Final Expense Health Reference Guide

Direct Express:
Transamerica
Corebridge
Security National Life
SBLI

Chime:
Liberty Bankers Life – Pays as earned
Mutual of Omaha—They say they will take some and not others, but they don’t explain why. If they approve it, they pay in advance.
Transamerica – Not accepted
American Home Life – Accepted and paid an advance.

Credit Card:
SBLI
Ladder Life
Security National
Corebridge

AHL (Guidestar)- Graded

AHL (Patriot) Decline if currently.

Foresters- Decline if they currently need assistance. Preferred if not currently needing assistance.

Royal Neighbors of America – Decline if current

Transamerica- Decline if less than 2 years ago.

Sentinel- Decline if currently in need

American Amicable- Level

Foresters- Preferred

Royal Neighbors- Level

AHL (Guidestar) – Level

Liberty Bankers Life- Standard

United Home Life- Level if over 2 years ago

Transamerica- Less than 2 years ago decline. 2-5 years is Standard. Years 5+ Preferred

Guaranteed Issue

Unite Home Life- Express Issue Whole Life

Royal Neighbors- Level if over 2 years ago. Graded if less than 2 years ago.

Royal Neighbors- If recommended by a doctor in the last 18 months decline.

AHL (Guidestar) – Level if over 24 months since last treatment / Graded if less than 24 months.

AHL (Patriot) – Modified if the last treatment was under 24 months ago. Not asked on the application if over 24 months ago.

Eagle Premier- Decline if under 2 years ago. If over 2 years ago not a problem

American Amicable- Modified if under 2 years ago. If over 2 years ago Level

Mutual Of Omaha- Graded if under 2 years ago. If over 2 years ago is Level

Foresters- Modified if under 2 years. Years 2+ are Preferred

Unite Home Life- Within 2 years express issue. If over 2 years ago Premier

Baltimore Life- SG2

Transamerica- Less than 2 years decline. Years 2-5 Graded. Years 5+ Preferred

Guaranteed issue if diagnosed less than 2 years ago

If Due To Disease

Security National – Modified

United Home Life- Not asked on the application

AHL (Guidestar) – Decline if due to Diabetes.

New Bridge – Decline

AHL (Patriot) –  Decline

LBL is a decline if due to diabetes

Sentinel- If treated or diagnosed under 24 months ago Vantage 2

Americo Eagle if over 2 years

Baltimore Life- SG2

Transamerica Express or Immediate – Decline if ever

If it’s due to an accident:

American Amicable Level

Americo Eagle Level

AHL (Guidestar) Level if the client can do all ADL’s

Foresters  Level

Baltimore Life- SG1

Liberty Bankers  Level

Transamerica Level

Royal Neighbors Level

Americo Eagle- Level with no complications

Mutual Of Omaha- Not asked on the application

AHL (Guidestar) – Level if no treatment within the last 24 months, Graded if treated within the last 24 months. Decline if combined with Diabetes

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

Aetna / CVS- Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

Transamerica- Less than 2 years is a decline. 2-3 years goes graded if corrected with surgery. Over 3 years ago is Preferred

Royal Neighbors- Level over 18 months. Decline if under 18 months

American Amicable- Modified if less than 2 years ago. 2-3 years ago graded. Over 3 years ago is level

Foresters- Level if over 2 years ago. ROP if within 2 years ago or not repaired

Baltimore Life- SG2

United Home Life- Over 2 years ago Premier

Liberty Bankers Life- Over 2 years ago Preferred

Sentinel- If treated or diagnosed 0-24 months ago Vantage 3 if 24-60 months ago Vantage 2

Mutual of Omaha – Not asked on the application and could qualify for Level, depends of RX.

Aetna / CVS- Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

AHL (Guidestar) – Decline if the client has diabetes. Graded if the occurrence or treated by “Nitros” or Isosorbide within 24 months. Level if occurrence and last nitro use more than 24 months ago

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

Americo Eagle– Over 1 year ago

Foresters- Less than 1 year ago is modified, Over 1 year is Standard, Over 2 years is Preferred (All diagnosed or taken medication for)

American Amicable– Less than 2 years ago modified. 2-3 years graded. Over 3 years ago is level

New Bridge – <12 months is decline. 1 – 2 years is Modified. Over 2 years is Standard

Transamerica– Under 1 year is Graded, 1-2 years is Standard, over 2 years is Preferred

RNA– Within 18 months ago, Decline. 18-24 months is Graded. Over 2 years ago is Level.

UHL– 1-2 years is deluxe. Over 2 years ago Premier

Liberty Bankers Life– 0-2 year is Modified, Preferred if over 2 years ago

Baltimore Life– Over 2 YEARS SG1. Under 2 years ago SG2

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

Foresters– LEVEL IF OVER 2 YEARS

Americo Eagle– OVER 1 YEAR IMMEDIATE

RNA– LEVEL OVER 2/GRADED WITHIN 18 MONTHS/DECLINE LESS THAN 18 MONTHS

AHL (Guidestar) – Decline if circulatory surgery and diabetes. Graded if surgery within 24 months and no diabetes. Level if surgery more than 24 months ago and no Diabetes.

AMAM Modified < 2 years ago/ 2-3 years is graded and > 3 years is level

New Bridge <12 months is a decline, 1 – 5 years is Modified, Over 5 years is Standard

UHL– PREMIER OVER 2 YEARS/ EXPRESS OVER 1 YEAR

American Amicable– LESS THAN 2 YEARS MODIFIED/2-3 YEARS GRADED/OVER 3 YEARS IS Level

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

Transamerica– Decline if ever

American Amicable – Level

AHL (Guidestar) – Level

Eagle Premier – Level

Foresters – Level

RNA is level

Royal Neighbors of America is level

Americo Eagle Premier is level

AHL (Guidestar)- Graded

Foresters- Decline if current. Preferred if not current.

Transamerica– Not asked if over the age of 44. (Ages 6-44 Smoker) Mild/Seasonal is Preferred, moderate is Standard, all others Graded. (Ages 6-44 Non Smoker) Preferred for Mild, Moderate and Seasonal

AMAM- Level if not prescribed Spiriva

AHL (Guidestar) – Level

Aetna- Considered Chronic Lung Disease, Apply For Standard Coverage.

Liberty Bankers Life– Not Asked

Security National – Preferred

RNA is level if not prescribed Spiriva

Americo Eagle is level

Foresters- Level

UHL–Premier

Sentinel- If if chronic and treated or diagnosed within 60 months Vantage 2

AHL (Guidestar) – Level

United Home Life- Premier

Transamerica- Under age 6 is a decline. Over 6 if mild is Preferred any other is declined.

Guaranteed Issue

Foresters- Friend not allowed

Americo Eagle- Level

American Amicable- Level

AHL (Guidestar) – Level

Foresters- Not Asked

Royal Neighbors- Diagnosed > 1 year ago is level / Under 1 year is Graded

Liberty Bankers Life- Not Asked

New Bridge – Ever is Modified

Transamerica- Preferred for 1 med or less. 1-2 medication if missing more that 2 weeks loss of work/school is Standard. Graded if disabled and controlled for over 2 years. All other is a decline

United Home Life– Express issue Deluxe (Immediate)

AHL (Guidestar) – Decline if the outcome is unknown. Graded if within 36 months and Level over 36 months.

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

Americo Eagle- Level

Foresters- Not Asked

Royal Neighbors- Level

Transamerica- Not Asked

Aetna / CVS- Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

United Home Life- Premier if over 2 years ago

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

Royal Neighbors- Level

Foresters- Preferred, Standard if chronic

Liberty Bankers- Standard if chronic

New Bridge – Chronic is Standard

Aetna / CVS- Standard if Chronic

Transamerica is Standard

AHL (Guidestar) – Over 36 months since diagnosis or treatment is level, under 36 months is graded.

AHL (Patriot) – If ever treated or diagnosed, standard. (Chronic Only)

AMAM is level if . 3 years ago and no Spiriva or Breo

United Home Life- Express Issue

Sentinel- If chronic and treated or diagnosed within 60 months Vantage 2

Americo Eagle is level if over 1 year ago

Transamerica < 1 year ago graded, 1-2 years ago standard, > 2 years ago preferred

AHL (Guidestar) – Level is diagnosed or last treated over 24 months ago, graded if less than 24 months.

United Home Life- Less than 2 years ago Express. Over 2 years ago Premier

Royal Neighbors- less than 18 months ago decline. 18-24 months ago graded. Over 2 years ago level

Foresters- Less than 1 year ago is Prime. 1-2 years is Standard. Years 2+ is Preferred

Baltimore Life- Less than 2 years ago SG2. Over 2 years ago SG1

Liberty Bankers Life- Over 2 years ago Preferred

New Bridge – <12 monts is a decline. 1 – 5 year is Modified. Over 5 years is Standard.

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

Current 

Guarantee Issue

AHL (Guidestar) – Basil does not count. Decline if current metastatic (“Stage 2, 3 or 4”). Graded if diagnosis or treatment (“Stage 1” Cancer only) within 36 months.

Previous

Security National – Over 90 days cancer-free is Modified, Over 2 years is Preferred

Royal Neighbors- 2-5 years clear is Graded / 5+ years ago is Standard / More than 1 occurrence is Guaranteed Issue

New Bridge – Cleared under 12 months is a Decline. 1 – 2 years is Modified. Over 2 years is Standard. Multiple types or occurrences are a decline.

Americo Eagle- 2 or more types or recurring is a decline. Over 2 years is Level.

AHL (Guidestar) –  Level if diagnosis or treatment over 36 months ago. Preventive drugs Tamoxifen, Arimidex, Letrozole, and Anastrozole are considered preventative (Level). Lymph Nodes If removed & not cancerous, ok to proceed. If removed & cancerous, decline due to metastatic. If removed don’t know if cancerous, requires APS. Two or more instances of cancer is also a decline.

AHL (Patriot) – Multiple occurrences will be a decline. More than 24 months will not be asked on the application.

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

American Amicable < 2 years ago modified / 2-3 years ago graded / > 3 years ago is level

Transamerica Express – Last treatment 2-4 years ago is Graded, treatment over 4 years ago is Select
Transamerica Immediate – Graded if within the last 4 years. Preferred if over 4 years ago

Liberty Bankers Life- Level if over 2 years ago

United Home Life- Less than 2 years ago Express Issue. Express issue premier if over 2 years ago

Baltimore Life– SG1 if over 2 years ago. Less than 2 years ago SG2

FORESTERS- Level if over 3 years ago and only one occurrence (Excludes Basal)

MOO- Level if over 4 years ago

Lifeshield – Decline if ever

Aetna / CVS- Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

AHL (Guidestar) – Graded if diagnosis or treatment (“Nitros” or other emergency meds/procedures) within 24 months. Level if diagnosis and treatment more than 24 months ago.

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

AMAM < 2 years ago Modified / > 2 years ago is level

RNA < 18 months ago is decline / 18 – 24 months is graded / > 2 years is level

Transamerica < 1 year ago is graded / 1-2 years is standard / > 2 years is preferred

Foresters is level if over 2 years ago

New Bridge – Decline if ever

Sentinel- If treated or diagnosed 0-24 months ago Vantage 3 if 24-60 months ago Vantage 2

SEE MULTIPLE SCLEROSIS

AHL (Guidestar) – Level or Graded if needs assistance with ADL’s

AHL (Patriot) – Decline

Eagle Premier – Level

RNA is level

Foresters is level

LBL is preferred

New Bridge – Modified if ever.

UHL is express issue

AMAM is graded if diagnosed or hospitalized in the last 3 years

Eagle Premier if over 1 year ago

AHL (Guidestar) – Decline if circulatory surgery and diabetes. Graded if surgery within 24 months and no diabetes. Level if surgery more than 24 months ago and no Diabetes.

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

AMAM < 2 years is modified / 2 – 3 years is graded / > 3 years is level

RNA < 18 months decline / 18 – 24 months graded/ > 2 years is level

Foresters- Under 1 year is Standard, Over 1 year is Standard, Over 2 years is Preferred

UHL < 2 years is express issue / > 2 years is premier

FORESTERS – Standard

UHL– EIWL

LBL – Standard

BALT LIFE – SG2 LESS THAN 2 YEARS. SG1 OVER 2 YEARS

AMAM– Diagnosed or treated less than 2 years ago is modified. 2-3 is graded, and anything over 3 years old is considered level.

SENTINEL–NEW VANTAGE 2 (30%/70%TRUE GRADED)

Transamerica Express – Graded

Transamerica Immediate – Graded

New Bridge – Decline

RNA –  Guaranteed Issue

CICA – Guaranteed Issue

Mutual of Omaha – Decline

Lifeshield – Decline

SBLI – Decline

AHL (Patriot) – Decline

Transamerica – Select if using the Express product. If using the traditional final expense (easy solution) product, it will be considered graded.

United Home Life– No medication or treatment for over 2 years is Express Issue Premier (Level). Medication for preventative or maintenance is Express Issue Deluxe (Graded).

Sentinel- If treated or diagnosed 0-24 months ago Vantage 3 if 24-60 months ago Vantage 2

Security National Life – Modified

Transamerica- Decline

American Amicable- Decline if ever

Liberty Bankers Life- Decline if ever

Lifeshield- Decline if ever

RNA- Decline if ever

Mutual of Omaha- Decline if ever

AHL (Patriot)- Decline if ever

RNA- Level If Diagnosed Over 2 Years Ago / Decline If Less Than 2 Years

Security National – Modified

AHL (Guidestar) – Level if diagnosis more than 24 months ago and no treatment. Graded if diagnosis less than 24 months ago or prescription/use of inhaler any time after diagnosis. Inhaler considered treatment.

AHL (Patriot) – If ever treated or diagnosed, standard.

Aetna/CVS- Standard

Liberty Bankers Life- Standard

New Bridge – Standard if non-smoker, Decline if a smoker.

Foresters- Standard

Transamerica- Standard

AMAM can go level if diagnosed > 3 years ago and not taking Spiriva or Breo

Baltimore Life– SG2

UHL is graded express issue

LIFESHIELD– COPD NON-SMOKER GRADED (BEST PRICE OF ALL)

SENTINEL–NEW VANTAGE 2 (30%/70%TRUE GRADED)

Sentinel- If treated or diagnosed under 60 months ago Vantage 3

Americo Eagle is level

RNA is level

Mutual Of Omaha is level

New Bridge – Decline if ever.

FORESTERS is level

Transamerica is decline with Rx

UHL is express issue if < 2 years

Sentinel- Decline if diagnosed under the age of 25

AHL (Guidestar) – Decline – Average life expectancy is 38 and product begins at age 45.

AHL (Patriot) – Decline

Doesn’t matter any more, just apply at another carrier

AMAM–LEVEL UNLESS INSERTED IN THE LAST 2 YEARS

EAGLE–LEVEL OVER 1

RNA–LEVEL OVER 2/GRADED OVER 18 MONTHS/DECLINE UNDER 18 MONTHS

New Bridge – Decline  if ever

TRANS–LEVEL AFTER 2 YEARS

FORESTERS– Under 1 year is Standard, Over 1 year is Standard, Over 2 years is Preferred

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

AHL (Patriot) – Delcine if ever

AHL (Guidestar) – Level

New Bridge – Preferred

RNA is level Preferred or Standard)

Transamerica is preferred (45-85)

LBL does not ask

Foresters is level

UHL is premier if not on disability

Americo- Level

Sentinel- If manic and treated or diagnosed under 24 months ago Vantage 3

No Complications 

AHL (Guidestar)- Level if A1C is under 10.0 and blood sugar is under 200. Graded if not. Decline if diabetic and with a history of heart attack, artery bypass, stent, angina, amputation, TIA or stroke.

Aetna- Preferred If Insulin Started After The Age Of 25, Standard If Before 25.

AMAM– INSULIN BEFORE 50 IS MODIFIED. After 50 is level

RNA- Preferred if no insulin / Standard if insulin is used

FORESTERS– LEVEL (DOES ASK WHEN INSULIN STARTED)

TRANS– Preferred on pills or Standard if on Insulin

LIBERTY BANKERS LIFE– Level If Insulin Was Prescribed After The Age Of 25. Standard If Prescribed Before the Age Of 25 As Long As They Were Not Diagnosed Before The Age Of 9.

MOO– Level if on pills or Insulin after the age of 50

New Bridge – Insulin prior to age 40 is Standard, after the age of 40 is Preferred.

Security National – No complications (Neuropathy OK), Insulin prescribed over the age of 40 all preferred.

Baltimore Life– Insulin is  SG2. PILL IS SG1

UHL–INSULIN IS DELUXE, PILL IS Premier. COMBINED INSULIN/HEART IS DELUXE (DOESN’T ASK AGE INSULIN STARTED)

Eagle Premier is level

Complications (Neuropathy)

TRANS– LEVEL (INSULIN IS STANDARD)

New Bridge – Preferred for both retinopathy and neuropathy.

Security National – Other than Neuropathy is Modified

AHL (Guidestar)- Graded if A1C is over 10.0 or blood sugar is over 200 or if insulin shock or diabetic coma in the last 6 months. Decline if diabetic and with a history of heart attack, artery bypass, stent, angina, amputation, TIA or stroke.

RNA- Graded

AMAM is modified

LBL- Modified

Foresters is level if > 2 years

SENTINEL–NEW VANTAGE 2 (30%/70%TRUE GRADED) if using more than 50 units daily

AHL (Guidestar) – If a Diabetic Coma occurred within the last 6 months, we will consider the applicant’s Diabetes out of control, and they will answer question 6 “yes” and get Graded. If a Diabetic Coma occurred over 6 months ago, the applicant will be Level.

AHL (Patriot) – Less than 2 years ago Modified. Over 2 years ago is not asked

Foresters-Less than 2 years ago Modified. Over 2 years ago is not asked

LIBERTY BANKERS LIFE-Less than 2 years ago Modified. Over 2 years ago Level

Baltimore Life–SG2 IF LESS THAN 2 YEARS AGO. SG1 IF OVER 2 YEARS

New Bridge – Decline if ever

UHL–DELUXE IF INSULIN

Sentinel- If treated or diagnosed under 24 months ago Vantage 2

Transamerica – Express Solution product will go graded if within the last 12 months and select after 12 months.

United Home Life- Only asks about currently

Guaranteed Issue if currently on Dialysis and diagnosed < 2 years ago

Americo Eagle

Liberty Bankers Life

United Home Life

American Amicable- Great grandchild rider as well

Mutual Of Omaha

Sentinel on New Vantage 1

American Amicable – Level

AHL (Guidestar) – Level

Royal Neighbors- Level

Liberty Bankers Life- Preferred

United Home Life- Deluxe if under 65. Premier if over 65

Baltimore Life- SG1

AMAM – Level

AHL (Guidestar) – Level

AHL (Patriot) – Any DUI under 24 months ago is modified.

Americo Eagle- Level

Liberty Bankers if > 2 years preferred

Baltimore Life- SG1

United Home Life- Over 2 years is Premier

Transamerica- Less than 1 year ROP. 1-2 years Standard. 2 years plus Preferred

AHL (Guidestar) – Graded if treatment or counseling in the last 24 months or emergency overdose medication taken or administered within 24 months or on going abuse within 24 months.

AHL (Patriot) – Modified if under 24 months since last treatment.

Americo Eagle- Under 1-year decline. Over 1 year level

Royal Neighbors- Under 18 months decline if recommended by a doctor

United Home Life- Under 1 year decline

AMAM is level if > 2 years

Liberty Bankers Life- Preferred if over 2 years

Baltimore Life- SG2

Sentinel- Level of over 24 months and New Vantage 3 if under

LBL–Standard

Foresters- Standard

Transamerica – Standard

AHL (Guidestar) – Level if diagnosis more than 24 months ago and no treatment. Graded if diagnosis less than 24 months ago or prescription/use of inhaler any time after diagnosis. Inhaler considered treatment.

AHL (Patriot) – If ever treated or diagnosed, standard.

RNA if treated or diagnosed < 2 years ago is graded / > 2 years is level

Security National – Modified

New Bridge – Chronic is Standard

BALT LIFE–SG2

Sentinel- If treated or diagnosed within 60 months Vantage 2

UHL–Graded

AMERICO–Guaranteed Issue

Security National – Modified

See Seizures

Americo Eagle- Level

American Amicable-Level

Royal Neighbors- Level

Transamerica- Level

AHL (Guidestar) – Under 36 months since convicted or if still on probation or parole is a decline. Over 36 months is level

UHL– PAST 10 YRS CONVICTED, ON PAROLE, AWAITING TRIAL…ROP. Otherwise, It’s Premier

LBL– Preferred If Not In The Past 2 Years

New Bridge – <24 months is decline. Over 2 years is Preferred.

Aetna / CVS- Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

Americo EAGLE–LEVEL OVER 1 YEAR

AMAM–LESS THAN 2 YEARS MODIFIED/2-3 YEARS GRADED/OVER 3 YEARS IS LEVEL

AHL (Guidestar) – Decline if heart attack (ever) and Diabetes. Graded if occurrence less than 24 months ago or Nitro/Isosorbide use within 24 months. Level if occurrence or Nitro/ Isosorbide use more than 24 months ago. Also Level if event and Nitro/Isosorbide treatment more than 24 months ago and taking a blood thinner.

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

LBL–PREF IF OVER 2 YEARS

New Bridge – Less than 24 months is Modified, 25 – 48 months is Standard, and over 48 months is Preferred.

RNA–18-24 MONTHS GRADED/OVER 2 YEARS LEVEL

UHL–OVER 2 YEARS PREMIER

BALT LIFE–SG2

MOO–WITHIN 2 YEARS GRADED

LIFESHIELD–OVER 36 MONTHS LEVEL

FORESTERS–Less than 1 year Prime, 1-2 years is Standard, 2+ is Preferred

New Bridge – < 12 months is decline. 1 – 2 years is Modified. 2 – 5 years Standard. Over 5 years ago Preferred.

Transamerica – Express Product – Select if within the last 12 months.

Sentinel- If treated or diagnosed 0-24 months ago Vantage 3 if 24-60 months ago Vantage 2

Security National – Over 2 years preferred / Under 2 years is Modified

AMAM< 2 years modified / 2-3 years graded / < 3 years is level

AHL (Guidestar) – Decline with Diabetes. Graded if surgery within 24 months. Level if surgery more than 24 months ago.

UHL–Modified if under 24 months ago

Foresters- Prime if less than 1 year ago. 1-2 years ago is Standard. 2+ years is Preferred

MOO–WITHIN 1 YEAR DECLINE

Sentinel- If treated or diagnosed 0-24 months ago Vantage 3 if 24-60 months ago Vantage 2

Eagle Premier is level if > 1 year

RNA–LEVEL OVER 2/GRADED WITHIN 18 MONTHS

AMAM < 2 years modified / 2-3 years graded /  > 3 years is level

UHL >2 years is premier

New Bridge – <12 months is a decline. 1 – 5 years is Modified. Over 5 years is Standard.

Foresters if level > 2 years ago

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

No Build Chart

Royal Neighbors of America (Standard and Below Ratings)

Aetna-CVS

United Home Life Express Issue Graded

Royal Neighbors – Standard for B and C

Foresters- Standard if B/C, A is Preferred

AHL (Guidestar) – Decline if the disease has caused liver failure. Graded if diagnosis or treatment is within 24 months. Level, if diagnosis or treatment was more than 24 months ago.

AMAM < 2 years modified / 2-3 years graded / > 3 years level

Transamerica Express – B or C treated within 2 years is Select.
Transamerica Immediate – A or B diagnosed within 1 year is Graded, within 2 years is Standard, if treated and resolved over 2 years is Preferred. Hep C if treated under 24 months is Graded, over is Standard.

UHL–B OR C WITHIN 24 MONTHS IS EXPRESS ISSUE

LBL is standard if treated/resolved. Decline if untreated

Americo Eagle– Decline unless Hepatitis A

New Bridge – Chronic if ever is Standard, it does not say based on type.

MOO Graded if ever Hep C, Level if A or B.

Security National – A is Preferred / B&C is Modified if treatment was less than 2 years ago, and preferred if it was over 2 years ago.

Lifeshield – Decline if ever

Royal Neighbors- Level

AMAM only asks currently

LBL < 1 year decline / > 1 year is level

Baltimore Life- SG1

AMAM only asks if currently

AHL (Guidestar) – Current is a decline, any other is not asked.

Eagle Premier is level

RNA is level

Foresters is level unless more than 48 hours or more for Diabetes if so then modified

UHL–Decline if 2 or more times within the last 12 months unless minor issues

Sentinel- Decline if within 3 months

AMAM is level

RNA is level

Foresters is level

New Bridge – Ever is a decline.

UHL is premier

Sentinel- Decline if diagnosed before the age of 25

AHL (Patriot) is a decline if ever

AHL (Guidestar) – Level

Transamerica is standard

RNA is level

LBL is standard

Foresters is level

BALT LIFE–SG2

UHL–W/IN 2 YEARS EXPRESS ISSUE

Foresters- Standard even if chronic

AHL (Guidestar) – Decline with Diabetes. Decline if requires Dialysis. Graded if diagnosis or treatment within 24 months. Level if diagnosis and last treatment more than 24 months ago.

AHL (Patriot) – Modified

RNA < 2 years is decline / > 2 years is level

New Bridge – Chronic is Standard.

UHL < 2 years is graded / > 2 years is preferred

Transamerica < 4 years is standard / > 4 years is preferred

AMAM is modified

MOO < 4 years is graded / > 4 years is level

Liberty Bankers Life is decline if ever

SENTINEL–NEW VANTAGE 2 (30%/70%TRUE GRADED)

Security National – Kidney Failure and Chronic Kidney Disease is Modified / Dialysis and Polycystic Kidney Disease is a Decline

Transamerica is preferred

LBL–Standard (SYSTEMIC)

Aetna / CVS is standard if ever

AHL (Guidestar) – Graded if treatment or diagnosis within 24 months.

AHL (Patriot) – If ever treated or diagnosed, standard.

AMAM <2 years is modified / >2 years is level

Foresters- Standard

UHL–DELUX

SENTINEL–NEW VANTAGE 2 (30%/70%TRUE GRADED)

New Bridge – Systemic is Modified if ever.

Royal Neighbors- Guaranteed Issue If Systemic

AHL (Guidestar) – Level, Graded or Decline, Depends on self-sufficiency or any health conditions

Baltimore Life- SG2

Royal Neighbors of America- Standard

Foresters- Level

Transamerica (STANDARD FOR MS/DECLINE FOR CEREBRAL PALSY)

Aetna / CVS- Standard

AHL (Guidestar) – Decline if home health care. Graded if treatment or diagnosis within 24 months

AHL (Patriot) – If ever treated or diagnosed, standard.

AMAM–GRADED (30/70/100)

UHL–GRADED/MS OVER 2 YEARS W/NO MEDS IS IMMEDIATE

Liberty Bankers Life – Decline

New Bridge – Modified if ever.

UHL is express issue

Foresters is level

TRANS–WITHIN 1 YEAR ROP…1+PREFERRED

RNA–WITHIN 2 YEARS GRADED/OVER 2 LEVEL

AHL (Guidestar) – Decline if using home health care. Graded if the applicant is unable to independently perform ADLs. Level is self-sufficient.

AHL (Patriot) – Decline

AMAM–GRADED (30/70)

New Bridge – Decline if Ever.

AMAM is level

Liberty Bankers Life does not ask

Transamerica- PREFERRED (STANDARD IF INSULIN)

AHL (Guidestar)- Level if A1C is under 10.0 and blood sugar is under 200. Graded if not. Decline if diabetic and with a history of heart attack, artery bypass, stent, angina, amputation, TIA, or stroke.

AHL (Patriot) – Modified

RNA- Graded if it’s being treated / If no treatment for over 24 months then level

UHL- Express Issue

AMAM- Modified if it’s being treated / If no treatment for over 24 months then level

Foresters- Modified if it’s being treated / If no treatment for over 24 months then level

LBL- Modified if it’s being treated / If no treatment for over 24 months then level

Lifeshield is a decline

Sentinel- Graded if it’s being treated / If no treatment for over 24 months then level

Guaranteed Issue

Guarantee issue only if actual oxygen tank. Do not confuse this for a Nebulizer or CPAP!

FORESTERS–Level if used at night for Sleep Apnea

Sentinel- If treated or diagnosed within 60 months Vantage 2

Eagle Premier – Level

Royal Neighbors Of America – Level

Foresters–Level

AHL (Guidestar) – Level

United Home Life – PREMIER

New Bridge – Decline if ever.

AMAM < 2 years is modified / > 2 years is level

Royal Neighbors- Standard

Liberty Bankers Life- Standard

Transamerica- Standard

AHL (Guidestar) – Graded if treatment or diagnosis is within 24 months.

AHL (Patriot) – If ever treated or diagnosed, standard.

Aetna / CVS- Standard

AMAM- Graded

New Bridge – Modified if ever.

Foresters – Standard

BALT LIFE–SG2

UHL–EXPRESS

SENTINEL–NEW VANTAGE 2 (30%/70%TRUE GRADED)

Americo Eagle Premier > 1 year inserted is immediate

AHL (Guidestar) – Decline if the applicant has pacemaker and a defibrillator. Level if just a pacemaker. Time period is since pacemaker inserted does not have to be greater than 24 months; no time period requirement. Routine battery change is considered maintenance and Level.

AMAM is level if > 2 years

Foresters- Under 1 year is Basic, Over 1 year is Standard, Over 2 years is Preferred

Transamerica < 1 year is graded / > 1 year is standard

RNA is decline for , 18 months / 18 – 24 months is graded / > 24 months is level

LBL is preferred if > 2 years

BALT LIFE–SG2

New Bridge – ,12 months is a decline. 1 – 5 years is Modified. Over 5 years is Standard.

UHL–OVER 2 YEARS PREMIER

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

AMAM if pending hospitalization modified, does not ask about surgery

UHL is express issue

RNA–LEVEL OVER 18 MONTHS

American Amicable- Level

AHL (Guidestar) – Level

AHL (Patriot) – Modified

Royal Neighbors – Level

AMAM- Level

Royal Neighbors- Diagnosed > 1 year is Standard / < 1 year is Graded

Americo- Level

AHL (Guidestar) – Level

LBL Decline if treated within the last 24 months

New Bridge – Decline

Transamerica- Preferred

UHL–DELUXE (IMMEDIATE)

Foresters is level

Sentinel- If treated or diagnosed under 24 months ago Vantage 3

AHL (Guidestar) – Graded if Seizure within the last 30 days or more than
one in the last 12 months

Security National – Over 90 Days without a seizure, Preferred / Under 90 days is a decline

Liberty Bankers Life – Standard

Mutual Of Omaha is not asked

Foresters is level

Royal Neighbors–GRADED WITHIN 2 YEARS/LEVEL OVER 2

TRANS–IF MORE THAN 12 SEIZURES IN THE LAST 24 MONTHS, STANDARD. LESS THAN 12 SEIZURES IN THE LAST 24 MONTHS IS PREFERRED

United Home Life– PREMIER IF NO SEIZURE IN PAST 2 YEARS

AMAM–GRADED (30/70)

AMAM – Level

FORESTERS – Level

AHL (Guidestar) – Level

AHL (Patriot) – Decline

LIBERTY BANKERS LIFE (MODIFIED IF WITHIN PAST 2 YEARS) PREF IF OVER 2 YEARS

BALT LIFE– SG2

UHL- EXPRESS

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

Royal Neighbors- Guaranteed Issue

Single Pay

Royal Neighbors ($21,551.72-$431,034.48)

Baltimore Life (Can Not Be Less Than $5,000 Premium)

Americo Lifetime Legacy (Can Not Be Less Thank $5,000 Premium)

Sentinel

Liberty Bankers Life (Min $20,000 face)

10-20 PAY

Transamerica – 10Pay

Sentinel Life- 10 pay, 20 pay, paid-up at 65 and paid-up at 85

AMAM is level

AHL (Guidestart) – Level

Royal Neighbors – Level

Transamerica – Standard

Liberty Bankers Life – Level

Foresters – Preferred (C-PAP IS NOT CONSIDERED OXYGEN)

UHL – PREMIER

BALT – SG1

AMAM – Level

AHL (Guidestar) – Level

Royal Neighbors – Level

Foresters – Level

UHL–EXPRESS

Sentinel- Decline if diagnosed under the age of 25

AHL (Guidestar) – Level if over 24 months ago / Graded if treated or diagnosed under 24 months ago.

Transamerica <1 year ROP / 1-2 standard / > 2 preferred

AMAM < 2 years modified / 2-3 years is graded / > 3 years is level

Royal Neighbors of America < 18 months is decline /18-36 months graded / > 36 months ago is level

UHL–1 YEAR DECLINE…1-2 IS ROP…OVER 2 PREMIER

Foresters – Leviel if over 2 years, R.O.P if less than 2 years

Liberty Bankers Life – Prefered if over 2 years ago

Sentinel- If treated or diagnosed 36 months ago Vantage 3 if 36-60 months ago Vantage 2

0-12 Months

Royal Neighbors- Graded

AMAM is modified

AHL (Guidestar) – Graded

AHL (Patriot) – Modified

Aetna / CVS- Modified

Baltimore Life- Less than 2 years SG2.

United Home Life- Modified

Foresters- Modified

Sentinel- If treated or diagnosed under 24 months ago Vantage 2

12-24 Months

Royal Neighbors- Standard

Aetna / CVS-  Standard

AHL (Guidestar) – Graded

AHL (Patriot) – Standard

Foresters- Standard

Transamerica- Standard

United Home Life is express issue

AMAM is modified

Over 24 Months

AHL (Guidestar) – Level

AHL (Patriot)- Level

Royal Neighbors of America – Level

Aetna / CVS- Preferred

Transamerica is preferred

Foresters- Preferred

Liberty Bankers- Level

Baltimore Life- SG1

United Home Life- Premier

American Amicable- Graded. Over 3 years level

Sentinel- 24-60 months ago Vantage 2

New Bridge – <12 is decline, 1 – 2 is Modified, Over 2 years is Standard.

Most carriers except Lifeshield.

Voice Signature Options

SBLI
American Amicable
Foresters
Security National

Royal Neighbors doesn’t ask

AHL (Guidestar) – Decline if TIA (ever) and Diabetes. Graded if occurrence or treatment within 24 months (if no Diabetes). Level if occurrence or treatment more than 24 months ago (if no Diabetes).

AHL (Patriot) – Less than 1 year Modified, 1- 2 years Standard, over 2 years Preferred

AMAM < 2 years is modified / 2-3 years is graded / > 3 years is level

New Bridge – <12 is a decline. 1 – 2 is Modified. 2 – 5 is Standard. Over 5 years is Preferred.

Foresters – Level if over 2 years ago

UHL– PREMIER OVER 2 YEARS/EXPRESS LESS THAN 2

Sentinel- If treated or diagnosed 0-24 months ago Vantage 3 if 24-60 months ago Vantage 2

Royal Neighbors

Liberty Bankers Life

Transamerica

American Amicable- Low smoker rates

New Bridge – Last 12 months is Standard Tobaco, 1 – 2 years is Standard, Over 2 years is Preferred.

AHL (Guidestar) – Level

Royal Neighbors of America – Level

Foresters – Level

AMAM < 3 years ago is graded / > 3 years is level

AMAM-Level

Foresters – Level

Transamerica – Preferred

Royal Neighbors – Level

Liberty Bankers Life – Prefered if not used within the last 2 years. If due to accident then Level

UHL– DELUXE

AHL (Guidestar) – Level

New Bridge – Scooter or Walker if confined is a decline.

WHEELCHAIR: NOT CONFINED

AMAM-LEVEL WHEELCHAIR

AHL (Guidestar) – Level

TRANS–LEVEL (IF TEMPORARY)

Royal Neighbors- Level

Foresters – Decline if due to disease

Liberty Bankers Life– Decline if due to disease. Due to an accident,is Level

United Home Life – Not asked

Wheel Chair: Confined

United Home Life– Not Asked

AHL (Guidestar)- Graded

AHL (Patriot) – Decline

AMAM–Level If Due To Accident / Decline If Due To Disease

Royal Neighbors- Guaranteed Issue

Liberty Bankers Life–Level If Due To Accident / Modified If Due To Disease

BALT LIFE– Level If Due To Accident / Decline If Due To Disease

FORESTERS–Level If Due To Accident / Decline If Due To Illness

Sentinel- Decline if due to a chronic illness or disease