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

CFG SafeShield ResultsForesters Strong Foundation ResultsMoO Term Life Express ResultsNassau Re Safe Harbor Express Results
Time PeriodTime PeriodTime PeriodTime Period
advised to have surgery, diagnostic testing other than routine, treatment or other procedure which has not been done postpone until results are received if in past 2 yrs, call underwriting call underwriting 12 mo, also in past 5 yrs consulted with Dr or hospitalized or treated for any other health condition other than routine physical checkups, eye, employment or FAA exams = contact an underwriter Decline if past 12 mo Decline if
alcohol treatment or advised to limit or discontinue use in past 5 yrs or relapse Decline if in past 5 yrs. Also alcohol related pancreatitis. Decline if in past 10 yrs Decline if less than 5 yrs from end of use/treatment. In combination with depression/anxiety problems is a decline. Decline if
ALS (Lou Gehrig's disease) or any other disease of the central nervous system EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Alzheimer's, dementia EVER Decline if EVER Decline if EVER also mental incapacity Decline if EVER Decline if
Amputation Due to diabetes is a decline. Permanent use of walker, wheelchair, scooter is decline. Otherwise, OK caused by disease. Caused by injury is OK. Decline if caused by disease Decline if caused by disease Decline if
Aneurysm in past 10 yrs Decline if in past 10 years if no treatments or medications Decline if EVER, cerebral, aortic or thoracic Decline if EVER Decline if
applied for/received disability, hospital or medical benefits from any ins co, gov, employer or other source N/A OK for disibility only, call underwriting call underwriting 12 mo, except maternity, fractures, spinal or back disorders Decline if past 3 yrs, unable to work at regular job for more than 30 consecutive days due to disability or currently unable to work call underwriting
Assistance with ADLs (bathing, dressing, eating, toileting, getting in & out of chair/bed, management of bowel/bladder problems call underwriting call underwriting EVER Decline if 12 mo Decline if EVER Decline if
Autism Possibly ok, check medication list Call underwriting Possibly ok, check medication list Autism highly functioning & living independently is OK. Nervous disorders if taking 3+ meds or hospitalization in past 2 yrs is decline.
Bipolar depression EVER Decline if EVER. Also severe, major depression is a decline. Decline if taking Lithium, Seroquel, Abilify or Respidol. Decline if EVER also mental incapacity Decline if Bipolar - if taking 3+ medications or hospitalization in past 2 yrs is decline. Decline if
Cancer, leukemia, melanoma or any other internal cancer Decline if within five years. Decline if within ten years for leukemia, lymphoma, liver cancer, lung cancer, or pancreatic cancer. If cancer was any type other than those listed, or if between five and ten years, consideration is possible with medical records. Basal and squamous cell skin cancer can be considered for coverage. Decline if treatment in past 10 yrs. Cancer with treatment completed over 10 yrs with no recurrence or recommended treatment is OK. All other cancer including Hodgkins & Non Hodgkins Lymphoma is declined (except basal cell skin) Decline if EVER, except basal cell or squamous cell skin cancer Decline if If diagnosis & end of treatment is over 5 yrs ago it's OK. Otherwise, decline. Leukemia, Non-Hodgkins Lymphoma & multiple myeloma is always decline. Any history of cancer with more than 1 occurrence in the same location or metastsis (spreading) is a decline.
Carotid artery surgery Ever Decline if Artery blockage is a decline in past 10 years Decline if N/A OK Carotid disease is possibly accept, call underwriting. Call underwriting
Cerebral palsy EVER Decline if EVER Decline if Severe is decline. Mild/moderate is OK Decline or OK EVER Decline if
check height/weight chart YES YES YES YES
Chronic kidney disease, end-stage renal disease with dialysis EVER Decline if EVER Decline if EVER Decline if EVER also renal transplant/failure & chronic glomerulonephritis. Decline if
Chronic lung disease, COPD, chronic bronchitis, emphysema COPD, chronic bronchitis & emphysema is a decline. For asthma, Decline if moderate and smoker. Decline if severe. Moderate Asthma = Asthma with daily symptoms and exacerbations two or more times per week, some restrictions of activities, daily use of bronchodilator, up to two weeks of missed time from work in the past 12 months. Severe Asthma = Asthma with daily symptoms, could have a hospital admission within the past year, symptoms frequently not relieved with treatment, could have history of life-threatening attack, greater than two weeks of work missed due to asthma in the past 12 months. Sarcoidosis - decline if active disease and/or residual pulmonary impairment. Decline if COPD in combination with Smoker is a decline. Mild COPD for non-smokers if no prescription steroids, major COPD meds or oxygen is OK. Mild means little to no shortness of breath with exertion (able to climb at least 1 flight of stairs with no shortness of breath. These meds are a decline: Anoro Ellipta, Bevespi Aerosphere, Daliresp, Stiolto Respimat, Trelegy Ellipta, Utibron Neohaler. If more than 1 COPD med is listed it's a decline. Asthma if severe or hospitalized is a decline. Acute bronchitis is OK. Sarcoidosis is pulmonary only. Sleep apnea - if in past 3 yrs diagnosed/treated/meds/tested positive or received medical advice, call underwriting. Decline if EVER (except mild asthma) also COPD Decline if EVER for pulmonary fibrosis/hypertension & bronchiectasis. Pulmonary embolism two or fewer episodes fully recovered is OK. Bronchitis OK. Mild sarcoidosis (stage 0-1, asymptomatic) is OK. COPD & emphysema is decline if on oxygen treatment or oral steroids or tobacco use in past 12 mo, otherwise possibly OK - call underwriting. Asthma is decline if hospitalized 10+ days in past yr. Decline if
consulted Dr for chronic cough chronic bronchitis - chronic productive cough for more than three months in each of the last two successive years. Decline if for chronic cough, call underwriting. If associated with COPD = decline. call underwriting N/A OK N/A OK
Convicted of DUI, drugs or alcohol, reckless driving, suspended/revoked license DUI in past 3 yrs or multiple DUIs in past 10 yrs, aslo in past 3 years had 3 or more moving violations or had drivers license suspended or revoked Decline if Single DUI within 12 mo or 2 DUI within 5 yrs is a decline. Also, suspended or revoked drivers license in past 5 yrs. Decline if past 5 years, also 4 or more moving violations Decline if past 2 years, also license suspended or revoked, pled guilty or convicted of more than 2 moving violations Decline if
convicted or incarcerated for felony in past 3 yrs for probation, parole, arrest, convicted, pled guilty to any crime or possession or distribution of drugs/illegal substances Decline if if jail time has been served, will consider 5 yrs after parole. For criminal activity with no jail time, will consider 1 yr after probation or parole. in past 10 years, convicted of or currently awaiting trial for a felony. If currently on parole/probation, call underwriting. Decline if currently incarcerated, on parole or probation & in past 5 years convicted or pled guilty of a felony Decline if
Crohn's disease Decline if moderate or severe, meaning less than one year since last attack or flare-up, symptoms include fever, anemia, severe colic, dehydration, weight loss and/or hospitalization, surgery being contemplated or surgery less than six months ago. Moderate to severe Crohn’s could also include recurrence of symptoms after surgery. Decline if OK if >5 yrs in remission Ok as long as they're not on disability Hospitalization or complications within the past yr is decline. Mild/moderate is OK Decline if
Currently confined to hospital or medical facility currently, also bedridden & nursing home Decline if If in past 5 years call underwriting, otherwise OK OK or call underwriting last 12 months Decline if currently, also assisted living, home health care, hospice, nursing home Decline if
Cystic fibrosis Ever for any degenerative muscle & nerve disease/disorder Decline if EVER Decline if EVER Decline if EVER Decline if
Diabetes Insulin (type I) - all under age 50, also any complications: circulation, eye, kidney, insulin shock, coma, leg ulcers, amputation, poor control, smokers, combo of diabetes with coronary artery disease or ratable build. Type II - all under age 30, with tobacco use, ages 50-65 with use of tobacco & had diabetes > 15 yrs. Check diabetes height/weight chart. Decline if Type 1 (Insulin) with good control, non smoker or < 1 pack/day & height/weight OK: Current age 40-59 & duration since diagnosis < 5 years; Current age 60+ & duration since diagnosis < 25 years. Type 2 (oral medication) with good control, non-smoker or <1 pack/day & height/weight OK: Current age 20-29 & duration since diagnosis < 5 yrs; Current age 30+ any duration since diagnosis. Decline if Under age 50 is automatic decline. Above age 50 with table 2 or higher build, tobacco or peripheral vascular disease (PVD) is decline. All others should contact underwriting. Decline if (or contact underwriting) Under age 30 is decline. Decline if in past 2 yrs diagnosed/treated/meds for insulin shock, coma, amputation, eye or kidney problems due to complications from diabetes. Gestational diabetes is OK if fully recovered, no treatment. In combination with tobacco use, coronary artery disease, cardiovascular disease & kidney disease is a decline. All others call underwriting.
Diseases of brain, peripheral arterie EVER Decline if Ever for Alzheimer's, dementia Decline if Ever for bipolar, depression, schizophrenia, Alzheimer's, dementia, mental incapacity Decline if Peripheral vascular disease with tobacco use, surgically corrected, more than 1 limb Decline if
Downs Syndrome EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Epilepsy, seizures with seizures within the past year Decline if in past 2 yrs is decline, after 2 yrs if controlled on meds, no seizures & no complications is OK Decline if Decline only if severe and frequent grand mal seizures. Otherwise, OK. EVER for severe, if diagnosed within last yr or hospitalized within past 2 yrs. Decline if
Fibromyalgia OK OK No depression, working full time is OK OK OK OK OK
Gastrointestinal bleeding N/A OK N/A OK N/A OK past 5 yrs for gastrointestinal disease only call underwriting
Heart attack, coronary artery disease, bypass surgery, angioplasty, stent, pacemaker, chest pain etc in past 10 yrs diagnosis or required follow up, also aneurysm, angina, arrhythmia, cardiomyopathy, congenital, congestive heart failure, valve repl, valve disorder, pacemaker or defibrillator. Decline if ever received a cardiac defibrillator implant. Heart disease diagnosed or treated more than 10 years ago may be considered, but medical records may be required to help in the determination of acceptable risk. Decline if past 10 years, also angina, aortic & mitral insufficiency & stenosis, arrhythmia, blockage, pacemaker, congestive heart failure, peripheral vascular disease, murmur (murmur's that are "innocent" with no symptoms & no treatment are OK.) Decline if EVER, also valvular heart disease with repair or replacement, cardiomyopathy, congenital heart disease/failure, abnormal heart rhythm, pacemaker Decline if EVER, also angina pectoris, aortic aneurysm, murmurs/insufficiency, pacemaker, cardiomyopathy, chest pain, congestive heart failure, myocardial infarction, bundle branch block (LBBB), defibrillator, pulmonary hypertension/fibrosis, valve replacement. Atrial fibrillation if diagnosed over 2 yrs, without current treatment & current age 50+ is OK, otherwise is decline. Coronary artery disease & cardiovascular disease in combination with diabetes is a decline. Decline if
Hepatitus B or C EVER Decline if EVER Decline if EVER Decline if EVER Decline if
HIV, AIDS EVER, also ARC Decline if EVER Decline if EVER Decline if EVER Decline if
hospitalized for high Blood Pressue call underwriting if hospitalized in past 5 years call underwriting call underwriting call underwriting past 10 years Decline if call underwriting, in combination with chronic kidney disease is a decline call underwriting
hospitalized for mental/nervous disorder ever for any disease of brain. Psychiatric disorders in past 10 yrs. Decline if If in past 5 years call underwriting, otherwise OK call underwriting or OK past 10 years Decline if taking 3+ medications or hospitalized in past 2 years. Severe PTSD is decline. Decline if
Huntington's or any other disease of the central nervous system EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Immune system or connective tissue disease/disorder EVER Decline if Marfan's syndrome & spina bifida is a decline. N/A OK usually a decline call underwriting
Lap band surgery, gastric bypass Postpone six months from time of surgery, then call underwriting (it's an automatic 2 table rateup + rateup for height/weight). Gastric bypass is OK after 1 yr with weight stabilized Gastric bypass after 1 yr is OK, any gastrointestinal bleeding in past 12 mo is decline. OK Gastric bypass with surgery >6 mo ago without complications is usually OK (rate for build). Doesn't specifically mention lap band surgery. Decline or call underwriting
Liver disease, cirrhosis EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Lyme disease Decline until disease is not present after treatment with antibiotics Decline Decline OK OK OK OK
Marijuana use If smoked, tobacco rates apply. If ingested, tobacco rates do not apply. Recreational: up to 6 times/week is OK; daily use = call underwriting. Medical = call underwriting & the drug & substance usage questionnaire is required. Call underwriting Possible accept with tobacco rates Call underwriting
motor sports racing, boat racing, parachuting/skydiving, hang gliding, base jumping rock/mtn climbing also if cliff diving, scuba diving with depth over 130 feet, ultra-light flying, or plan any such activity in the next 2 years AND if flown, or intend to fly within the next 12 months in an aircraft as a student or a private licensed pilot call underwriting in past 2 yrs or next 2 yrs, call underwriting. Also for scuba diving, ballooning, ultra light flying & flown or flying as a student pilot or licensed pilot. call underwriting in the next 2 years Decline if past 2 yrs or in next 2 yrs also scuba diving, cave exploration, heli skiing, ultra light flying & boxing. Also, flown as a pilot, student pilot or crewmember. call underwriting
Multiple sclerosis In past 10 years Decline if EVER Decline if EVER Decline if MS under age 45 decline. MS age 45+ is possible accept, call underwriting. Nervous disorders if taking 3+ meds or hospitalization in past 2 yrs is decline. Decline if
Muscular Dystrophy EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Organ transplant EVER, also bone marrow Decline if EVER Decline if EVER Decline if EVER Decline if
Pancreas EVER Decline if alcohol related or chronic (single attack, acute > 1yr ago, non alcohol related, no complications are OK) Decline if chronic only Decline if single episode, fully recovered, no evidence of alcohol abuse is OK. Otherwise is decline.
Parkinson's or any other disease of the central nervous system EVER Decline if EVER Decline if EVER Decline if EVER Decline if
parole/probation in past 3 yrs for probation, parole, arrest, convicted, pled guilty to any crime or possession or distribution of drugs/illegal substances Decline if if jail time has been served, will consider 5 yrs after parole. For criminal activity with no jail time, will consider 1 yr after probation or parole. If currently on parole/probation, call underwriting. Decline if currently incarcerated, on parole or probation & in past 5 years convicted or pled guilty of a felony Decline if
physical, occupational or speech therapy N/A OK N/A OK 12 mo Decline if N/A OK
PTSD (Post Traumatic Stress Disorder) call underwriting call underwriting single episode & mild is OK, otherwise call underwriting mild-moderate is OK, severe is decline
Quadriplegia, paraplegia EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Received or advised to receive care in nursing home, assisted living, adult day care, home health ever Decline if call underwriting call underwriting 12 mo Decline if currently Decline if
Rheumatoid arthritis if severe & required follow up. Can include marked deformities in joints, rheumatoid nodules, restrictions in movement, needs assistance with some ADLs, chronic daily pain, involvement widespread in multiple joints. Decline if moderate/severe, RX include Humira, Embrel, Prednisone. Mild with no limitations is OK. Decline if Moderate/severe treated with Humira, Embrel or Methotrexate Decline if treated with Enbrel, Remicade or Humira. Osteoporosis under age 45 & 2+ bone fractures and/or falls is decline. Decline if
Sarcoidosis Decline if active disease and/or residual pulmonary impairment. Decline if Sarcoidosis is pulmonary only. Sleep apnea - if in past 3 yrs diagnosed/treated/meds/tested positive or received medical advice, call underwriting. Decline if EVER (except mild asthma) also COPD Decline if Mild sarcoidosis (stage 0-1, asymptomatic) is OK.
Schizophrenia EVER Decline if EVER. Also severe, major depression is a decline. Decline if taking Lithium, Seroquel, Abilify or Respidol. Decline if EVER also mental incapacity Decline if EVER Decline if
Scleroderma EVER Decline if N/A OK scleroderma localized is OK, otherwise decline Call underwriting call underwriting
sickle cell anemia EVER Decline if EVER Decline if EVER Decline if EVER Decline if
Stroke EVER Decline if EVER Decline if EVER, also ministroke, cerebral or symptomatic aneurysm, TIA Decline if EVER Decline if
Systemic lupus If moderate or severe. Can include swollen joints, pleuritic chest pain and pleural effusion and or complications with kidneys. Decline if EVER Decline if EVER Decline if Lupus (discoid) is OK. Decline if
Ulcerative colitis Moderate/severe colitis Decline if EVER Decline if colitis if 1 yr since diagnosis or major attack, over age 20, call underwriting. individual consideration Hospitalization or complications within the past yr is decline. Mild/moderate is OK Decline if
unexplained weight loss if more than 10 pounds call underwriting N/A OK 12 mo (unexplained weight loss has to be greater than 10 lbs & not due to diet/exercise) Decline if N/A OK
US Citizen OK as long as legal resident with a TIN (tax ID #), must have a permanent Visa (not a non-immigrant ,temporary, work or school Visa). Must also meet our definition of a foreign national which includes permanent residency in the US, living full-time in the US and a valid and long-term interest in the US. Must have a valid Social Security # & work visa or other immigration visa Must have a valid Social Security # & green card, must have lived in US for a minimum of 1 yr Must have a valid Social Security # & green card, must have lived in US for a minimum of 2 yrs
Use of pain medication Call Underwriting. The following medications will cause an underwriting review or decline: Hydrocodone ( Vicodin), Oxycodone ( Percocet), Methadone, Fentanyl, Morphine, Oxycodine, Oxycotin Anything more than temporary use for a recent surgery would be a decline. Also if pain narcotics are prescribed by multiple doctors it will be declined. Pain killers combined with antidepressants or antianxiety will be declined. If the client is disabled and taking medications this will be declined. An exception to this may be if the client recently had a surgery and is taking them short term. Call underwriting
used oxygen or catheter EVER, permanent usage Decline if EVER Decline if 12 mo, also catheter Decline if currently using oxygen. Also sleep apnea is a possible accept, call underwriting. Decline if
used unlawful drugs or prescription drugs other than as prescribed in past 5 yrs used or treated for amphetamines, cocaine, narcotics (other than marijuana), hallucinogens, barbiturates Decline if except occasional social use of marijuana (smoker rates apply) Decline if past 10 years, also convicted of possession of drugs Decline if less than 5 yrs from end of use/treatment Decline if
used walker, wheelchair, electric scooter EVER, permanent usage Decline if if currently using wheelchair due to chronic illness or disease, call underwriting call underwriting 12 mo Decline if 12 mo used wheelchair due to chronic illness or disease Decline if