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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 ResultsAmer Amicable Easy Term, Term Made Simple, Capital Legacy, Security Protector, OBA Group Term, Survivor Protector, Living Advantage & Home Protector ResultsAmerico HMS Plus series Resultsamerico Results
Time PeriodTime PeriodTime 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 in past 12 mo Decline if any disease/disorder of the bones or muscles for which you have had surgery within the last 12 months and have not secured a release. Also, in past 2 years any labs, diagnostic testing, or procedure(s) completed with abnormal results, or results that require additional or follow-up diagnostic testing or treatment, or for which results are still pending or referral to another licensed member of the medical profession or facility for consultation or treatment that has not been completed, or consulted a Dr not already identified for any reason. Also, in past 12 mo, recommended but not yet completed any treatment, surgery, or hospitalization. Decline if in past 5 yrs or relapse Decline if
alcohol treatment or advised to limit or discontinue use in past 5 yrs. Also alcohol related pancreatitis. Decline if in past 10 yrs Decline if in past 4 years. OK after 4 yrs since no use (12 mo for Capital Legacy) Decline if in past 10 yrs, if used alcohol to a degree that required treatment or advised to limit or discontinue its use Decline if EVER Decline if EVER 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 EVER Decline if EVER also mental incapacity Decline if
Alzheimer's, dementia EVER Decline if EVER including memory loss Decline if 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
Amputation of either your right or left foot or leg caused by diabetes Decline if 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 ever for Cerebral, Aortic or Thoracic Aneurysm, Abdominal Aortic Aneurysm 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 receiving SSI benefits for disability and/or currently not employed due to medical reasons Decline if N/A OK call underwriting call underwriting
Assistance with ADLs (bathing, dressing, eating, toileting, getting in & out of chair/bed, management of bowel/bladder problems EVER Decline if 12 mo Decline if currently Decline if currently Decline if Possibly ok, check medication list EVER Decline if
Autism EVER Decline if EVER Decline if EVER Decline if 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 depression including major depression & suicide attempt. Anxiety, 1 medication, situational in nature = OK Decline if EVER including Major Depression, Chronic Depression, or any other nervous disorder & suicide attempt. Also, mild or situational depression/anxiety diagnosed in past 6 months, or if been hospitalized is a decline Decline if N/A OK N/A OK N/A OK N/A OK
Blood disorders EVER for thalassemia, clotting disorders, or other disorders of the blood Decline if 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 EVER, except basal cell or squamous cell skin cancer or 8 yrs since surgery/diagnosis/last treatment with no recurrence or additional occurrence (7 yrs for Capital Legacy & Home Protector). Leukemia is always a decline. Decline if EVER, except basal cell skin cancer. Also in past 10 years for unexplained infections or skin lesions, unexplained swelling of the lymph glands, Kaposi’s Sarcoma Decline if
Carotid artery surgery Ever Decline if Artery blockage is a decline in past 10 years Decline if N/A OK Ever, also for arteriosclerosis Decline if ever been treated for any blood circulation condition Decline if EVER Decline if
Cerebral palsy EVER Decline if EVER Decline if EVER Decline if EVER Decline if YES YES
check height/weight chart YES YES YES EVER Decline if EVER Decline if EVER Decline if
Chronic kidney disease, end-stage renal disease with dialysis EVER also insufficiency, Nephrectomy, Polycystic Kidney Disease Decline if EVER also End-Stage Renal Disease, Renal Insufficiency & any condition within the last 5 years that required dialysis Decline if 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 including asthma if severe, hospitalization/ER visit in past 12 mo, maintenance steroid use or combined with tobacco use. Sleep apnea if combined with history of overweight, poorly controlled high blood pressure, COPD or heart arrhythmia = Decline. If asthma is mild, occasional, brief episodes, allergic, seasonal, moderate (more than 1 episode/mo) = OK Tuberculosis within 2 yrs of treatment or diagnosis is decline, if over 2 yrs w/no residuals is OK. Tuberculosis is OK for Capital Legacy. Decline if
Chronic lung disease, COPD, chronic bronchitis, emphysema EVER including Sarcoidosis & Pulmonary Hypertension, exlcuding mild asthma. Asthma for which you take daily oral steroid medications or if in past 12 months visited an Emergency Department, or been hospitalized is a decline. Sleep apnea diagnosed in past 6 months or for which not being treated (CPap or BiPap) is a decline. Pneumocystis Carinii Pneumonia in past 10 yrs is a decline Decline if 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 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. More than 2 DUI, call underwriting. For suspended/revoked license: If the infraction is over a year we don’t specifically need the license to be reinstated but we do evaluate based on the age, the nature of the offense and whether there are other moving violations past 5 years, also 4 or more moving violations Decline if in past 3 yrs a DWI, 2 or more accidents, 3 or more driving violations or combination thereof, or license currently suspended or revoked. For Capital Legacy ONLY: DUI/DWI/license suspended/revoked in past 12 mo Decline if in past 2 yrs, convicted, pled guilty, or entered into a plea agreement for DUI for drugs/alcohol, or reckless driving, pled guilty to or been convicted of 3+ moving violations or license suspended or revoked for any driving-related criticism Decline if in past 3 yrs for probation, parole, arrest, convicted, pled guilty to any crime or possession or distribution of drugs/illegal substances Decline if
convicted or incarcerated for felony 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 convicted of misdemeanor or felony in past 5 yrs, also probation or parole the past 6 mo. For Capital Legacy ONLY: in past 12 mo, convicted of felony, probation/parole or felony charge or DWI/DUI charge currently pending Decline if in past 10 yrs been convicted of, pled guilty to, or currently awaiting trial for a felony Decline if if diagnosed or tested positive, wait 14 days from the date of diagnosis or positive test to take the application, a phone interview will be ordered. If they've been hospitalized overnight due to covid, case will be postponed until 3 yrs medical records are received, at the clients expense. A covid-19 questionnaire is required with all apps (except in CA, FL, ND & NY). Any YES answer on the questionnaire means the application will be postponed and you can reapply after 60-90 days depending on which question was answered with a YES. The postponement period starts from the date of testing, recovery or contact depending on the question.
Covid-19 If the proposed insured or any member of his or her household has traveled or resided outside of the United States within the past 30 days, the application will be postponed until 30 days following their return. If the proposed insured or any member of his or her household has come into close contact with anyone known to the insured to have tested positive for COVID-19, the application will be postponed until 30 days following their exposure. In addition, anyone testing positive for the COVID-19 virus or those who have been hospitalized or quarantined for the virus will have their application postponed for a minimum of 90 days. Decline if it has been less than 90 days since testing positive for and/or full recovery from corona virus, or if in past 30 days been advised to get specified medical care (such as any diagnostic testing or hospitalization) which was not completed as result of fever, cough, shortness of breath, fatigue (excluding HIV/AIDS). For these, postpone until the applicant has been fully recovered for longer than 90 days. can submit another application 6 months from the date they are asymptomatic 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
Crohn's disease diagnosed prior to age 20 or in past 12 mo (OK for Capital Legacy) Decline if EVER Decline if 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 last 12 months Decline if
Currently confined to hospital or medical facility including rehabilitation facility Decline if Ever for any degenerative muscle & nerve disease/disorder Decline if EVER 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 & 2: If A1C is 10.9 or lower & there's no history of vision, nerve pain, kidney or other complictations or heart disease, check eligibility at https://ezbiz.foresters.com/sfdiabetesratings. Diabetes questionnaire is required with app. 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) Combined with overweight, gout, retinopathy, protein in urine, diagnosed prior to age 35, tobacco use in past 12 mo, uses insulin & blindness caused by diabetes Decline if if diagnosed/treated/advised in past 10 yrs AND if diagnosed in past 6 months, diagnosed prior to age 35, in past 3 months taken more than 2 meds to control blood sugar, in past 6 months had an A1c reading of more than 8.0 or told that your diabetes is uncontrolled, been treated for cellulitis, neuropathy or amputation of either your right or left foot or leg Decline if EVER Decline if
Diseases of brain, peripheral arterie Ever for Alzheimer's, dementia Decline if Ever for bipolar, depression, schizophrenia, Alzheimer's, dementia, mental incapacity Decline if Peripheral Vascular Disease Decline if EVER for mental incapacity Decline if EVER Decline if EVER Decline if
Downs Syndrome EVER Decline if EVER Decline if EVER Decline if 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
Drug use - unlawful drugs or prescription drugs other than as prescribed illegal drug use or treatment in the past 4 yrs. Over 4 yrs & no use since is OK. For Capital Legacy ONLY: past 12 mo use/treatment/recommended to discontinue use Decline if in past 10 yrs, including morphine, other unprescribed narcotics, ecstasy, opium derivatives, marijuana for medical purposes & treatment for drug use. Also in past 10 yrs been convicted of possession of unlawful drugs Decline if N/A OK N/A OK N/A OK N/A OK
Eating disorders EVER Decline if 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. all except Petit Mal (OK for Capital Legacy) Decline if epilepsy or seizure disorder in past 6 months or has caused you to be hospitalized in past year, or do you have any driving restriction due to Epilepsy or Seizure Disorder Decline if
Fever N/A OK N/A OK N/A OK N/A OK in past 10 years for recurrent fever, fever of unknown origin or severe night sweats Decline if OK OK
Fibromyalgia No depression, working full time is OK OK OK OK OK OK OK call underwriting if in next 2 years, plan to reside outside of the USA or Canada & provide details that include what country you will be residing in, the length of time you plan to reside outside of the USA, the reason for your foreign residency, and your occupation/job duties while you are living abroad Call underwriting
Foreign travel N/A OK N/A OK Decline if in next 2 years, intend to work/travel/reside in Saudi Arabia, Iraq, Afghanistan, Syria, Somalia, Sudan, or Yemen for more than 30 days, or reside outside the United States at any location more than 180 days. US citizens making short trips (4 weeks or less) out of the country for business, pleasure, or educational purposes are usually acceptable risks, depending on their destination N/A OK N/A OK N/A OK
Gastrointestinal bleeding N/A OK N/A OK 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 including Aortic Insufficiency, Aortic Stenosis, Arteriosclerosis, Cardiomyopathy, CHF, fibrillation, arrhythmia, heart murmur with history of treatment/surgery, hemophilia, Marfan Syndrome, mitral Insufficiency, blood pressure uncontrolled or using 3+ meds, valve replacement. AFIB, arrhythmia & pacemaker is OK for Capital Legacy. Decline if
Heart attack, coronary artery disease, bypass surgery, angioplasty, stent, pacemaker, chest pain etc ever including Valvular Heart Disease, Cerebrovascular Disease, Cardiomyopathy, Congestive Heart Failure, Congenital Heart Disease, abnormal heart rhythm & Defibrillator Decline if EVER Decline if EVER Decline if EVER Decline if History of/diagnosis/treatment for Hep B or C. Hep B is OK for Capital Legacy. Decline if EVER excluding Hepatitis A if fully recovered Decline if
HIV, AIDS EVER, also ARC Decline if EVER Decline if EVER Decline if EVER Decline if in past 10 yrs diagnosed or tested positive for HIV or AIDS or Pneumocystis Carinii Pneumonia Decline if call underwriting if hospitalized in past 5 years call underwriting
hospitalized for high Blood Pressue call underwriting call underwriting past 10 years Decline if if uncontrolled or using 3+ meds to control = decline if diagnosed/treated/advised in past 10 yrs AND if initial diagnosis in past 4 months, original diagnosis given before age 30, currently taking more than 3 medications to control blood pressure, had an abnormal EKG or echocardiogram in past 12 months, in past 6 months been told that your blood pressure was uncontrolled, ever been treated for any heart disease/disorder including chest pain or blood circulation condition Decline if 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
hospitalized for mental/nervous disorder past 10 years Decline if Major depression, bipolar disorder, schizophrenia, severe mental retardation & suicide attempt Decline if EVER for mental incapacity. Also mild or situational depression/anxiety diagnosed in past 6 months, or for which you have been hospitalized Decline if EVER Decline if EVER Decline if EVER Decline if
Huntington's or any other disease of the central nervous system EVER Decline if EVER including Demyelinating Disease & Hydrocephalus Decline if EVER Decline if Marfan's syndrome & spina bifida is a decline. N/A OK EVER Decline if
Immune system or connective tissue disease/disorder EVER also, in past 10 years for immune deficiency or Pneumocystis Carinii Pneumonia Decline if 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 if surgery in past year or history of complications such as Dumping Syndrome = decline. After 1 year since surgery with no complications = OK (OK for Capital Legacy) in past 2 yrs results that require additional or follow-up diagnostic testing or treatment, or for which results are still pending or referral to another licensed member of the medical profession or facility for consultation or treatment that has not been completed. Also, in past 12 mo, recommended but not yet completed any treatment, surgery, or hospitalization Decline if
Liver disease, cirrhosis EVER Decline if EVER Decline if EVER Decline if EVER. Liver disease is OK for Capital Legacy, failure is decline. Decline if EVER including liver failure Decline if Decline until disease is not present after treatment with antibiotics
Lyme disease Decline Decline OK OK OK OK OK OK 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.
Marijuana use Call underwriting call underwriting in past 10 yrs if used marijuana for medical purposes or in past 2 yrs if smoked marijuana for recreational purposes Decline if N/A OK Call underwriting N/A OK
Military Call underwriting If deployment orders are pending, or have been received (verbal or written), please indicate and supply the location of the next duty site for underwriting consideration. If active & currently deployed or orders to be deployed in Saudi Arabia, Iraq, Afghanistan, Syria, Somalia, Sudan, or Yemen = decline. 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 is a decline. Only commercial airline pilots are OK. Any recreational, firefighting, or helicopter pilots are not eligible. Decline if Commercial pilot for regularly scheduled airline or Private Pilot with more than 100 solo hours = OK. Other pilots or student pilots = Decline. Also including rodeo events.
motor sports racing, boat racing, parachuting/skydiving, hang gliding, base jumping rock/mtn climbing, pilots Decline if in past 2 years including: cave diving, underwater photography, canyoning, or Scuba diving over 100 ft. If in the past 2 years, made any flights as a pilot or student pilot aviation exclusion will be included. In past 10 years Decline if EVER Decline if EVER Decline if EVER (OK for Capital Legacy) Decline if EVER Decline if
Muscular Dystrophy EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER, also bone marrow Decline if
Organ transplant EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if alcohol related or chronic (single attack, acute > 1yr ago, non alcohol related, no complications are OK) Decline if
Pancreas chronic only Decline if chronic pancreatitis or multiple episodes Decline if N/A OK EVER Decline if EVER Decline if EVER Decline if
Parkinson's or any other disease of the central nervous system EVER Decline if EVER including any nervous disorder Decline if 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 in past 6 mo. For Capital Legacy ONLY: in past 12 mo probation/parole Decline if
parole/probation In past 10 yrs or currently, if served or been released from incarceration, probation, parole, or other court-ordered supervision for a misdemeanor or felony conviction Decline if N/A OK N/A OK 12 mo Decline if N/A OK N/A OK
Pregnant N/A OK N/A OK N/A OK N/A OK if currently pregnant & been diagnosed with any complications of pregnancy including gestational diabetes, pregnancy-induced high blood pressure or toxemia, a multiple fetal pregnancy, or have you been advised to limit your normal activities, stop work, or be on bed rest Decline if call underwriting
PTSD (Post Traumatic Stress Disorder) call underwriting single episode & mild is OK, otherwise call underwriting call underwriting N/A if meds are OK EVER Decline if EVER Decline if
Quadriplegia, paraplegia EVER Decline if EVER Decline if EVER Decline if ever Decline if call underwriting call underwriting 12 mo Decline if
Received or advised to receive care in nursing home, assisted living, adult day care, home health currently Decline if currently confined to hospital, medical facility or rehab facility Decline if 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 EVER except minimal, slight impairment (OK for Capital Legacy) Decline if
Rheumatoid arthritis EVER including debilitating or disabling arthritis, chronic joint or disc disease. Also, psoriatic or other inflammatory arthritis diagnosed in past 6 months or for which you are undergoing infusion therapy or being prescribed biologics or take daily oral steroids Decline if 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 EVER Decline if EVER Decline if
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 also major depression & suicide attempt Decline if EVER including Major Depression, Chronic Depression, or any other nervous disorder & suicide attempt Decline if EVER Decline if
Scleroderma N/A OK scleroderma localized is OK, otherwise decline N/A OK EVER Decline if EVER Decline if EVER Decline if
sickle cell anemia EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER, also ministroke, cerebral or symptomatic aneurysm, TIA Decline if
Stroke EVER for stroke. For TIA, if combined with Tobacco Use = decline, if not after 6 mo no residuals is OK. Decline if ever including TIA Decline if 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 EVER Decline if
Systemic lupus EVER Decline if Moderate/severe colitis Decline if EVER Decline if colitis if 1 yr since diagnosis or major attack, over age 20, call underwriting. individual consideration diagnosed prior to age 20 or within past 12 mo (OK for Capital Legacy) Decline if EVER 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 in past 10 years Decline if 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.
US Citizen 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 If no Social Security #, must have TIN & green card/visa & lived in US min 1 yr, also must provide drivers license, current US physician, no plans to move outside US, if they're an alien there are additional requirements. Must do a phone interview. Non-US citizens cannot be payor or owner. Social Security # required. Coverage is not available for those temporarily residing in the US or not residing legally in the US. Consideration may be given to non-citizens who have established legal, permanent residency in the US & are applying for citizenship. One of the following documents must be submitted with the application, no exceptions will be made: green card or permanent Visa (B1 - B2 Visas not acceptable) or copy of U.S. Citizenship and immigration Services Form I-551 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.
Use of pain medication 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 been prescribed narcotics to alleviate the pain of a chronic condition & have continued this medication for more than 6 months Decline if EVER, permanent usage Decline if EVER Decline if 12 mo, also catheter Decline if
used oxygen or catheter N/A for catheter, call underwriting for oxygen use 12 mo Decline if EVER, permanent usage Decline if if currently using wheelchair due to chronic illness or disease, call underwriting call underwriting 12 mo Decline if call underwriting call underwriting
used walker, wheelchair, electric scooter 12 mo Decline if