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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, Security Protector, OBA Group Term, Living Advantage & Home Protector ResultsAmerico HMS Plus series ResultsProsperity Life Family Freedom Term ResultsProsperity Life Graded Prime Term Results
Time PeriodTime 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 call underwriting N/A OK
alcohol treatment or advised to limit or discontinue use in past 5 yrs advised to reduce, stop or seek treatment for Decline if 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 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 in past 5 years, medical treatment or counseling for the use of alcohol, or drugs (illegal or prescribed) Decline if in past 2 years ONLY IF admitted/advised to enter a special treatment facility 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 diagnosed or treatment advised in past 5 yrs Decline if N/A OK
Alzheimer's, dementia EVER Decline if EVER Decline if EVER also mental incapacity Decline if EVER Decline if EVER including memory loss Decline if EVER diagnosed or treatment advised in past 5 yrs Decline if in past 2 years 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 of either your right or left foot or leg caused by diabetes Decline if Due to diabetes is a decline. Permanent use of walker, wheelchair, scooter is decline. Otherwise, OK N/A OK
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 ever for Cerebral, Aortic or Thoracic Aneurysm, Abdominal Aortic Aneurysm Decline if in past 5 years, also including Cerebral, Aortic or Thoracic Aneurysm Decline if N/A OK
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 in past 12 mo (other than for maternity, fractures, spinal or back disorders or hip or knee replacement) Decline if N/A OK
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 currently Decline if currently Decline if 12 mo Decline if in past 2 years Decline if
Autism Possibly ok, check medication list EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or treatment advised in past 5 yrs Decline if N/A OK
Bipolar depression EVER, also attempted suicide 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 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 EVER diagnosed or treatment advised in past 5 yrs Decline if N/A OK
Blood disorders N/A OK N/A OK N/A OK N/A OK EVER for thalassemia, clotting disorders, or other disorders of the blood Decline if in past 5 years for Granulomatosis with polyangiitis (GPA), Churg-Strauss syndrome & Microscopic polyangiitis Decline if N/A OK
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 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 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, KaposiÕs Sarcoma Decline if in past 5 years for any Cancer, Tumor, Leukemia, Lymphoma, or Melanoma (except basal cell or squamous cell skin cancer) Decline if in past 2 years (excluding Basal or Squamous cell skin cancer) 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 N/A OK N/A OK
Cerebral palsy EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if N/A OK
check height/weight chart YES YES YES YES YES YES NO OK
Chronic kidney disease, end-stage renal disease with dialysis EVER Decline if EVER Decline if EVER Decline if 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 dialysis is in past 12 mo, other is in past 5 years including End Stage Renal Disease Decline if N/A OK
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. If in past 5-10 yrs had any disease/disorder of the respiratory system = call underwriting. 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. Decline if 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 in past 5 years, including any other Chronic Lung Disorder (except mild Asthma) Decline if N/A OK
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 N/A OK in past 12 mo Decline if 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 donÕt 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. 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 2 years including been convicted or plead guilty to 3 or more moving violations Decline if N/A OK
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 convicted of misdemeanor or felony in past 5 yrs, also probation or parole the past 6 mo. Decline if in past 10 yrs been convicted of, pled guilty to, or currently awaiting trial for a felony Decline if in past 5 years, conviction or guilty plea Decline if N/A OK
Covid-19 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. 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. in past 3 months, been hospitalized or in any other medical facility for covid or been advised to have any mechanical aid to assist in breathing due to covid. In the last 6 months you've been advised that you have a residual medical diagnosis associated with a resolved COVID-19 infection including shortness of breath, difficulty breathing or damage resulting in ongoing respiratory disease. In the last 30 days, you've been diagnosed, treated, or been given medical advice for a new or unexplained continuous cough, a high temperature or fever, chest pain, severe digestive pain, severe fatigue and/or breathing difficulties Decline if N/A OK N/A OK
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 CrohnÕs 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 diagnosed prior to age 20 or in past 12 mo Decline if EVER Decline if N/A OK N/A OK
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 last 12 months Decline if including rehabilitation facility Decline if currently Decline if N/A OK
Cystic fibrosis Ever for any degenerative muscle & nerve disease/disorder Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if in past 5 years Decline if N/A OK
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 diagnosed OR treatment advised in last 5 years for insulin use, prior to age 50 (other than gestational), any complications of Neuropathy (nerve), Retinopathy (eye), Nephropathy (kidney) or Peripheral Vascular Disease (PVD or PAD) Decline if N/A OK
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 Decline if EVER for mental incapacity Decline if EVER diagnosed or treatment advised in past 5 yrs including Hydrocephalus Decline if N/A OK
Downs Syndrome EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or treatment advised in past 5 yrs Decline if N/A OK
Drug use - 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. Also advised to reduce, stop or seek treatment for abuse of prescribed or non-prescribed drugs Decline if except occasional social use of marijuana (smoker rates apply) Decline if past 10 years, also convicted of possession of drugs Decline if illegal drug use or treatment in the past 4 yrs. Over 4 yrs & no use since is OK. 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 in past 5 years, Use, positive test, or possession conviction for illegal drugs, narcotics and other habit-forming drugs (includes medical marijuana and opioids, unless used only as prescribed) Decline if in past 2 years ONLY IF admitted/advised to enter a special treatment facility Decline if
Eating disorders N/A OK N/A OK N/A OK N/A OK EVER Decline if N/A OK N/A OK
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. all except Petit Mal 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 N/A OK N/A OK
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 N/A OK N/A OK
Fibromyalgia OK OK No depression, working full time is OK OK OK OK OK OK OK OK OK N/A OK
Foreign travel call underwriting if in next 2 years, plan to travel outside of the USA or Canada for more than 30 consecutive days & 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 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 in the next 2 years plan to live or work outside of the US Decline if N/A OK
Gastrointestinal bleeding N/A OK N/A OK N/A OK N/A OK N/A OK in past 12 mo Decline if N/A OK
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, heart/circulatory system 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. Decline if ever including Valvular Heart Disease, Cerebrovascular Disease, Cardiomyopathy, Congestive Heart Failure, Congenital Heart Disease, abnormal heart rhythm & Defibrillator Decline if in past 5 years also including Valvular Heart Disease with Repair or Replacement, Cardiomyopathy, congestive heart failure, Congenital Heart Disease, Abnormal heart rhythm (Tachycardia, Atrial Fibrillation (Afib), Atrial Flutter, Bradycardia, Ventricular Fibrillation) Decline if in past 2 years ONLY FOR heart attack, heart surgery, cardiomyopathy & congestive heart failure Decline if
Hepatitis B or C in past 5-10 years call underwriting EVER Decline if EVER Decline if History of/diagnosis/treatment for Hep B or C. Decline if EVER excluding Hepatitis A if fully recovered Decline if in past 5 years Decline if N/A OK
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 EVER (diagnosis or positive test only) Decline if N/A OK
hospitalized for high Blood Pressue in past 5 years Decline if 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 in past 5 years Decline if N/A OK
hospitalized for mental/nervous disorder ever for any disease of brain. Psychiatric disorders in past 10 yrs. Also ever attempted suicide. Decline if If in past 5 years call underwriting, otherwise OK call underwriting or OK 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 diagnosed or treatment advised in past 5 yrs, also for mental incapacity regardless of hospitalization Decline if N/A OK
Huntington's or any other disease of the central nervous system EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER including Demyelinating Disease & Hydrocephalus Decline if EVER diagnosed or advised treatment in past 5 yrs Decline if N/A OK
Immune system or connective tissue disease/disorder EVER Decline if Marfan's syndrome & spina bifida is a decline. N/A OK EVER Decline if EVER also, in past 10 years for immune deficiency or Pneumocystis Carinii Pneumonia Decline if in past 5 years for Marfan syndrome Decline if N/A OK
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 if surgery in past year or history of complications such as Dumping Syndrome = decline. After 1 year since surgery with no complications = OK 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 N/A OK N/A OK
Liver disease, cirrhosis EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER including liver failure Decline if in past 5 years Decline if N/A OK
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 EVER Decline if EVER Decline if in past 5 years Decline if N/A OK
Lyme disease Decline until disease is not present after treatment with antibiotics Decline Decline OK OK OK OK OK OK OK OK N/A OK
Marijuana use If smoked, tobacco rates apply. If ingested, tobacco rates do not apply. In past 3 years, used in any form more than 4 days/week = call underwriting Recreational: up to 6 times/week is OK; daily use = call underwriting. Medical = call underwriting & the drug & substance usage questionnaire is required. 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 EVER Decline if N/A OK
Military N/A OK Call underwriting N/A OK 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. N/A OK N/A OK
motor sports racing, boat racing, parachuting/skydiving, hang gliding, base jumping rock/mtn climbing, pilots 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. 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. plan to in next 2 years, doesn't mention pilots Decline if N/A OK
Multiple sclerosis In past 10 years Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or advised treatment in past 5 yrs Decline if N/A OK
Muscular Dystrophy EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or advised treatment in past 5 yrs Decline if N/A OK
Organ transplant EVER, also bone marrow Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or treatment advised in past 5 yrs including bone marrow Decline if in past 2 years 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 chronic pancreatitis or multiple episodes Decline if N/A OK N/A OK N/A OK
Parkinson's or any other disease of the central nervous system EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER including any nervous disorder Decline if EVER diagnosed or treatment advised in past 5 yrs Decline if N/A OK
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 in past 6 mo. Decline if 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 currently including awaiting trial Decline if N/A OK
physical, occupational or speech therapy N/A OK N/A OK 12 mo Decline if N/A OK N/A OK 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 N/A OK N/A OK
PTSD (Post Traumatic Stress Disorder) call underwriting call underwriting single episode & mild is OK, otherwise call underwriting call underwriting N/A if meds are OK N/A OK N/A OK
Quadriplegia, paraplegia EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or treatment advised in past 5 yrs Decline if N/A OK
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 currently confined to hospital, medical facility or rehab facility Decline if 12 mo Decline if in past 2 years including special treatment facility 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 EVER except minimal, slight impairment Decline if 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 in past 5 years Decline if N/A OK
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 EVER Decline if EVER Decline if in past 5 years Decline if N/A 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 also major depression & suicide attempt Decline if EVER including Major Depression, Chronic Depression, or any other nervous disorder & suicide attempt Decline if EVER diagnosed or treatment advised in past 5 yrs Decline if N/A OK
Scleroderma EVER Decline if N/A OK scleroderma localized is OK, otherwise decline N/A OK EVER Decline if in past 5 years Decline if N/A OK
sickle cell anemia EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER Decline if EVER diagnosed or advised treatment in past 5 yrs Decline if N/A OK
Stroke EVER Decline if EVER Decline if EVER, also ministroke, cerebral or symptomatic aneurysm, TIA Decline if 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 in past 5 years, including TIA & mini stroke Decline if in past 2 years Decline if
Terminal illness ever Decline if ever Decline if ever Decline if ever Decline if ever Decline if ever Decline if ever 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 diagnosed prior to age 20 or within past 12 mo Decline if EVER Decline if N/A OK N/A OK
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 in past 12 mo for greater than 10 pounds 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 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 Social Security # and drivers license is required. Must be a US Citizen or legal permanent resident Social Security # and drivers license is required. Must be a US Citizen or legal permanent resident
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 been prescribed narcotics to alleviate the pain of a chronic condition & have continued this medication for more than 6 months Decline if N/A OK N/A OK
used oxygen or catheter regularly using Decline if EVER Decline if 12 mo, also catheter Decline if N/A for catheter, call underwriting for oxygen use 12 mo Decline if 12 mo Decline if in past 2 years for oxygen only Decline if
used walker, wheelchair, electric scooter regularly using Decline if if currently using wheelchair due to chronic illness or disease, call underwriting call underwriting 12 mo Decline if call underwriting call underwriting 12 mo Decline if 12 mo Decline if N/A OK