| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | AA | AB | AC | AD | AE | AF | AG | AH | AI | AJ | AK | AL | AM | ||
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1 | NOTE: This link is updated weekly. If you download a copy, you will not have the updated version. Bookmark the link instead. #BBE #WinWithFFL 6/19 Updates: Foreign Nationals UW guidelines added to the very last row of the sheet, MOO GULE removed (discontinued product) | Americo Eagle Premier | Aetna ACCENDO PREFERRED | Aetna ACCENDO STANDARD | Aetna ACCENDO MODIFIED | Prosperity New Vista Level | Prosperity New Vista Graded | Prosperity New Vista Modified | Mutual of Omaha Living Promise Level | Mutual of Omaha Living Promise Graded | Foresters Planright Preferred | Foresters Planright Standard | Foresters Planright Basic | Foresters Advantage Plus II | American Amicable Senior Choice Immediate | American Amicable Senior Choice Graded | American Amicable Senior Choice Return of Premium | TransAmerica Immediate Solution Preferred | TransAmerica Immediate Solution Standard | TransAmerica Easy Solution | Columbian Financial Group Dignified Choice Elite | Columbian Financial Group Dignified Choice Select | Columbian Financial Group Dignified Choice Advantage | Royal Neighbors Level | Royal Neighbors Graded | NATIONAL LIFE GROUP ELITE (Non-Smokers only) | NATIONAL LIFE GROUP PREFERRED (Smokers Allowed) | NATIONAL LIFE GROUP SELECT (Non-Smokers Only) | NATIONAL LIFE GROUP STANDARD (Smokers allowed) | AIG Guaranteed Issue | ||||||||||
2 | Coverage Type | LEVEL | LEVEL | LEVEL | GRADED | LEVEL | GRADED | GRADED | LEVEL | GRADED | LEVEL | LEVEL | GRADED | LEVEL | LEVEL | GRADED | GRADED | LEVEL | LEVEL | GRADED | LEVEL | LEVEL | GRADED | LEVEL | GRADED | LEVEL | LEVEL | LEVEL | LEVEL | GRADED | ||||||||||
3 | MAX FACE AMOUNT | $40,000 | 40-55 $50,000 56-65 $40,000 66-75 $30,000 76-89 $25,000 | 40-55 $50,000 56-65 $40,000 66-75 $30,000 76-89 $25,000 | 40-75 $25,000 | $35,000 | $35,000 | $35,000 | $40,000 | $20,000 | 50-80 $35,000 81-86 $15,000 | 50-80 $20,000 81-85 $10,000 | $15,000 | 0 - 15 $150,000 16 - 55 $400,000 56 - 75 $150,000 | 50–75 $35,000 76 - 85 $20,000 | $20,000 | $20,000 | 0–55 $50,000 56–65 $40,000 66–75 $30,000 76–85 $25,000 | 0–55 $50,000 56–65 $40,000 66–75 $30,000 76–85 $25,000 | $25,000 | 18-24 $25,000 25-44 $35,000 45-80 $35,000 81-85 $25,000 min $5k in WA | 18-24 $25,000 25-44 $35,000 45-80 $35,000 81-85 $25,000 min $5k in WA | $20,000 | $30,000 | $10,000 | 18-50 $2,000,000 51-60 $1,000,000 61-65 $250,000 | 18-50 $2,000,000 51-60 $1,000,000 61-65 $250,000 | 18-50 $2,000,000 51-60 $1,000,000 61-65 $250,000 | 18-50 $2,000,000 51-60 $1,000,000 61-65 $250,000 | $5,000 - $25,000 | ||||||||||
4 | AGE RANGE | 40 - 85 | 40 - 89 | 40 - 89 | 40 - 75 | 50 - 80 | 50 - 80 | 50 - 80 | 45 - 85 | 45 - 80 | 50 - 85 | 50 - 85 | 50 - 80 | 0 - 75 | 50 - 85 | 50 - 85 | 50 - 85 | 0 - 85 | 0 - 85 | 18 - 80 NY only: 50-75 | 18 - 85 | 18 - 85 | 40 - 85 NY only: 50-75 | 50 - 75 | 50 - 75 | 18-65 | 18-65 | 18-65 | 18-65 | 50 - 80 | ||||||||||
5 | BUILD / UW GUIDE | https://drive.google.com/file/d/1_lZ8BGhYflvAxw98X_LIhbtCfJzUZ6aC/view?usp=sharing | NO BUILD CHART https://drive.google.com/file/d/1jUrFanFsdUxnTCx-5VzyKVVENDAwG_Tt/view?usp=sharing | NO BUILD CHART https://drive.google.com/file/d/1jUrFanFsdUxnTCx-5VzyKVVENDAwG_Tt/view?usp=sharing | NO BUILD CHART https://drive.google.com/file/d/1jUrFanFsdUxnTCx-5VzyKVVENDAwG_Tt/view?usp=sharing | https://drive.google.com/file/d/1OxQeatl6RVqgUVF70PGzZNR9BdePLug-/view?usp=sharing | https://drive.google.com/file/d/1OxQeatl6RVqgUVF70PGzZNR9BdePLug-/view?usp=sharing | https://drive.google.com/file/d/1OxQeatl6RVqgUVF70PGzZNR9BdePLug-/view?usp=sharing | https://drive.google.com/file/d/1cGRhnOVDt2-bncG_DuvhiGDUYiQn6yZM/view?usp=sharing | https://drive.google.com/file/d/1cGRhnOVDt2-bncG_DuvhiGDUYiQn6yZM/view?usp=sharing | https://drive.google.com/file/d/1LzNJmnRvSynCGoEOETRNocLdYVrQKZVE/view?usp=sharing | https://drive.google.com/file/d/1LzNJmnRvSynCGoEOETRNocLdYVrQKZVE/view?usp=sharing | https://drive.google.com/file/d/1LzNJmnRvSynCGoEOETRNocLdYVrQKZVE/view?usp=sharing | https://drive.google.com/file/d/1o8MZdKFDKihmGCScjdONcTZPVV5Cgbca/view?usp=sharing | https://drive.google.com/file/d/1c9D-QuvNHb_8SnBeXEqb0fG1Yoi7uHwb/view?usp=sharing | https://drive.google.com/file/d/1c9D-QuvNHb_8SnBeXEqb0fG1Yoi7uHwb/view?usp=sharing | https://drive.google.com/file/d/1c9D-QuvNHb_8SnBeXEqb0fG1Yoi7uHwb/view?usp=sharing | https://drive.google.com/file/d/1i1yC45ENs8_PbUU3Uwg5iuQN6lR_-1Ex/view?usp=sharing | https://drive.google.com/file/d/1i1yC45ENs8_PbUU3Uwg5iuQN6lR_-1Ex/view?usp=sharing | https://drive.google.com/file/d/1i1yC45ENs8_PbUU3Uwg5iuQN6lR_-1Ex/view?usp=sharing | https://drive.google.com/file/d/1FGRLKBekDxAdPjjnvscytJyTJTyXv2E3/view?usp=sharing | https://drive.google.com/file/d/1FGRLKBekDxAdPjjnvscytJyTJTyXv2E3/view?usp=sharing | https://drive.google.com/file/d/1FGRLKBekDxAdPjjnvscytJyTJTyXv2E3/view?usp=sharing | NO BUILD CHART https://drive.google.com/file/d/1JDk2_ZXuVrOz2SPFoAtwXkVNCN3h5OVy/view?usp=sharing | NO BUILD CHART https://drive.google.com/file/d/1JDk2_ZXuVrOz2SPFoAtwXkVNCN3h5OVy/view?usp=sharing | https://drive.google.com/file/d/1n0a-pUtmpthTywUY4oGMUKA1GJRJxIt0/view?usp=sharing | https://drive.google.com/file/d/1n0a-pUtmpthTywUY4oGMUKA1GJRJxIt0/view?usp=sharing | https://drive.google.com/file/d/1n0a-pUtmpthTywUY4oGMUKA1GJRJxIt0/view?usp=sharing | https://drive.google.com/file/d/1n0a-pUtmpthTywUY4oGMUKA1GJRJxIt0/view?usp=sharing | NO BUILD CHART | ||||||||||
6 | PAYMENT METHODS | ACH | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH, DEBIT CARDS, DIRECT EXPRESS | ACH, DEBIT CARDS, DIRECT EXPRESS | ACH, DEBIT CARDS, DIRECT EXPRESS | ACH, CREDIT CARD (FOR INITIAL PREMIUM), DIRECT BILLING (Quarterly, Semi -Annual, Annually) | ACH, CREDIT CARD (FOR INITIAL PREMIUM), DIRECT BILLING (Quarterly, Semi -Annual, Annually) | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH, DIRECT BILLING (Quarterly, Semi Annually, or Annually) | ACH | ACH | ACH | DIRECT EXPRESS, CREDIT/DEBIT CARD, ACH, | DIRECT EXPRESS, CREDIT/DEBIT CARD, ACH, | DIRECT EXPRESS, CREDIT/DEBIT CARD, ACH, | ACH | ACH | ACH | ACH | ACH | ACH, Direct Bill (Monthly, Quarterly, Semi Annually, Annually) | ACH, Direct Bill (Monthly, Quarterly, Semi Annually, Annually) | ACH, Direct Bill (Monthly, Quarterly, Semi Annually, Annually) | ACH, Direct Bill (Monthly, Quarterly, Semi Annually, Annually) | DIRECT EXPRESS, CREDIT CARD, ACH | ||||||||||
7 | Active Cancer (Except basal skin cancer) | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
8 | Advised to have surgery, diagnostic testing (other than routine), or other medical procedure or evaluation where the results are not known? | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | N | N | N | N | N | N | N | N | UW Guide does not specify | UW Guide does not specify | UW Guide does not specify | UW Guide does not specify | Y | ||||||||||
9 | AIDS, ARC or HIV | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
10 | Alcohol Abuse | Y IF > 2 YEARS SINCE TREATMENT | Y IF > 2 YEARS SINCE TREATMENT | Y IF > 2 YEARS SINCE TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 5 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 3 YEARS SINCE TREATMENT | Y IF > 3 YEARS SINCE TREATMENT | Y | Y IF > 18 MONTHS SINCE TREATMENT | Y IF > 18 MONTHS SINCE TREATMENT | N | Y IF > 10 YEARS SINCE DIAGNOSIS AND / OR TREATMENT | Y IF > 5 YEARS SINCE DIAGNOSIS AND / OR TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND / OR TREATMENT | Y | ||||||||||
11 | ALS (Amyotrophic Lateral Sclerosis - Lou Gehrigs Disease) | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | N | N | N | N | Y | ||||||||||
12 | Alzheimer's or Dementia | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
13 | Amputation due to Disease (including but not limited to diabetes) | Y IF > 2 years ago, check underlying condition | N | N | N | Y IF > 2 years ago, check underlying condition | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
14 | Aneurysm | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF REPAIRED AND > 2 YEASR SINCE DIAGNOSIS AND TREATMENT | Y IF REPAIRED AND > 2 YEASR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF SURGICALLY CORRECTED > 2 YEARS AGO | Y IF SURGICALLY CORRECTED > 1 YEAR | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 18 MONTHS SINCE TREATMENT | Y IF > 18 MONTHS SINCE TREATMENT | Y IF CEREBRAL AND FULLY RECOVERED | Y IF CEREBRAL AND FULLY RECOVERED | Y IF CEREBRAL AND FULLY RECOVERED | Y IF CEREBRAL AND FULLY RECOVERED | Y | ||||||||||
15 | Angina | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF ONSET > 2 YEARS AGO | Y IF ONSET > 1 YEAR AGO | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 18 MONTHS SINCE TREATMENT | Y IF > 18 MONTHS SINCE TREATMENT | N | N | N | N | Y | ||||||||||
16 | Angioplasty | Y IF > 1 YEAR | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS | Y | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS AGO AND AGE 45 OR GREATER AT ONSET | Y IF > 1 YEAR AGO AND AGE 45 OR GREATER AT ONSET | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 2 YEARS SINCE TREATMENT | Y | N | N | Y IF > 6 MONTHS, NO DIABETES OR STROKE | Y IF > 6 MONTHS, NO DIABETES OR STROKE | Y | ||||||||||
17 | Asthma (Severe) | Application and Underwiting Guidelines Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | N | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW DOES NOT SPECIFY | UW DOES NOT SPECIFY | UW DOES NOT SPECIFY | UW DOES NOT SPECIFY | Y | ||||||||||
18 | Asthma(Mild / Moderate) | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW DOES NOT SPECIFY | UW DOES NOT SPECIFY | UW DOES NOT SPECIFY | UW DOES NOT SPECIFY | Y | ||||||||||
19 | Atrial Fibrillation (AFIB) | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREAMENT | Y | Y | N | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y (DEPENDS ON FREQUENCY AND CAUSE) | Y (DEPENDS ON FREQUENCY AND CAUSE) | Y (DEPENDS ON FREQUENCY AND CAUSE) | Y (DEPENDS ON FREQUENCY AND CAUSE) | Y | ||||||||||
20 | Bipolar | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y | Y | IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y IF > AGE 18 (Call UW if client has a history of alcohol/drug abuse) | Y IF > AGE 18 (Call UW if client has a history of alcohol/drug abuse) | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF NO MEDICATION WITHIN THE LAST 5 YEARS | Y IF NO MEDICATION WITHIN THE LAST 5 YEARS | Y IF NO MEDICATION WITHIN THE LAST 5 YEARS | UW Guide does not specify | Y | ||||||||||
21 | Bronchitis (Chronic) | N | N | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Y | N | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | N | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
22 | Bypass Surgery | Y IF > 1 YEAR | Y IF > 2 YEARS | Y IF > 1 YEAR | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS AGO AND AGE 45 OR GREATER AT ONSET | Y IF > 1 YEAR AGO AND AGE 45 OR GREATER AT ONSET | Y | N | Y IF > 2 YEARS | Y | Y IF > 2 YEARS | Y | N | N | Y, DEPENDS ON AGE /SEVERITY, CONTACT UW FOR MORE INFORMATION | Y, DEPENDS ON AGE /SEVERITY, CONTACT UW FOR MORE INFORMATION | Y | ||||||||||
23 | Cancer (One type, non recurring, Except Basal Skin Cancer) | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF NOT CURRENT | Y IF > 10 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 4 YEARS AGO SINCE DIAGNOSIS AND TREATMENT AND > AGE 45 AT DIAGNOSIS | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT AND > 45 YEARS OF AGE AT DIAGNOSIS | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 5 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | N | N | N | N | Y | ||||||||||
24 | Cancer - Recurring or more than one type of cancer | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y IF > 5 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS | N | N | N | N | Y | ||||||||||
25 | Cardiomyopothy (Heart Muscle Disease) | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 18 MONTHS SINCE DIAGNOSIS AND TREATMENT | Y IF > 18 MONTHS SINCE DIAGNOSIS AND TREATMENT | N | N | N | N | Y | ||||||||||
26 | Cerebral Palsy | Application and Underwiting Guidelines Do Not Specify | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
27 | Chronic Cough | Application and Underwiting Guidelines Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 1 year | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE does not specify | UW GUIDE does not specify | UW GUIDE does not specify | UW GUIDE does not specify | Y | ||||||||||
28 | Chronic Kidney Disease | N | Y IF >2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | N | N | Y | N | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT AND STAGES 1-3 | Y | Y IF > 3 YEARS | Y IF > 3 YEARS | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | N | N | N | N | Y | ||||||||||
29 | Chronic Obstructive Pulmonary Disorder (COPD) | N | N | Y | Y | N | Y | Y | N | Y | N | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | N | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | N | Y | ||||||||||
30 | Circulatory Surgery | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS | Y IF > 1 YEAR | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Y | Y | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS | Y IF > 18 MONTHS | N | N | N | UW DOES NOT SPECIFY | Y | ||||||||||
31 | Cirrhosis of the Liver (Stage A or B) | N | Y IF > 2 YEARS SINCE TREATMENT | Y IF > 2 YEARS SINCE TREATMENT | Y | N | Y | Y | N | N | N | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | Y | Y IF > 3 YEARS | Y | Y | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | N | N | N | N | Y | ||||||||||
32 | Cirrhosis of the Liver (Stage C) | N | Y IF > 2 YEARS SINCE TREATMENT | Y IF > 2 YEARS SINCE TREATMENT | Y | N | N | N | N | N | N | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | Y | Y IF > 3 YEARS | Y | Y | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | N | N | N | N | Y | ||||||||||
33 | Colitis Ulcerative Digestive System Disorder | Application and Underwiting Guidelines Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF MILD TO MODERATE | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | Y DEPENDING ON SEVERITY, APS IS REQUIRED | Y | ||||||||||
34 | Congestive Heart Failure (CHF) | N | N | N | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | N | N | N | N | N | N | N | N | Y IF > 45 YEARS OLD AT DIAGNOSIS | N | N | N | N | N | N | N | N | N | Y | ||||||||||
35 | Covid 19 | Y IF TESTED POSITIVE > 3 MONTHS AGO, NO RESIDUAL EFFECTS WITHIN THE LAST 6 MONTHS, NO SYMPTOMS WITHIN THE LAST 30 DAYS | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 14 DAYS SINCE SYMPTOMS, > 30 DAYS SINCE QUARANTINE, > DAYS SINCE POSITVE TEST RESULT, > 21 DAYS SINCE TRAVEL OUTSIDE OF THE UNITED STATES, > 30 DAYS SINCE SOMEONE IN YOUR HOUSEHOLD HAS BEEN TREATED OR DIAGNOSED | Y IF > 14 DAYS SINCE SYMPTOMS, > 30 DAYS SINCE QUARANTINE, > DAYS SINCE POSITVE TEST RESULT, > 21 DAYS SINCE TRAVEL OUTSIDE OF THE UNITED STATES, > 30 DAYS SINCE SOMEONE IN YOUR HOUSEHOLD HAS BEEN TREATED OR DIAGNOSED | Y | Y IF > 14 DAYS SINCE SYMPTOMS, > 30 DAYS SINCE QUARANTINE, > DAYS SINCE POSITVE TEST RESULT, > 21 DAYS SINCE TRAVEL OUTSIDE OF THE UNITED STATES, > 30 DAYS SINCE SOMEONE IN YOUR HOUSEHOLD HAS BEEN TREATED OR DIAGNOSED | Y IF > 1 YEAR SINCE POSITIVE TEST RESULT, TREATMENT AND QUARANTINE | Y IF > 1 YEAR SINCE POSITIVE TEST RESULT, TREATMENT AND QUARANTINE | Y IF > 30 DAYS SINCE POSITIVE TEST RESULT, TREATMENT OR QUARANTINE | Y IF > 3 MONTHS SINCE RECOVERY FOR AGES < 70 AND > 6 MONTHS FOR AGES < 70 | Y IF > 3 MONTHS SINCE RECOVERY FOR AGES < 70 AND > 6 MONTHS FOR AGES < 70 | Y IF > 3 MONTHS SINCE RECOVERY FOR AGES < 70 AND > 6 MONTHS FOR AGES < 70 | New guidelines screen for the drug remdisivir in prescription history. Manual underwriting review is triggered for applicants taking this drug. | New guidelines screen for the drug remdisivir in prescription history. Manual underwriting review is triggered for applicants taking this drug. | New guidelines screen for the drug remdisivir in prescription history. Manual underwriting review is triggered for applicants taking this drug. | Y IF > 30 DAYS SINCE SYMPTOMS, QUARANTINE, POSITIVE TEST RESULTS | Y IF > 30 DAYS SINCE SYMPTOMS, QUARANTINE, POSITIVE TEST RESULTS | Y IF > 30 DAYS AND FULLY RECOVERED | Y IF > 30 DAYS AND FULLY RECOVERED | Y IF > 30 DAYS AND FULLY RECOVERED | Y IF > 30 DAYS AND FULLY RECOVERED | Y | ||||||||||
36 | Crohn's Disease (or Other Digestive System Disorder | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 5 YEARS IN REMISSION | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Y IF ONSET > AGE 26 | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
37 | Current hospital or pychiatric facility patient | N | N | N | N | N | N | N | N | N | N | N | N | C ADDITIONAL INFORMATION REQUIRED ON APPLICATION | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
38 | Cystic Fibrosis | Application and Underwiting Guidelines Do Not Specify | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
39 | Defibrilator | N | Y IF > 2 YEARS | Y IF > 1 YEAR | Y | Y IF > 2 YEARS SINCE TREATMENT | Y IF > 2 YEARS SINCE TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS AGO | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 45 YEARS OLD WHEN INSTALLED AND > 1 YEAR SINCE INSTALLATION | Y | N | N | N | Y IF > 2 YEARS | Y | N | N | N | N | Y | ||||||||||
40 | Depression / Anxiety (Mild) | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 25 YEARS OLD, DIAGNOSIS > 1 YEAR AGO, NO HOSPITALIZATIONS OR TIME OFF WORK | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > AGE 18 | Y IF > AGE 18 | Y IF > AGE 18 | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF NOT TAKING MEDICATIONS | Y IF NOT TAKING MEDICATIONS | Y IF NOT TAKING MEDICATIONS | Y | Y | ||||||||||
41 | Depression / Anxiety (Moderate / Severe) | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > AGE 18 | Y IF > AGE 18 | Y IF > AGE 18 | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
42 | Diabetes (Insulin) | Y IF NO COMPLICATONS IN LAST 2 YEARS | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y IF Diagnosed > AGE 49 AND no Complications | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y | N | Y IF NO COMPLICATIONS AND NO INSULIN PRIOR TO AGE 50 | Y IF NO COMPLICATIONS AND NO INSULIN PRIOR TO AGE 50 | Y | N | Y IF DIAGNOSIS > AGE 20 | Y | Y IF no complications, no insulin before age 50 | Y IF no complications, no insulin before age 50 | Y | Y IF INSULIN > 30 YEARS OF AGE | Y IF INSULIN > 30 YEARS OF AGE | N | N | N | N | Y | ||||||||||
43 | Diabetes (No Insulin) | Y IF NO COMPLICATIONS IN THE LAST 2 YEARS | Y IF NO COMPLICATIONS IN THE LAST 2 YEARS | Y IF NO COMPLICATIONS IN THE LAST 2 YEARS | Y | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y IF Diagnosed > AGE 49 AND no Complications | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y IF NO COMPLICATIONS | Y | Y IF NO COMPLICATIONS AND NOT OVERWEIGHT | Y IF NO COMPLICATIONS AND NO INSULIN PRIOR TO AGE 50 | Y IF NO COMPLICATIONS AND NO INSULIN PRIOR TO AGE 50 | Y | Y IF DIAGNOSIS > AGE 20 | Y IF DIAGNOSIS > AGE 20 | Y | Y IF no complications in the last 3 years | Y | Y | Y | Y | N | N | Y IF NO MEDICATION PRESCRIBED, AND ONSET > 20 YEARS OF AGE | Y IF ONSET > 20 YEARS OF AGE | Y | ||||||||||
44 | Diabetic Coma or Shock | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | N | N | Y | N | N | N | N | Application and Underwiting Guidelines Do Not Specify | N | N | N | Y | N | N | N | Y IF > 3 years | Y IF > 3 years | Y | N | N | N | N | N | N | Y | ||||||||||
45 | Diabetic Complications (Retinopathy, Neuropathy, Nephropathy) | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | N | N | Y | N | Y | N | N | Y | N | N | N | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF no complications in the last 3 years | Y IF no complications in the last 3 years | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
46 | Diagnosis or consultation for unexplained weight loss of greater than 10 pounds | Application and Underwiting Guidelines Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 1 YEAR | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | ||||||||||
47 | Disabled or Unemployed Due to Medical Reasons | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | ||||||||||
48 | Downs Syndrome | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | ||||||||||
49 | DRIVING VIOLATIONS (RECKLESS DRIVING ETC) | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS OR < 2 VIOLATIONS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF < 3 IN THE LAST 5 YEARS AND NO RECKLESS DRIVING IN LAST 5 YEARS | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF < 4 VIOLATIONS OR > 4 YEARS AGO | Y IF < 4 VIOLATIONS OR > 2 YEARS AGO | Y IF < 4 VIOLATIONS OR > 2 YEARS AGO | Y IF < 3 VIOLATIONS WITHIN THE PAST 5 YEARS FOR AGE 18-35, < 4 VIOLATIONS WITHIN THE PAST 3 YEARS FOR AGE 36-85 | Y IF < 4 VIOLATIONS IN THE PAST 3 YEARS | Y IF < 4 VIOLATIONS IN THE PAST 3 YEARS | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Y IF > 5 YEARS | Y IF > 5 YEARS | Y IF > 5 YEARS | Y IF > 5 YEARS | Y | ||||||||||
50 | Drug Abuse (Except Marijuana) | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 3 YEARS | Y | Y | Y IF > 18 MONTHS | Y IF > 18 MONTHS | N | Y IF > 10 YEARS AGO | Y IF > 5 YEARS | Y IF > 5 YEARS | Y | ||||||||||
51 | DUI (ONE) | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 5 YEARS | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF > 4 YEARS AGO | Y IF > 2 YEARS AGO | Y IF > 2 YEARS AGO | Y IF > 5 YEARS FOR AGE 18-35, > 3 YEARS FOR AGE 36-85 | Y IF > 5 YEARS FOR AGE 18-35, > 3 YEARS FOR AGE 36-85 | Y IF > 3 YEARS FOR AGE 36-85 | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Y IF > 5 YEARS | Y IF > 5 YEARS | Y IF > 5 YEARS | Y IF > 1 YEAR | Y | ||||||||||
52 | DUI (TWO) | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 5 YEARS | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF > 4 YEARS AGO | Y IF > 2 YEARS AGO | Y IF > 2 YEARS AGO | Y IF > 5 YEARS FOR AGE 18-35, > 3 YEARS FOR AGE 36-85 | Y IF > 5 YEARS FOR AGE 18-35, > 3 YEARS FOR AGE 36-85 | Y IF > 3 YEARS FOR AGE 36-85 | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Y IF > 5 YEARS | Y IF > 5 YEARS | Y IF 5 YEARS | Y IF 5 YEARS | Y | ||||||||||
53 | Emphysema | N | N | Y | Y | N | Y | Y | N | Y | N | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | Y | Y | Y IF > 24 MONTHS SINCE TREATMENT AND DIAGNOSIS | Y | N | N | N | N | Y | ||||||||||
54 | Epilepsy / Seizures | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y IF NO COMPLICATIONS AND > 2 YEARS SINCE LAST SEIZURE | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | N | Y IF NO MORE THAN 6 SEIZURES IN LAST 2 YEARS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 24 MONTHS SINCE TREATMENT AND DIAGNOSIS | Y | Y IF NO ATTACK WITHIN LAST YEAR | Y IF NO ATTACK WITHIN LAST YEAR | Y IF NO ATTACK WITHIN LAST YEAR | Y IF NO ATTACK WITHIN LAST YEAR | Y | ||||||||||
55 | FELONY | Application and Underwiting Guide Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y IF > 2 YEARS, awaiting trial = decline | Y | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | N | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y IF > 2 YEARS SINCE CONVICTION (AWAITING TRIAL = DECLINE) | Y IF > 2 YEARS SINCE CONVICTION (AWAITING TRIAL = DECLINE) | Y IF > 2 YEARS SINCE CONVICTION (AWAITING TRIAL = DECLINE) | Y IF > 3 YEARS | Y IF > 3 YEARS | Y | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | N | N | N | N | Y | ||||||||||
56 | Fibromyalgia | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and underwriting guide does not specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y IF NO DEPRESSION AND WORKING FULL TIME | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | Y | Y | Y | Y | ||||||||||
57 | Heart Attack | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS | Y IF > 1 YEAR | Y | Y IF >2 years | Y IF >2 years | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS AND > AGE 45 AT OCCURRENCE | Y IF > 1 YEAR AND > AGE 45 AT OCCURRENCE | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y IF > 6 MONTHS | Y IF > 2 YEARS | Y | N | N | Y DEPENDS ON AGE / SEVERITY, CONTACT UW FOR MORE INFORMATION | Y DEPENDS ON AGE / SEVERITY, CONTACT UW FOR MORE INFORMATION | Y | ||||||||||
58 | Heart Blockage | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
59 | Heart Failure (Left or right, NOT congestive) | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | N | N | N | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF > AGE 45 AT ONSET | Y IF > AGE 45 AT ONSET | Y | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | |||||||||||
60 | Heart Murmur (No symptoms) | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
61 | Heart Murmur (With Symptoms or treatment) | Application and Underwiting Guide Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
62 | Heart Surgery / Procedure | Y IF > 1 YEAR SINCE TREATMENT AND NO DEFIBRILLATOR | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY, CHECK UNDERLYING CONDITION | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION / UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 2 YEARS SINCE TREATMENT, DIAGNOSIS AND PROCEDURE | Y IF > 18 MONTHS SINCE TREATMENT, DIAGNOSIS AND PROCEDURE | N | N | N | N | Y | ||||||||||
63 | Heart Valve Disease / Disorder | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | N | N | N | Y | ||||||||||
64 | Heart Valve Replacement | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT AND ONSET > 45 YEARS OF AGE | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT AND ONSET > 45 YEARS OF AGE | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF > 2 YEARS SINCE TREATMENT, DIAGNOSIS AND PROCEDURE | Y IF > 18 MONTHS SINCE TREATMENT, DIAGNOSIS AND PROCEDURE | N | N | N | N | Y | ||||||||||
65 | Hepatitus A (Liver Disease) | Y IF Recovered | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF NOT CHRONIC | Y | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF RECOVERED | Y IF NOT CHRONIS OR > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF NOT CHRONIC OR > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR AGO SINCE DIAGNOSIS AND TREATMENT | Application and Underwiting Guidelines Do Not Specify | Y IF NOT CHRONIC OR > 3 YEARS SINCE TREATMENT | Y IF NOT CHRONIC OR > 3 YEARS SINCE TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
66 | Hepatitus B (Liver Disease) | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF NOT CHRONIC | Y | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y | Y | N | Y IF NOT CHRONIC OR > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF NOT CHRONIC OR > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS AGO SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR AGO SINCE DIAGNOSIS AND TREATMENT | Y IF NO OTHER MAJOR MEDICAL CONDITIONS | Y IF NOT CHRONIC OR > 3 YEARS SINCE TREATMENT | Y IF NOT CHRONIC OR > 3 YEARS SINCE TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | N | N | N | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
67 | Hepatitus C (Liver Disease) | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF NOT CHRONIC | Y | Y | N | Y | N | Y | Y | N | Y IF NOT CHRONIC OR > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF NOT CHRONIC OR > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 2 YEARS AGO SINCE DIAGNOSIS AND TREATMENT | Y | Y IF NOT CHRONIC OR > 3 YEARS SINCE TREATMENT | Y IF NOT CHRONIC OR > 3 YEARS SINCE TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | N | N | N | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
68 | High Blood Pressure (Controlled, less than 3 meds prescribed) | Application and Underwiting Guide Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF NO MORE THAN ONE MEDICATION IS PRESCRIBED | Y IF NO MORE THAN ONE MEDICATION IS PRESCRIBED | Y IF NO MORE THAN ONE MEDICATION IS PRESCRIBED | Y IF NO MORE THAN ONE MEDICATION IS PRESCRIBED | Y | ||||||||||
69 | Hospitalized for mental or nervous disorder | Y IF > 6 MONTHS | N | N | N | Y IF > 2 YEARS SINCE HOSPITALIZATION | Y IF NOT CURRENT | Y IF NOT CURRENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y IF NOT CURRENT | Y IF NOT CURRENT | Y IF NOT CURRENT | N | N | N | Y IF > 2 YEARS | Y | Y | Y IF NOT CURRENT | Y IF NOT CURRENT | N | N | N | N | Y | ||||||||||
70 | Huntington's Disease | N | N | N | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | N | N | N | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
71 | Kidney Dialysis | N | N | N | N | N | N | N | N | N | Y IF > 1 YEAR | Y IF > 1 YEAR | Y IF > 1 YEAR | N | N | N | N | Y IF > 4 YEARS SINCE TREATMENT | Y IF > 1 YEAR SINCE TREATMENT | Y | N | Y > 1 YEAR SINCE DIALYSIS | Y IF > 1 YEAR SINCE DIALYSIS | N | N | N | N | N | N | Y | ||||||||||
72 | Kidney Failure (Renal Failure) | N | IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEAR SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | N | N | N | N | N | N | N | N | N | Y IF NOT STAGE 4 OR 5 | Y | N | Y IF > 3 YEARS SINCE TREATMENT AND > 1 YEAR SINCE DIALYSIS | Y IF > 1 YEAR SINCE DIALYSIS | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | N | N | N | N | Y | ||||||||||
73 | Kidney Transplant (Completed) | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y IF > 1 YEAR SINCE DIALYSIS | N | N | N | N | N | N | Y | ||||||||||
74 | Lupus (Discoid) | Application and Underwiting Guide Do Not Specify | Y | Y | Y | Y | Y | Y | Y | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y | Y | Y | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y | Y | Y | Y | Y | ||||||||||
75 | Lupus (Systemic) | Application and Underwiting Guide Do Not Specify | N | Y | Y | N | Y | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | N | Y | ||||||||||
76 | Marijuana (Recreational) | Application and Underwiting Guide Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y | Y IF NOT ILLEGAL | Y IF NOT ILLEGAL | Y IF NOT ILLEGAL | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y NICOTINE RATES APPLY | Y NICOTINE RATES APPLY | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Y IF NOT DAILY | Y IF NOT DAILY | Y IF NOT DAILY | Y IF NOT DAILY | Y | ||||||||||
77 | MISDEMEANOR | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 3 YEARS | Y IF > 3 YEARS | Y | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y | Y | Y | Y | Y | ||||||||||
78 | Mitral Insufficiency (VASCULAR / CIRCULATORY DISORDER) | Application and Underwiting Guide Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND ONSET > 45 YEARS OF AGE | Y IF > 1 YEARS SINCE DIAGNOSIS AND ONSET > 45 YEARS OF AGE | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y | ||||||||||
79 | MITRAL STENOSIS (VASCULAR / CIRCULATORY DISORDER) | Application and Underwiting Guide Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND ONSET > 45 YEARS OF AGE | Y IF > 1 YEARS SINCE DIAGNOSIS AND ONSET > 45 YEARS OF AGE | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y | ||||||||||
80 | Multiple Sclerosis | Application and Underwiting Guide Do Not Specify | N | Y | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | N | Y | Y | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | Y DEPENDS ON SEVERITY AND PROGRESSION, CONTACT UW FOR MORE INFORMATION | Y | ||||||||||
81 | Muscular Dystrophy | N | N | N | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | N | N | Y | N | N | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | N | N | Y | ||||||||||
82 | Myelodysplastic Syndrome (MDS) (BONE MARROW CANCER) | Application and Underwiting Guidelines do not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF NOT CURRENT | Y IF NOT CURRENT | Y IF > 10 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y IF > 4 YEARS AGO SINCE DIAGNOSIS AND TREATMENT AND > AGE 45 AT DIAGNOSIS | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT AND > 45 YEARS OF AGE AT DIAGNOSIS | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
83 | Narcolepsy | Application and Underwiting Guidelines do not specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF ONLY OCCASIONAL EPISODES | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
84 | Nursing Home or Skilled Nursing Facility Resident | N | N | N | N | N | N | N | N | N | N | N | N | C ADDITIONAL INFORMATION REQUIRED ON APPLICATION | N | N | N | N | N | Y IF > 2 YEARS AGO | N | N | N | N | N | N | N | N | N | Y | ||||||||||
85 | Organ or Bone Marrow Transplant (Except Kidney) | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
86 | Oxygen to assist with breathing (except for sleep apnea) | N | N | N | N | N | N | N | N | N | Y IF > 1 YEAR SINCE TREATMENT | Y IF > 1 YEAR SINCE TREATMENT | Y IF > 1 YEAR SINCE TREATMENT | N | N | N | N | Y IF > 1 YEAR SINCE TREATMENT | Y IF > 1 YEAR SINCE TREATMENT | Y | N | N | Y | N | N | N | N | N | N | Y | ||||||||||
87 | Pacemaker | Application and Underwiting Guide Do Not Specify | Y IF > 2 YEARS | Y IF > 1 YEAR | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 1 YEAR SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS | Y IF > 1 YEAR | Y | N | Y IF > 3 YEARS | Y IF > 2 YEARS | Y | Y IF > 2 YEARS AND AND ONSET > 45 YEARS OF AGE | Y IF > 1 YEAR AND ONSET > 45 YEARS OF AGE | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Y IF > 2 YEARS | Y | N | N | N | N | Y | ||||||||||
88 | Pancreatitus (Chronic) | Application and Underwiting Guidelines do not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
89 | Paralysis | Application and Underwiting Guide Do Not Specify | Y if can perform all activites of daily living | Y if can perform all activites of daily living | Y if can perform all activites of daily living | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
90 | Parkinsons | Application and Underwiting Guide Do Not Specify | N | Y | Y | N | Y | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y | Y | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Y | N | Y IF ONSET > AGE 45 | Y | Y IF > 3 YEARS | Y IF > 3 YEARS | Y | Y IF > 2 YEARS SINCE TREATMENT AND DIAGNOSIS | Y | N | N | N | Y IF NOT DISABLING, DEPENDS ON SEVERITY AND PROGRESSION, CONTACT UW FOR MORE INFORMATION | Y | ||||||||||
91 | Peripheral Vascular Disease | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS SINCE DIAGNOSIS AND ONSET > 45 YEARS OF AGE | Y IF ONSET > 45 YEARS OF AGE | Y | Y IF > 2 YEARS | Y IF > 2 YEARS | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
92 | PROBATION OR PAROLE | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 2 YEARS AGO | Y IF > 2 YEARS AGO | Y IF > 2 YEARS AGO | Y IF > 3 YEARS | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 1 YEAR AGO | Y IF > 1 YEAR AGO | Y IF > 1 YEAR AGO | Y IF > 1 YEAR AGO | Y | ||||||||||
93 | Receiving or been advised to receive skilled nursing care, hospice, or home healthcare | N | N | N | N | N | N | N | N | N | N | N | N | C ADDITIONAL INFORMATION REQUIRED ON APPLICATION | N | N | N | N | N | N | N | N | N | N | N | N | N | N | N | Y | ||||||||||
94 | Requires help with daily living activities (taking meds, bathing, dressing, eating, toileting) | N | N | N | N | N | N | N | N | N | N | N | N | C ADDITIONAL INFORMATION REQUIRED ON APPLICATION | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
95 | Rheumatoid Arthritis (Mild) | Application and Underwiting Guide Do Not Specify | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF EMPLOYED, NOT DISBALED AND NO TREATMENT FOR LAST 1 YEAR | Y IF EMPLOYED, NOT DISABLED, AND NO TREATMENT WITHIN LAST YEAR | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | Y, DEPENDS ON SEVERITY, CONTACT UW FOR MORE INFORMATION | Y | ||||||||||
96 | Rheumatoid Arthritis (Moderate / Severe) | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Y IF EMPLOYED, NOT DISABLED AND NO TREATMENT WITHIN LAST YEAR | Y IF EMPLOYED, NOT DISBALED AND NO TREATMENT WITHIN LAST YEAR | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | Y, DEPENDS ON SEVERITY, CONTACT UW FOR MORE INFORMATION | Y | ||||||||||
97 | Sarcoidous (Non-Pulmonary) | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y IF > 3 YEARS | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
98 | Sarcoidous (Pulmonary) | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | N | Y | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | N | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Y IF > 3 YEARS | Y | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y | ||||||||||
99 | Schizophrenia | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | Y | Y | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | APPLICATION AND UNDERWRITING GUIDE DOES NOT SPECIFY | N | Y IF > 3 YEARS SINCE DIAGNOSIS AND TREATMENT | Y IF > 2 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | N | Y IF > AGE 18 | Y IF > AGE 18 | Y IF > 3 YEARS SINCE TREATMENT | Y IF > 3 YEARS SINCE TREATMENT | Y | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | N | N | N | N | Y | ||||||||||
100 | Scleroderma | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Y IF > 4 YEARS SINCE DIAGNOSIS AND TREATMENT | Y | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | APPLICATION AND UNDERWRITING GUIDE NOT SPECIFY | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and underwriting guide does not specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guide Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | Application and Underwiting Guidelines Do Not Specify | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | UW GUIDE DOES NOT SPECIFY | Y |