Std or Decline
Hospitalized for high BP OK ages 50-85 OK N/A OK N/A OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK N/A OK Pulmonary Hypertension is decline Decline or OK ages 0-44, severe/uncontrolled = decline, moderate = Std, mild w/normal readings with meds = Pref.
hospitalized or institutionalized for mental or nervous disorder OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit. Graded N/A OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan unless hospitalized for 5 or more days in the past 2 yrs (does not have to be consecutive days) OK OK ages 40-80 OK 2 yrs Graded in Part A, treated with 3+ meds or hospitalizations in past 2 yrs or suicide attempts = decline. Decline or OK ages 45-85 is OK. Ages 0-44: severe anxiety is graded or decline, mild/moderate is preferred.
insulin shock, diabetic coma, Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve, circulatory), disorder OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months Graded 2 yrs diagnosed/treatment Mod/ R OP OK ages 40-80 for guaranteed issue, graded benefit plan if on insulin. Non-insulin is OK ages 40-80 for level benefit plan. OK OK ages 40-80 OK ever for retinopathy, nephropathy & neuropathy only with diabetes. Ever insulin shock or diabetic coma is decline Graded In Part A - Under age 30 is decline, also decline if in past 2 yrs diagnosed/treated/meds for diabetic coma, diabetic shock, amputation, eye or kidney problems due to complications. Decline if Ages 0-44 ever diabetic coma = decline. OK ages 45-85 Decline if
kidney dialysis, kidney disease, kidney failure OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months or kidney transplant (no dialysis in past 12 mo). Otherwise OK for full benefit. Graded ever for kidney disease or condition Graded OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK 4 yrs for kidney disease Graded in Part A - ever had Decline if ages 45-85: Kidney dialysis, kidney failure due to disease or disorder 1 yr = graded, 4 yrs = Std. Ages 0-44: kidney dialysis & kidney failure is decline.
Multiple Sclerosis OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit. Graded ever diagnosed/meds/advised for Parkinsons only (Brain tumor is Mod/ROP) Graded OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK 4 yrs also bipolar depression Graded In Part A, ever had Decline if Ages 45-85 is ever diagnosed, treated or advised for Parkinsons & MS = Std. Ages 0-44 within 2 yrs = decline, 2-5 yrs = graded, 5-10 yrs = Std, > 10 yrs = Pref.
Muscular distrophy OK ages 50-85 OK OK for Classic Security graded plan Graded N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK N/A OK In Part A, ever had Decline if Ages 45-85: 1 yr diagnosed, treated or advised to rec treatment = decline or graded. Ages 0-44: Duchenne, Distrophia Mytonica = decline, Becker & Limb Girdle = graded or decline, Faciosapulohmeral - face, back, arms & shoulders only = pref, pelvic girdle muscles = std, Myotonia Congentia & Ocularpharyngeal = Pref, Mitochondria - progressive external Opthalmoplegia = pref, all others = decline.
Parkinsons OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed/treated in last 36 months Graded Graded if can perform all ADLs, otherwise decline OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK past 4 yrs Graded In Part A, ever had Decline if Ages 45-85 is ever diagnosed, treated or advised for Parkinsons = Std. Ages 0-44 in past 2 yrs, all severe & all under age 30 = decline, age 30+ & mild/moderate = Std. Decline or Std
Post Traumatic Stress Disorder (PTSD) OK ages 50-85 OK hospital or institution in last 36 months for mental or nervous disorder = Classic Advantage. Doesn't specifically mention PTSD. N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK N/A OK Severe is decline, mild/moderate is OK N/A ages 45-85. Ages 0-44: severe is graded or decline, moderate is standard, mild is preferred.
Quadriplediga, paraplegia OK ages 50-85 OK if confined to a wheelchair, not eligible. Otherwise OK ever, amputation due to complications of diabetes Decline if OK ages 40-80 for level benefit plan OK OK ages 40-80 OK in part 1, ever Decline if in Part A - ever had Decline if ages 45-85 = OK. Ages 0-44, amputation due to disease or disorder = decline
Rheomatoid Arthritus OK ages 50-85 OK N/A OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK N/A OK If treated with Enbrel, Remicade, Humira is a decline. Otherwise OK. N/A ages 45-85. Ages 0-44: severe is graded, moderate is standard, mild is preferred.
Sarcoidosis OK ages 50-85 OK last 36 months = Classic Advantage N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK Confined to lungs or skin & in remission 6 months is OK. All others are decline. moderate/severe is decline, mild (stage 0 to stage 1, asymptomatic) is OK N/A ages 45-85. Ages 0-44: 6 months or less since diagnosis = decline, > 6 mo & mild = Pref, > 6 mo & moderate = Std, > 6 mo & severe = Graded
Scleroderma OK ages 50-85 OK N/A OK N/A OK OK ages 40-80 for level benefit plan OK OK ages 40-80 OK 4 yrs Graded N/A OK N/A OK
Seizures OK ages 50-85 OK N/A OK N/A OK OK ages 40-80 for level benefit plan unless epilepsy has been diagnosed, treated or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK N/A OK severe, diagnosed within last year or hospitalized within past 2 yrs Decline if ages 45-85: 1 yr had more than 12 = graded, 2 yr = standard or graded. Ages 0-44: for epilepsy - under age 15 is decline, age 15-44 if time since last seizure is < 1yr decline, 1-2 yrs is standard, >2 yrs is preferred.
stroke, TIA, any procedure to improve circulation to brain OK ages 50-85 OK OK for Classic Advantage graded plan if diagnosed in last 24 months. Otherwise OK for full benefit. Graded 2 yrs had/diagnosed, also brain tumor Mod/ R OP OK ages 40-80 for guaranteed issue, graded benefit plan. OK ages 40-80 for level benefit plan UNLESS diagnosed, treatment or medical care in past 2 yrs or if medication has been prescribed or increased in dosage in past 2 yrs. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 40-80 OK 2 yrs stroke & TIA only Graded In Part A, ever had Decline if ages 45-85: diagnosed, treated, treatmt in past 1 year also more than 12 seizures = graded, 2 yrs = Std. Ages 0-44: in past 2 yrs = decline, in past 2-4 yrs = Std, over 4 yrs = Pref
Systemic Lupus (SLE) OK ages 50-85 OK OK for Classic Advantage graded plan Graded ever diagnosed/meds/advised Graded OK ages 40-80 for level benefit plan OK OK ages 40-80 OK 4 yrs Graded in Part A - ever had Decline if N/A for ages 45-85. Ages 0-44: under age 20 is decline, ages 20+ within 2 yrs of diagnosis is decline, 2-10 yrs since diagnosis is graded, >10 yrs since diagnosis is standard, severe is decline.
used oxygen to assist in breathing OK ages 50-85 OK OK for Classic Advantage graded plan (excluding sleep apnea). Graded OK after 12 mo OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 40-80 OK currently Decline if currently Decline if Ages 45-85: in past 1 yr including sleep apnea = graded. Ages 0-44: if past 2 yrs = decline. Sleep apnea - 0-6 months since diagnosis = decline, > 6 months with good response to CPAP machine = Std.