Traditional Life Health Reference Guide

All Carriers – Decline

Assurity- Mild, no behavioral symptoms, school age and up (0-T4) / More severe (T6-Decline)

Assurity- Depending on cause and time of last attack (0-Decline)

American National Insurance Company (ANICO)

John Hancock

Assurity- Decline

Chime – Ethos, American Amicable

Assurity- Alcohol Current Use – 2 years(Decline) / 2-3 years (T6+) / 3-4 years (T4-T6) / Over 4 years (T2-T4)

All Carriers- Decline

Assurity- Present or Medical treatment only (Decline) / Operated and no remaining impairment- 0-5 years (T4-Decline) Over 5 years (T2)

Assurity- See Coronary Artery Disease

Assurity- See Coronary Artery Disease

NLG- within last 6 months or in combination with history of diabetes, stroke, continued tobacco use decline

Assurity- Individual Consideration (Standard to Decline)

Assurity- Osteoarthritis (0-T2) / Psoriatic Arthritis- (0-T4) / Rheumatoid Arthritis- Mild (0) / Moderate (0-T2) / Severe (T2-T6) / Treated with gold, steroids, methotrexate (add 2 tables) / Rapidly Progressive (Decline)

All Carriers- Decline

Assurity- Mild with no hospitalization or steroids (0) / Smoker (T2) / Moderate 2-3 attacks per year or occasional steroid use (T4) / Smoker (T6) / Severe or Ashmaticus (Decline)

Assurity- Decline

Foresters- Friend not allowed

Assurity- Present (Decline) / Adequately treated 0-5yr (0-T4)

Assurity- Acute (Standard) / Chronic (0-T2) Smoker (T4+) / Moderate (T3-Decline) Smoker (T6-Decline)

Assurity- 0-6mo (PP) / 6-12mo (Build Rate + T2) / 1-2yr normal build, stable (T2) / 2yr (0)

NLG- Decline within six months.

Assurity- Current (Decline) / Past and clear (Individual Consideration)

NLG – Diagnosed within last 3 to 5 years decline / Over is individual consideration.

Americo- Decline if ever

Assurity- Usually Decline

Assurity- 10 years old and up, best case, no mental retardation, bowel and bladder problem (0-T4) / Others (Decline)

Assurity- Decline

NLG- Decline

Assurity- Chronic (Decline) / Acute, fully recovered, non-cardiac related (RFC)

Assurity- Chronic (0-T2) Smoker (T4+) / Moderate (T3-Decline) Smoker (T6-Decline)

NLG- on oxygen or disabling or with current tobacco use or in combination with Sleep Apnea is decline

Foresters Strong Foundation- Accepts mild COPD for non-smokers, provided no prescription steroids or oxygen.

Assurity- Within 10 years of treatment (T4-Decline) / Over 10 years since treatment (Possibly T2-T6)

Americo-Decline if ever

Assurity- Decline

Assurity- Mild: 0-2yr (0-T2) / 2yr+ (0) / Moderate: 1-5yr (T2-T6 and up) / Severe, impaired functional state, suicide attempts, multiple relapse (Decline)

Assurity- Excellent control and no other impairments: Age at diagnosis- <10 (Decline) / 10-19 (T10-Decline) / 20-34 (T6) / 35-39 (T4-T6) / 40-49 (T2-T4) / 50+ ( (0-T2)

NLG- A1C over 10 decline, over 7 Express is decline. if any complications present amputation, retinopathy, kidney or vascular disease or in combination with cardiac, stroke, of morbid obesity decline.

Foresters Strong Foundation- Type 2 accepted for ages 35-49 diagnosed <15 years ago / 50+ any duration.
Type 1 accepted for ages 40-59 <5 years ago / 60+ diagnosed <25 years ago

Assurity- Decline

All Carriers- Decline

NLG- Decline for most non-muscosketal related impairments. SSDI, DI due to depression, PTSD, or other medical issues.

NLG- Decline if DUI within the last year or two or more within the past five years.

Assurity- Drug Current Use- 5 years (Decline) 5-7 years (T2-T4) / Over 7 is standard. Marijuana Use- Occasional 1-2x mo (Standard) / Moderate 3-6x mo (T2-T4) / Frequent 6+ mo (T6 and up)

NLG- Decline if drug use within past 3 years or daily marijuana use.

Assurity- Chronic (0-T2) Smoker (T4+) / Moderate (T3-Decline) Smoker (T6-Decline)

NLG- severe on oxygen or disabling or with current tobacco use or in combination with Sleep Apnea is decline

See Seizures

NLG- Decline if not release from probation or parole or charge pending: all felony convictions are otherwise individual consideration.

Assurity- Within 10 years of treatment (T4-Decline) / Over 10 years since treatment (Possibly T2-T6)

Americo- Decline if ever

NLG- Decline if within six months or in combination with Diabetes or Stroke history.

Assurity- Individual Consideration if over 2 years ago

NLG- Decline if within a year

Assurity- A/B Active (PP) / A/B Resolved (0-IC) / Hep C (IC)

Assurity- Decline

Assurity- Decline

Assurity- (T1-Decline)

Assurity- Age 50+ (T8-Decline) / If family history (T2-T8)

Assurity- Systemic 2-4yr (T8-T12) / 4-6yr (T4-T6) / Over 6yr (T2-T6)

Assurity- Decline

Assurity- Time since diagnosis 1-3yr: Mild (T4) / Moderate (T8) / 3-10yr: mild (T2) / Moderate (T6) / 10+yr: Mild (0) / Moderate (T4) / All other Decline

NLG- Decline if disabling or progressive

Assurity- (0-Decline)

Assurity- Decline

NLG- Decline

All Carriers Decline

Assurity- No other cardiac abnormalities, best case only: 1-3yr (T4-T6) / 3yr+ (T2-T4) / Due to atrial fib, complete heart block, etc (T6-Decline)

Assurity- Due to Gallbladder disease: Gallbladder removed over 1 year ago (0) / Gallbladder not removed (Decline) / Other than Gallbladder Disease over 1 year (T3-Decline) / More than on episode or with remaining impairment or symptoms (Decline) / Due to alcohol abuse (Decline)

Assurity- Mild, slowly progressive (T2-T4) / Severe (Decline) / Drug induced with full recovery (IC)

NLG- Decline if disabling

Wait until after surgery is completed

NLG- Decline if required hospitalization or disability in the last year.

Americo- Ages 20-55 (15/20/25/30 year) Ages 56-60 (20 year)

American Amicable- 18-50 (20/30 year) Ages 51-60 (20 year)

Assurity- 18-50 (20/30 year) Ages 51-60 (20 year)

Mutual Of Omaha- 18-50 (30 year)

United Home Life- Ages 25-60 NT or 25-45 T (20 year)

Assurity- 0-5yr (T8-Decline) / 5yr+ (T4+)

Assurity- 0-2 years from initiation of treatment (Decline) / 2+ years well controlled ((0-T1) / Moderately controlled (T1-Decline) / Poor control (Decline) / With alcohol use (Decline)

NLG- Decline if diagnosed within the last year.

Assurity- Central or mixed sleep apnea (Decline) / Obstructive sleep apnea without post treatment polysomnogram documenting therapeutic effectivness (Decline) / Mild: Untreated (Decline) / Treated with CPAP or NCPAP, cood response: 0-2yr (T3) / 2-5yr (T2) / 5-7yr (0-T2) / Moderate: Untreated (Decline) / CPAP or NCPAP 0-3yr (T3-T4) / 3-6yr (T3-T4) / 6-10yr (0-T4) / 10yr (IC) / Severe (Decline) / Non Compliant with treatment (Decline) / W/Cardiac disease, Chronic Lung Disease, alcohol abuse, prior motor vehicle accident or diabetes (Decline)

NLG- Decline if in combination with COPD

Assurity- Over age 10: No symptoms (0-T2) / with symptoms such as paraplegia, bowel or bladder impairments (T4-Decline)

Assurity- Single attack, complete recovery, no other ratable impairment, back to work full-time, no chronic Coumadin therapy. To age 55: 0-1yr (PP) / 1-5yr (T6-Decline) / 5yr and up(T4) / ADL’s affected (Decline) / Age 56 and up: Same as above but reduce 1 table / Current smoker (Decline) / With Diabetes, Hypertension, Cardiocascular or Renal disease (Decline) / Multiple attacks (Decline)

NLG- decline within one year ow with history of diabetes or cardiac history

NLG- Decline if attempt in last year or more than one attempt within last two years.

Wait until surgery is completed, if not then decline.

Foresters –  Between 1 and 5 years is table F (+150) for your term.

Assurity- To age 55, single attack, no remaining impairments: 6mo-4yr (T4-T6) / 4yr+ (T2-T4) / Multiple attacks (IC) / Over 55: Rate as stroke / With Diabetes, Cardiovascular or rental disease, ratable hypertension (Decline) / Smoker (Add 2-4 tables)

Assurity- Single episode, no hemorrhage within 1 year (0-T2) / More that one episode, list within 1 year (T2-T4) / With hemorrhage within 1 year (T4+)