| 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 | AN | AO | AP | AQ | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 |  | 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 | GREAT WESTERN | |||||||||||||
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 | 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 | $35,000 | $35,000 | $20,000 | $30,000 | $10,000 | 18-50 $3,000,000 51-60 $1,000,000 61-65 $250,000 | 18-50 $3,000,000 51-60 $1,000,000 61-65 $250,000 | 18-50 $3,000,000 51-60 $1,000,000 61-65 $250,000 | 18-50 $3,000,000 51-60 $1,000,000 61-65 $250,000 | $5,000 - $25,000 | $5,000 - $25,001 | |||||||||||||
4 | AGE RANGE | 40 - 85 | 40 - 89 | 40 - 89 | 40 - 75 | 50 - 80 | 50 - 80 | 50 - 80 | 45 - 85 | 45 - 80 | 50 - 85 | 50 - 80 | 50 - 80 | 0 - 75 | 50 - 85 | 50 - 85 | 50 - 85 | 0 - 85 | 0 - 85 | 18 - 80 | 18 - 85 | 18 - 85 | 18 - 85 | 50 - 75 | 50 - 75 | 0-85 | 0-85 | 0-85 | 0-85 | 50 - 80 | 51 - 80 | |||||||||||||
5 | BUILD / UW GUIDE | EAGLE PREMIER UW GUIDE | NO BUILD CHART ACCENDO UW | NO BUILD CHART ACCENDO UW | NO BUILD CHART ACCENDO UW | NEW VISTA UW | NEW VISTA UW | NEW VISTA UW | LIVING PROMISE UW | LIVING PROMISE UW | PLANRIGHT UW | PLANRIGHT UW | PLANRIGHT UW | ADVANTAGE PLUS II UW | SENIOR CHOICE UW | SENIOR CHOICE UW | SENIOR CHOICE UW | IMMEDIATE SOLUTIONS UW | IMMEDIATE SOLUTIONS UW | EASY SOLUTIONS UW | DIGNIFIED CHOICE UW | DIGNIFIED CHOICE UW | DIGNIFIED CHOICE UW | NO BUILD CHART SIMPLIFIED ISSUE WL UW | NO BUILD CHART SIMPLIFIED ISSUE WL UW | NLG TOTAL SECURE UW | NLG TOTAL SECURE UW | NLG TOTAL SECURE UW | NLG TOTAL SECURE UW | NO BUILD CHART AIG AGENT GUIDE | ||||||||||||||
6 | DRUGS LIST | DUG LIST EAGLE PREMIER | DRUG LIST ACCENDO | DRUG LIST ACCENDO | DRUG LIST ACCENDO | DRUG LIST NEW VISTA | DRUG LIST NEW VISTA | DRUG LIST NEW VISTA | DRUGS LIST LIVING PROMISE | DRUGS LIST LIVING PROMISE | PAGE 8 OF PLANRIGHT UW | PAGE 8 OF PLANRIGHT UW | PAGE 8 OF PLANRIGHT UW | PAGE 22 OF ADVANTAGE PLUS II UW | PAGE 18 OF SENIOR CHOICE UW | PAGE 18 OF SENIOR CHOICE UW | PAGE 18 OF SENIOR CHOICE UW | DRUGS LIST IMMEDIATE SOLUTIONS | DRUGS LIST IMMEDIATE SOLUTIONS | PAGE 9 OF DIGNIFIED CHOICE UW | PAGE 9 OF DIGNIFIED CHOICE UW | PAGE 9 OF DIGNIFIED CHOICE UW | DRUGS LIST (LOG IN TO YOUR ACCOUNT FIRST) | DRUGS LIST (LOG IN TO YOUR ACCOUNT FIRST) | AIG RATE SHEET | |||||||||||||||||||
7 | Foreign Nationals UW Guidelines | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER) | N | N | N | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER) | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER) | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER) | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER),OR HAS ONE OF THE ACCEPTABLE VISAS: E-1, E-2, H-1B, H-4, L-1, L-2 | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER),OR HAS ONE OF THE ACCEPTABLE VISAS: E-1, E-2, H-1B, H-4, L-1, L-2 | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER),OR HAS ONE OF THE ACCEPTABLE VISAS: E1, E2, E3 G1, G2, G3, G4 H-1B, H-2A, H-2B, H-3, H4 J1, J2 K1, K3 L-1A, L-1B, L2 O1, O3 P1, P2, P3, P4, R1, TN | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER),OR HAS ONE OF THE ACCEPTABLE VISAS: E1, E2, E3 G1, G2, G3, G4 H-1B, H-2A, H-2B, H-3, H4 J1, J2 K1, K3 L-1A, L-1B, L2 O1, O3 P1, P2, P3, P4, R1, TN | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER),OR HAS ONE OF THE ACCEPTABLE VISAS: E1, E2, E3 G1, G2, G3, G4 H-1B, H-2A, H-2B, H-3, H4 J1, J2 K1, K3 L-1A, L-1B, L2 O1, O3 P1, P2, P3, P4, R1, TN | Y IF PERMANENT RESIDENT (GREEN CARD HOLDER),OR HAS ONE OF THE ACCEPTABLE VISAS: E1, E2, E3 G1, G2, G3, G4 H-1B, H-2A, H-2B, H-3, H4 J1, J2 K1, K3 L-1A, L-1B, L2 O1, O3 P1, P2, P3, P4, R1, TN | Provide ITIN* (Individual Tax Identi fication Number) and a Copy of Permanent Residence Card (Green Card) or Copy of Visa (Non-Immigrant Work Visa or Immigrant Visa) | Provide ITIN* (Individual Tax Identi fication Number) and a Copy of Permanent Residence Card (Green Card) or Copy of Visa (Non-Immigrant Work Visa or Immigrant Visa) | Provide ITIN* (Individual Tax Identi fication Number) and a Copy of Permanent Residence Card (Green Card) or Copy of Visa (Non-Immigrant Work Visa or Immigrant Visa) | Y IF HAS ANY OF THE FOLLOWING VISAS: https://drive.google.com/file/d/1A3SDRX6ipkgTP1Jrczue4pj_DrAItiKw/view?usp=sharing | Y IF HAS ANY OF THE FOLLOWING VISAS: https://drive.google.com/file/d/1A3SDRX6ipkgTP1Jrczue4pj_DrAItiKw/view?usp=sharing | Y IF HAS ANY OF THE FOLLOWING VISAS: https://drive.google.com/file/d/1A3SDRX6ipkgTP1Jrczue4pj_DrAItiKw/view?usp=sharing | Y, IF HAS AN ITIN NUMBER | Y, IF HAS AN ITIN NUMBER | Y, IF HAS AN ITIN NUMBER | Call Underwriting | Call Underwriting | Y, IF HAS AN ITIN NUMBER OR SUBMIT W8-BEN FORM FROM IRS | Y, IF HAS AN ITIN NUMBER OR SUBMIT W8-BEN FORM FROM IRS | Y, IF HAS AN ITIN NUMBER OR SUBMIT W8-BEN FORM FROM IRS | Y, IF HAS AN ITIN NUMBER OR SUBMIT W8-BEN FORM FROM IRS | Call Underwriting | ||||||||||||||
8 | SIGNATURE | ELECTRONIC SIGNATURE (EMAIL), TEXT SIGNATURE, WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), SECURITY QUESTION | ELECTRONIC SIGNATURE (EMAIL), SECURITY QUESTION | ELECTRONIC SIGNATURE (EMAIL), SECURITY QUESTION | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), PHONE INTERVIEW APPTICAL (VOICE SIGNATURE) | ELECTRONIC SIGNATURE (EMAIL), VOICE SIGNATURE | ELECTRONIC SIGNATURE (EMAIL), VOICE SIGNATURE | ELECTRONIC SIGNATURE (EMAIL), VOICE SIGNATURE | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), WET SIGNATURE (PAPER APP) | ELECTRONIC SIGNATURE (EMAIL), VOICE SIGNATURE | ||||||||||||||
9 | PAYMENT METHODS | ACH | ACH | ACH | ACH | 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, ACH, | DIRECT EXPRESS, ACH | DIRECT EXPRESS, 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 | ||||||||||||||
10 | 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 | ||||||||||||||
11 | 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 | ||||||||||||||
12 | 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 | ||||||||||||||
13 | 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 | ||||||||||||||
14 | 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 | ||||||||||||||
15 | 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 | ||||||||||||||
16 | Amputation due to Disease (including but not limited to diabetes) | 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 | Y | |||||||||||||
17 | 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 | ||||||||||||||
18 | 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 | ||||||||||||||
19 | 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 | ||||||||||||||
20 | 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 | ||||||||||||||
21 | 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 | ||||||||||||||
22 | Atrial Fibrillation (AFIB) | N | 7 | 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 | ||||||||||||||
23 | 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 | ||||||||||||||
24 | 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 | ||||||||||||||
25 | 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 | ||||||||||||||
26 | 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 | ||||||||||||||
27 | 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 | ||||||||||||||
28 | 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 | ||||||||||||||
29 | 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 | ||||||||||||||
30 | 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 | ||||||||||||||
31 | 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 | ||||||||||||||
32 | 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 | ||||||||||||||
33 | 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 | ||||||||||||||
34 | 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 | ||||||||||||||
35 | 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 | ||||||||||||||
36 | 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 | ||||||||||||||
37 | 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 | ||||||||||||||
38 | 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 | ||||||||||||||
39 | 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 | ||||||||||||||
40 | 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 | ||||||||||||||
41 | 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 | ||||||||||||||
42 | 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 | ||||||||||||||
43 | 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 | ||||||||||||||
44 | 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 | ||||||||||||||
45 | 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 | ||||||||||||||
46 | 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 | ||||||||||||||
47 | 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 | ||||||||||||||
48 | 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 | ||||||||||||||
49 | 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 | ||||||||||||||
50 | 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 | ||||||||||||||
51 | 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 | ||||||||||||||
52 | 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 | ||||||||||||||
53 | 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 | ||||||||||||||
54 | 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 | ||||||||||||||
55 | 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 | ||||||||||||||
56 | 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 | ||||||||||||||
57 | 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 | ||||||||||||||
58 | 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 | ||||||||||||||
59 | 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 | ||||||||||||||
60 | 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 | ||||||||||||||
61 | 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 | ||||||||||||||
62 | 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 | |||||||||||||||
63 | 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 | ||||||||||||||
64 | 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 | ||||||||||||||
65 | 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 | ||||||||||||||
66 | 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 | ||||||||||||||
67 | 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 | ||||||||||||||
68 | 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 | ||||||||||||||
69 | 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 | ||||||||||||||
70 | 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 | N | N | 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 | ||||||||||||||
71 | 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 | ||||||||||||||
72 | 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 | ||||||||||||||
73 | 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 | ||||||||||||||
74 | 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 | ||||||||||||||
75 | 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 | ||||||||||||||
76 | 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 | ||||||||||||||
77 | 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 | ||||||||||||||
78 | 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 | ||||||||||||||
79 | 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 | ||||||||||||||
80 | 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 | ||||||||||||||
81 | 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 | ||||||||||||||
82 | 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 | ||||||||||||||
83 | 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 | ||||||||||||||
84 | 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 | ||||||||||||||
85 | 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 | ||||||||||||||
86 | 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 | ||||||||||||||
87 | 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 | ||||||||||||||
88 | 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 | ||||||||||||||
89 | 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 | ||||||||||||||
90 | 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 | ||||||||||||||
91 | 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 | ||||||||||||||
92 | 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 | ||||||||||||||
93 | 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 | ||||||||||||||
94 | 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 | ||||||||||||||
95 | 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 | ||||||||||||||
96 | 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 | ||||||||||||||
97 | 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 | ||||||||||||||
98 | 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 | ||||||||||||||
99 | 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 | ||||||||||||||
100 | 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 |