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

CFG Classic Choice ResultsFOR PlanRight ResultsMOO Living Promise ResultsTRANSAM Solution ResultsPHX Remembrance ResultsKemper Guar Issue WL ResultsGreat Western WL ResultsAIG Guar Issue WL Results
Time PeriodTime PeriodTime PeriodTime PeriodTime PeriodTime PeriodTime PeriodTime Period

PART A QUESTIONS

AIDS or ARC 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 ever had or been treated for, also HIV Decline if ever tested positive or diagnosed (also HIV) Decline if ever, also HIV Decline if OK ages 40-80 OK OK ages 40-80 for guaranteed issue, graded benefit plan. Also HIV. OK OK ages 50-85 OK
Alzheimers/dementia/Lou Gehrigs (ALS) OK for Classic Security graded plan OK ever diagnosed, received or advised treatment/med including Aricept, Cognex, Donepezil, Exelon, Razadyne or Namenda Decline if ever had/treated for/advised treatment, Huntington's disease & Myelodysplastic syndrome (MDS) also Decline if ever diagnosed or rec'd treatment/meds for (also organic brain disease, mental incapacity, memory loss) Decline if ever Decline if OK ages 40-80 OK 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 50-85 OK
amputation ever due to disease Decline if due to complications of diabetes Decline if ever due to diabetic complications, quadriplegia & paraplegia Decline if ever advised to have due to disease or disorder (also diabetic coma) Decline if due to disease within 1 yr or otherwise is decline. Due to injury is OK. Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
aneurysm In Part B Questions In Part B Questions N/A OK 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. ever Decline if OK ages 40-80 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 50-85 OK
any cancer (other than basal cell skin) 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 ever, metastatic cancer or recurrent cancer of the same type & past 2 yrs any cancer (also excluding squamous cell skin cancer) 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 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 OK ages 40-80 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 50-85 OK
Cerebral palsy OK for Classic Security graded plan OK OK if all health questions on the app are answered No & depending on meds mild to moderate = OK, severe = decline ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if ever Decline if OK ages 40-80 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 50-85 OK
cirrhosis or other liver disease In Part B Questions In Part B Questions ever, cirrhosis only 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. ever Decline if OK ages 40-80 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 50-85 OK
confined to wheelchair currently due to disease, illness or quadriplegia Decline if currently due to chronic illness/disease or req assistance w/ADLs Decline if currently or electric scooter other than for fractures, bone or joint surgery, including replacement 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 in past 12 mo, required use of a wheelchair due to chronic illness or disease Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
congestive heart failure OK for Classic Security graded plan OK ever diagnosed, received or advised treatment/med Decline if ever Decline if in part B for age 45-85. Ages 0-44 = decline ever Decline if OK ages 40-80 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 50-85 OK
Cystic fibrosis OK for Classic Security graded plan OK N/A OK ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if ever Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
diabetes In part B Questions In part B Questions ever - insulin shock or diabetic coma only 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. 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 OK ages 40-80 OK 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 50-85 OK
Down's syndrome OK for Classic Security graded plan OK N/A OK ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if ever Decline if OK ages 40-80 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 50-85 OK
drug or alcohol abuse In Part B Questions In Part B Questions In Part B Questions 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. in past 5 yrs any use/treatment Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
heart attack, angina, had or been advised to have heart surgery including bypass & pacemaker within 6 months = Classic Security graded plan, within 7-24 months = Classic Advantage graded plan OK In Part B Questions OK past 12 mo - heart disease or heart surgery only 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 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 OK ages 40-80 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 50-85 OK
heart/lung/liver/bone marrow transplant ever had/recommended Decline if ever rec'd/advised organ or tissue transplant Decline if ever received or advised to receive Decline if ever received or advised to receive (except corneal) also for ages 0-44 if received/advised for implanted defibrillator Decline if past 2 yrs, advised/treated/diagnosed/meds for organ transplant. All kidney/renal, liver, lung transplants are decline. Decline if OK ages 40-80 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 for a kidney, lung, heart or liver transplant. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 50-85 OK
height/weight Yes, see chart Yes, see chart Yes, see chart ages 0-44 only, see chart Yes, see chart No requirement OK No requirement OK No requirement OK
Hepatitis B or C or other liver disease In Part B Questions In Part B Questions ever, cirrhosis only 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. ever Decline if OK ages 40-80 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 50-85 OK
hospitalized, bedridden, in NH or LTC facility, rec'g hospice or home healthcare 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 currently also advised to have care in NH, skilled nursing facility, home health, hospice Decline if currently, also assisted living facility Decline if currently Decline if OK ages 40-80 OK 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 50-85 OK
inpatient surgery 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 past 12 mo, also hospitalizaiton & diagnostic testing Decline if Ages 45-85 if in next 2 yrs, planning to have inpatient surgery. Decline if past year, scheduled/advised to have any diagnostic tests or surgery not yet performed or results not received Decline if OK ages 40-80 OK 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 50-85 OK
kidney dialysis decline if received in last 12 months. Kidney disease & failure in the last 36 months = Classic Advantage 12 mo had Decline if ever, also end state renal disease Decline if Ages 45-85: In part B Questions. Ages 0-44 = decline, also kidney failure. ever Decline if OK ages 40-80 OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 50-85 OK
Mental incapacity mental retardation is OK for Classic Security graded plan OK N/A OK ever Decline if ever Decline if OK if highly functioning & living independently. Otherwise, decline. OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Mental retardation OK for Classic Security graded plan OK N/A OK N/A OK 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. highly functioning & living independently is OK. Otherwise, decline. OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Muscular dystrophy OK for Classic Security graded plan OK N/A OK call underwriting, call underwriting 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. ever Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
organ/bone marrow transplant ever recommended by dr Decline if ever rec'd/advised organ or tissue transplant Decline if ever received or advised to receive Decline if ever received or advised to receive (except corneal) also for ages 0-44 if received/advised for implanted defibrillator Decline if past 2 yrs, advised/treated/diagnosed/meds for organ transplant. All kidney/renal, liver, lung transplants are decline. Decline if OK ages 40-80 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 for a kidney, lung, heart or liver transplant. If unsure of changes in meds, write the guaranteed issue plan. OK OK ages 50-85 OK
required assistance for bathing, dressing, eating, toileting, getting in/out chair/bed, mgt of bowel or bladder problems OK for Classic Select full benefit plan OK currently Decline if currently also assistance taking med Decline if N/A OK currently Decline if OK ages 40-80 OK OK ages 40-80 for guaranteed issue, graded benefit plan OK OK ages 50-85 OK
Seizures N/A OK N/A OK N/A OK 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. severe, diagnosed within last year or hospitalized within past 2 yrs Decline if OK ages 40-80 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 50-85 OK
Sickle cell anemia OK for Classic Security graded plan OK N/A OK ever Decline if ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if ever Decline if OK ages 40-80 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 50-85 OK
Spina bifida OK for Classic Security graded plan OK N/A OK if minimal deformity OK ever diagnosed or rec'd treatment/meds for (also Huntington's) Decline if N/A OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
stroke, TIA, any procedure to improve circulation to brain In Part B Questions In Part B Questions In Part B Questions 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 ever Decline if OK ages 40-80 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 50-85 OK
terminal ever diagnosed Decline if ever diagnosed/treatment, also any end-stage disease Decline if ever Decline if ever diagnosed, rec'd treatment or advised to rec treatmt (18 mo life expectancy on terminal) Decline if ever Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
testing for which results have not been rec'd 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 past 12 mo Decline if past 2 yrs Decline if past year, scheduled/advised to have any diagnostic tests or surgery not yet performed or results not received Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
used oxygen to assist in breathing In Part B Questions Graded 1 yr used or advised to use excluding for sleep apnea Decline if currently excluding sleep apnea 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. currently using Decline if OK ages 40-80 OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 50-85 OK

PART B QUESTIONS

aneurysm 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 N/A OK Ages 45-85: diagnosed, treated, treatmt in past 1 year = graded, 2 yrs = Std Graded or Std* In Part A, ever had Decline if OK ages 40-80 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 50-85 OK
Atrial Fibrillation (afib) Depends on medications, check medication list. If over 2 years, OK for level death benefit. Otherwise, graded or decline. call underwriting call underwriting 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 OK if diagnosed over 2 yrs & current age is 50 or older. Otherwise decline OK ages 40-80 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 50-85 OK
Bipolar N/A OK N/A OK 4 yrs for bipolar depression Graded 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. In Part A, ever had Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Brain tumor 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 4 yrs also bipolar depression Graded N/A OK N/A OK OK ages 40-80 OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 50-85 OK
cancer (other than basal cell) 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 4 yrs including Leukemia, Melanoma, any other internal Graded 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 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 OK ages 40-80 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 50-85 OK
Chronic cough Chronic asthma is OK for Classic Select full benefit plan OK N/A OK 12 months Graded N/A OK N/A OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
cirrhosis or other liver disease 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 ever for Hepatitis C only Graded 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. in Part A - ever had Decline if OK ages 40-80 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 50-85 OK
congestive heart failure Ok for Classic Security graded plan OK In Part A Questions Decline if In Part A Questions Decline if Ages 45-85: diagnosed, treated, treatmt in past 1 year = graded, 2 yrs = Std Graded or Std* in Part A, ever Decline if OK ages 40-80 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 50-85 OK
Convicted of a felony 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 2 yrs, including currently awaiting trial Graded 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 in past 5 yrs or if currently on probation or parole Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan unless incarcerated. Incarceration is a decline OK OK ages 50-85 OK
Diabetes 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 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 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. 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 OK ages 40-80 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 50-85 OK
drug or alcohol abuse 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 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 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. in past 5 yrs any use/treatment Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
DUI/moving violations 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 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 call underwriting OK ages 40-80 OK OK ages 40-80 for level benefit plan. OK OK ages 50-85 OK
emphysema, COPD, black lung, any chronic respiratory disorder (exclu asthma & sleep apnea) 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 ever, also chronic lung disease, bronchitic & sarcoidosis Graded 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. 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 OK ages 40-80 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 50-85 OK
Fatigue N/A OK N/A OK 12 months Graded N/A OK N/A OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
heart attack, angina, had or been advised to have heart surgery including bypass & pacemaker 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 2 yrs for other including coronary artery disease, cardiomyopathy, angioplasty, valvular heart diseae w/surgical repair or replacement & irregular heart rythum Graded 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 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 OK ages 40-80 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 50-85 OK
Hepatitis B or C or other liver disease 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 ever for Hepatitis C only Graded 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. in Part A - ever had Decline if OK ages 40-80 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 50-85 OK
Hospitalized for high BP N/A OK N/A OK N/A OK ages 0-44, severe/uncontrolled = decline, moderate = Std, mild w/normal readings with meds = Pref. Pulmonary Hypertension is decline Decline or OK OK ages 40-80 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 50-85 OK
hospitalized or institutionalized for mental or nervous disorder OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit. Graded N/A OK 2 yrs Graded ages 45-85 is OK. Ages 0-44: severe anxiety is graded or decline, mild/moderate is preferred. in Part A, treated with 3+ meds or hospitalizations in past 2 yrs or suicide attempts = decline. Decline or OK OK ages 40-80 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 50-85 OK
insulin shock, diabetic coma, Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve, circulatory), disorder OK for Classic Advantage graded plan if diagnosed/treated in last 36 months Graded 2 yrs diagnosed/treatment Mod/ R OP ever for retinopathy, nephropathy & neuropathy only with diabetes. Ever insulin shock or diabetic coma is decline Graded Ages 0-44 ever diabetic coma = decline. OK ages 45-85 Decline if 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 OK ages 40-80 OK 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 50-85 OK
kidney dialysis, kidney disease, kidney failure 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 4 yrs for kidney disease Graded 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. in Part A - ever had Decline if OK ages 40-80 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 50-85 OK
Multiple Sclerosis EVER diagnosed Decline if ever diagnosed/meds/advised for Parkinsons only (Brain tumor is Mod/ROP) Graded 4 yrs also bipolar depression Graded 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. In Part A, ever had Decline if OK ages 40-80 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 50-85 OK
Muscular distrophy OK for Classic Security graded plan Graded N/A OK N/A OK 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. In Part A, ever had Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Parkinsons OK for Classic Advantage graded plan if diagnosed/treated in last 36 months Graded Graded if can perform all ADLs, otherwise decline past 4 yrs Graded 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 In Part A, ever had Decline if OK ages 40-80 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 50-85 OK
Parole/probation 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 past 2 yrs, including currently awaiting trial Graded 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 in past 5 yrs or if currently on probation or parole Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan unless incarcerated. Incarceration is a decline OK OK ages 50-85 OK
Post Traumatic Stress Disorder (PTSD) hospital or institution in last 36 months for mental or nervous disorder = Classic Advantage. Doesn't specifically mention PTSD. N/A OK N/A OK N/A ages 45-85. Ages 0-44: severe is graded or decline, moderate is standard, mild is preferred. Severe is decline, mild/moderate is OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Quadriplediga, paraplegia if confined to a wheelchair, not eligible. Otherwise OK ever, amputation due to complications of diabetes Decline if in part 1, ever Decline if ages 45-85 = OK. Ages 0-44, amputation due to disease or disorder = decline in Part A - ever had Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Rheomatoid Arthritus N/A OK N/A OK N/A OK N/A ages 45-85. Ages 0-44: severe is graded, moderate is standard, mild is preferred. If treated with Enbrel, Remicade, Humira is a decline. Otherwise OK. OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Sarcoidosis last 36 months = Classic Advantage N/A OK ever decline if Ages 0-44: 6 months or less since diagnosis = decline, > 6 mo & mild = Pref, > 6 mo & moderate = Std, > 6 mo & severe = Graded. For Ages 45-85: will be standard rate. moderate/severe is decline, mild (stage 0 to stage 1, asymptomatic) is OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Schizophrenia OK for Classic Advantage graded plan if diagnosed/treated in last 36 months Graded N/A OK 4 yrs also bipolar depression Graded 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. In Part A, ever had Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Scleroderma N/A OK N/A OK 4 yrs Graded N/A OK N/A OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Seizures N/A OK N/A OK N/A OK 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. severe, diagnosed within last year or hospitalized within past 2 yrs Decline if OK ages 40-80 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 50-85 OK
stroke, TIA, any procedure to improve circulation to brain 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 2 yrs stroke & TIA only Graded 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 In Part A, ever had Decline if OK ages 40-80 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 50-85 OK
Systemic Lupus (SLE) OK for Classic Advantage graded plan Graded ever diagnosed/meds/advised Graded 4 yrs Graded 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. in Part A - ever had Decline if OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Unexplained gastrointestinal bleeding N/A OK N/A OK 12 months Graded 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. N/A OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
Unexplained weight loss N/A OK N/A OK 12 months Graded N/A OK N/A OK OK ages 40-80 OK OK ages 40-80 for level benefit plan OK OK ages 50-85 OK
used oxygen to assist in breathing OK for Classic Advantage graded plan (excluding sleep apnea). Graded OK after 12 mo 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. currently Decline if OK ages 40-80 OK OK ages 40-80 for guaranteed issue, graded benefit plan. OK OK ages 50-85 OK