| 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 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | MATRIX | AMAM Express Term (18-75) | AMAM Home Certainty Term & Express UL (20-75) | AMAM Dignity Solutions Whole Life (50-85) | AMAM QSFP Whole Life (50-85) | AMAM Term Made Simple (20-75) | Americo HMS 100, 125, CBO Term, & IUL (20-75) | Americo Select Whole Life 40-85 (nonsmoker) 40-80 (smoker) | Fidelity & Guarantee Pathsetter IUL (0-80) | Foresters Strong Foundation Term Smart UL (18-80) | Foresters Plan Right Whole Life 50-75 (eApp) 76-85 (In Person Wet Sign Req) | John Hancock- Term Vitality (20-60) | LGA/Banner Life QLT Term Plus | MOO Critical Advantage (18-89) | MOO Term Life Express IULE (18-75) | MOO Living Promise Whole Life (45-85) | National Life Group Term EIUL (18-85) | SBLI QLT Term (18-65) | Transamerica Immediate Solutions Whole Life (0-85) | UHL Simple Term (20-60) | UHL Whole Life (20-80) | Corebridge GIWL (50-80) | |||||||||||||||||||
2 | Agent Guides | Express Term | Home Certainty | Dignity Solutions | Drug Exclusion List | Term Made Simple | Americo Term Agent Guide | Eagle Premier | Pathsetter | Strong Foundation Diabetes Calculator | Plan Right | Vitality | QLT Term Plus | MOO Critical Advantage | MOO Agent Guide Drug Exclusion | Living Promise | NLG/LSW Term/EIUL | SBLI Term | Immediate Solutions | UHL Term | UHL Whole Life | N/A | |||||||||||||||||||
3 | Carrier Websites | AMAM | AMAM | AMAM | AMAM | AMAM | Americo | Americo | F & G | Foresters | Foresters | John Hancock | LGA | MOO | MOO | MOO | NLG | SBLI | Trans Am | UHL | UHL | Corebridge | |||||||||||||||||||
4 | Phone Number | 1-800-736-7311 | 1-800-736-7311 | 1-800-736-7311 | 1-800-736-7311 | 1-800-736-7311 | 1-800-231-0801 | 1-800-321-0801 | 1-800-445-6758 | 1-866-466-7166 | 1-866-466-7166 | 1-800-505-9427 | 1-833-520-2131 | 1-800-775-7896 | 1-800-775-7896 | 1-800-775-7896 | 1-800-732-8939 | (855)-642-0023 (Sales Support) (888)-224-7254 (Agent Support) | 1-877-454-4768 | 1-800-428-3001 | 1-800-428-3001 | 1-800-677-3311 | |||||||||||||||||||
5 | E Apps | AMAM | AMAM | AMAM | AMAM | AMAM | Americo Part 1 | Americo Part 2 | F&G Part 1 F&G Part 2 | Strong Foundation | Plan Right | John Hancock | LGA Part 1 LGA Part 2 LGA Part 3 | Critical Advantage | MOO AD MOO AD Text | MOO Part 1 MOO Part 2 MOO Text 1 MOO Text 2 | NLG/LSW | SBLI | Trans Am | UHL Part 1 UHL Part 2 | UHL Text 1 UHL Text 2 | Corebridge | |||||||||||||||||||
6 | |||||||||||||||||||||||||||||||||||||||||
7 | Miscellaneous Info | ||||||||||||||||||||||||||||||||||||||||
8 | |||||||||||||||||||||||||||||||||||||||||
9 | Declines Reported? | NO report for declines. They report flagged cases | NO report for declines. They report flagged cases | NO report for declines. They report flagged cases | NO report for declines. They report flagged cases | NO report for declines. They report flagged cases | NOT REPORTED | NOT REPORTED | Condition will be flagged, Decline not reported. | Condition will be flagged, Decline not reported. | Condition will be flagged, Decline not reported. | YES | Decline is not reported. Application is reported. | Decline is not reported. Application is reported. | Decline is not reported. Application is reported. | Will flag the condition. Carriers will not report what offers are made | NO | Will flag the condition. Carriers will not report what offers are made | PHI-don't count Submitted App-YES | PHI-don't count Submitted App-YES | |||||||||||||||||||||
10 | Docusign? | NO for apps. YES for endorsements | NO for apps. YES for endorsements | NO for apps. YES for endorsements | NO for apps. YES for endorsements | NO for apps. YES for endorsements | YES- only with Docusign account. Must include Docusign certificate. | YES- only with Docusign account. Must include Docusign certificate. | YES- Must include Docusign certificate. | No- only on additional forms needed after the application is submitted. | No- only on additional forms needed after the application is submitted. | N/A | YES- Must include Docusign certificate. | YES- Must include Docusign certificate. | YES- Must include Docusign certificate. | YES- Must include Docusign certificate. | NO | YES- Must include Docusign certificate. | NO | NO | |||||||||||||||||||||
11 | Paramed Vendors | N/A | N/A | N/A | N/A | N/A | N/A | N/A | American Para Professionals (APPS) 1-800-635-1677 ExamOne 1-877-933-9261 | YOUR TERM AND SMART UL ExamOne 1-877-933-9261 | N/A | N/A | TERM LIFE ANSWERS American Para Professionals (APPS) 1-800-635-1677 ExamOne 1-877-933-9261 | TERM LIFE ANSWERS American Para Professionals (APPS) 1-800-635-1677 ExamOne 1-877-933-9261 | N/A | American Para Professionals (APPS) 1-800-635-1677 ExamOne 1-877-933-9261 | N/A | American Para Professionals (APPS) 1-800-635-1677 ExamOne 1-877-933-9261 | N/A | N/A | |||||||||||||||||||||
12 | Payments Accepted? | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers only | Account and Routing Numbers Credit Cards acceptable for first payment only BUT BANK INFO MUST BE ENTERED AS WELL Amex, Visa, MC Only | Account and Routing Numbers Credit Cards acceptable for first payment only BUT BANK INFO MUST BE ENTERED AS WELL Amex, Visa, MC Only | Account and Routing Numbers Credit Cards acceptable for first payment only BUT BANK INFO MUST BE ENTERED AS WELL Amex, Visa, MC Only | Account and Routing Numbers only | Account and Routing Numbers Only | Whole Life: Account and Routing Numbers Credit Cards Amex, Visa, MC Only Trendsetter: Account and Routing Numbers Credit Card can be used for the first payment only | Account and Routing Numbers only | Account and Routing Numbers only | AIG Account and Routing Numbers Credit Cards Amex, Visa, MC Only | ||||||||||||||||||||
13 | Phone Interview Required | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | AGES 65-75 FOR $50K-$500K PHI REQUIRED APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | N/A NOTE E APP SHUTS DOWN AT 11 PM LOCAL TIME NIGHTLY | N/A NOTE E APP SHUTS DOWN AT 11 PM LOCAL TIME NIGHTLY | If additionaal info is needed = YES More than likely a PHI will be REQUIRED | N/A | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | IBU (866) 333-6557 MON-TH 830 AM-1130 EST FRI 830 AM-10PM EST SAT 11AM-7PM EST SUN CLOSED ONLY PROVIDER WHOLE LIFE requires Phone Interviews | |||||||||||||||||||||
14 | Split W/Uncontracted Agent | NO | NO | NO | NO | NO | NO | NO | NO | NO | NO | NO | YES-as long as not pre- appointment states But it does not speed up contracting | YES-as long as not pre- appointment states But it does not speed up contracting | YES-as long as not pre- appointment states But it does not speed up contracting | NO | NO | NO | NO | NO | |||||||||||||||||||||
15 | Telesales? | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | APPTICAL (877) 351-1773; MON-FRI 730 AM CST-1AM CST, SAT-SUN 9AM-9PM CST | NO | EAGLE PREMIER ONLY 855-248-8327 9-5 PM CST, M-F ONLY ALL PRODUCTS BANKING PH VERIFICATION NUMBER-Client must be on phone for Account verification 866-214-0054; 9-5 PM CST, M-F ONLY | NO | NO | NO | YES-phone based sale available CLIENT WILL BE ASKED TO E SIGN APP VIA EMAIL | NO | NO | NO | NO | NO | NO | NO | NO | GERBER-YES 877-885-7612 8:30AM-6 PM CST; M-F | ||||||||||||||||||||
16 | |||||||||||||||||||||||||||||||||||||||||
17 | Background Questions | ||||||||||||||||||||||||||||||||||||||||
18 | |||||||||||||||||||||||||||||||||||||||||
19 | Alcohol/Drug Treatment | Treatment over 4 years= ACCEPT | Treatment over 4 years = ACCEPT | Treatment over 2 years= ACCEPT | Over two years = ACCEPT | Treatment over 4 years = ACCEPT | Over 10 years = ACCEPT | Over 2 years = ACCEPT | After 3 years CALL CARRIER Within 3 years = DECLINE | treatment over 5 years= ACCEPT- NO RELAPSE | Within 2 yrs = Basic Death Benefit | DECLINE if tested positive for any of the following: Cocaine Heroin and Prescription amphatamines Hallicinogens | Alcohol abuse with current use = DECLINE Alcohol abuse – abstinence less than two years =DECLINE Drug abuse (excludes marijuana) • Single drug within three years of complete abstinence • Multiple drugs within four years of complete abstinence • Multiple relapses = DECLINE | N/A | Treatment over 10 years= ACCEPT | treatment over 2 years= ACCEPT Within 2 years = GRADED | (total abstinence 5 years) No rating to DECLINE | DECLINE | Within 0-2 years = DECLINE Within 2-4 years = GRADED Within 4-10 years = STANDARD Over 10 years = PREFERRED 0-17 = DECLINE | Over 5 years w/o treatment = ACCEPT | Over 2 years w/o treatment= PREMIER | ||||||||||||||||||||
20 | Avocations | Student pilot, Pilot private= DECLINE; Pro pilot, or over 100 hrs as pilot = ACCEPT | Student pilot, Pilot private= DECLINE; Pro pilot, or over 100 hrs as pilot = ACCEPT | NONE | NONE | Student pilot, Pilot private= DECLINE; Pro pilot, or over 100 hrs as pilot = ACCEPT | Hazarous Activities = DECLINE-See App | NONE | See Agent Guide | NONE | Check Guide | Recreational scuba Available for Preferred Plus rates if: • dives do not exceed 100 feet • PADI, NAUI, or SSI certified and all dives are done with dive master or instructor • open water dives only • does not participate in wreck, salvage, ice or cave diving • no personal history of disease or impairment that would adversely affect mortality • no pre-existing medical impairments which may affect the safety of the scuba diving | N/A | See List | None | Dangerous occupations or avocations are not accepted. Police, Commercial pilots = ACCEPT | Motor vehicle racing, skydiving, piloting a private aircraft, scuba diving over 100 feet = DECLINE | Employed in cannabis industry = DECLINE | No Restrictions; Only on Protector AD* | No Restrictions; Only on Protector AD | |||||||||||||||||||||
21 | Citizenship | SSN, ITIN, OR Permanent resident ONLY= ACCEPT | SSN, ITIN, OR Permanent resident ONLY= ACCEPT | SSN, ITIN, OR Permanent resident ONLY= ACCEPT | SSN, ITIN, OR Permanent resident ONLY= ACCEPT | SSN, ITIN, OR Permanent resident ONLY= ACCEPT | Green Card, Permananet Resident, or US I-551 Card | Green Card, Permananet Resident, or US I-551 Card | CALL CARRIER | Green Card Permanent Resident 18-70 ITIN, living, working or retired in the US for at least five years, and paying taxes = ACCEPT | Green Card Permanent Resident 18-70 ITIN, living, working or retired in the US for at least five years, and paying taxes = ACCEPT | ONLY US CITIZENS , PERMANENT RESIDENCE, GREEN CARD HOLDERS ARE ELIGIBLE | Please consult with the underwriting team or get a QuickQuote request to understand our current philosophy regarding foreign residence and past and/or contemplated foreign travel. | Green Card OK ACCEPTABLE VISAS DE1, E2, H1B, H4, L1, L2 - See Foriegn Natl Quest. | Green Card OK ACCEPTABLE VISAS DE1, E2, H1B, H4, L1, L2 - See Foriegn Natl Quest. | Green Card OK ACCEPTABLE VISAS DE1, E2, H1B, H4, L1, L2 | Green Card Permanent Resident ITIN SSN | Must be either a US citizen permanent resident or have a work Visa Student visas and other visas = DECLINE | ITIN or SSN Residing in the US for two years | GREEN CARD SSN Min 2 years in USA | GREEN CARD SSN Min 2 years in USA | ||||||||||||||||||||
22 | Criminal History (Felonies) | Convicted of felony or misdemeanor within 5 yrs= DECLINE; Probation or parole within 6 mos= DECLINE | Convicted of felony or misdemeanor within 5 yrs =DECLINE; Probation or parole within 6mos = DECLINE | Currently incarcerated, probation, parole, pending charges = DECLINE | Currently incarcerated, probation, parole, pending charges = DECLINE | Convicted of felony or misdemeanor within 5 yrs =DECLINE; Probation or parole within 6mos = DECLINE | Over 10 years past conviction and jail time, parole over 5 years, and probation over two years =ACCEPT Violent ciminals and drug offenses are =DECLINE | Within 6 months being incarcerated = DECLINE | CALL CARRIER | Parole or probation after 5 years with jail time =POSSIBLE-CALL CARRIER No jail time served, depending on nature of crime, if over 1 year after probation or parole ended = POSSIBLE-CALL CARRIER Probation, parole, charges pending within 1 yr = DECLINE | Currently incarcerated, probation, parole, pending charges = DECLINE | DECLINE | Applicants who are in jail, awaiting trial, on probation or parole, have multiple or major felonies (e.g. murder, rape, organized crime, or terrorist acts) will not be considered for life insurance. | N/A | Convicted of felony or misdemeanor within 10 years= DECLINE; Probation or parole within 6 mos = DECLINE | Convicted of felony within 2 years = GRADED Probation or parole within 6 months = DECLINE | Current Parole or Probation = DECLINE Within 1 yr from parole or probation = POSS ACCEPT Single charge/one time occurrence generally and non violent crimes only | Charged with a felony within 10 years =DECLINE | Within 0-3 years = DECLINE Within 3-5 years = GRADED Within 5-10 years = STANDARD Over 10 years = PREFERRED Multiple offenses in last 10 years = DECLINE 0-17 = DECLINE | Over 10 years felony, pending felony, parole for felony = ACCEPT | Over 10 years felony, pending felony, parole for felony =PREMIER | ACCEPT | |||||||||||||||||||
23 | Disability | Receiving ssi benefits for and/or unemployed due to medical reasons = DECLINE Military disability-as long as health issue is a considered insureable condition and works at least 30 hours =ACCEPT | Receiving ssi benefits for and/or unemployed due to medical reasons = DECLINE Military disability-as long as health issue is a considered insureable condition AND works at least 30 hours = ACCEPT | ACCEPT | ACCEPT | Receiving ssi benefits for and/or unemployed due to medical reasons = DECLINE Military disability-as long as health issue is a considered insureable condition AND works at least 30 hours = ACCEPT | DECLINE | ACCEPT | CALL CARRIER | Fully Underwritten Only | ACCEPT Requires assistance with w/ADL's =DECLINE | DECLINE | If in intensive care or in a wheelchair, cannot do the ICU rider. | ACCEPT if due to Back, Hip, or Spine injury | ACCEPT | If working 30 hours and recieved disability (military), as long as the condition is insurable = ACCEPT | Social security disability with last claim over 2 years ago = ACCEPT Military Disability = ACCEPT | Defined as: Disabled due to pain, using narcotic pain meds on a daily or weekly basis, OR 6 fills of narcotic pain meds in the last 12 month period. Currently unemployed or disabled due to pain – GRADED Diagnosed with/treated for within 1 year – GRADED Employed, no disability due to pain or treatment over 1 year – PREFERRED | currently disabled or disabled within last 6 mos = DELUXE TERM | if under 65, currently disabled or disabled within last 6 mos = DELUXE | |||||||||||||||||||||
24 | Driver License/DUI | Within 3 yrs, or 2 or more accidents, or 3 or more driving violations or combination or license currently suspended or revoked=DECLINE | Within 3 yrs, or 2 or more accidents, or 3 or more driving violations or combination or license currently suspended or revoked=DECLINE | Treatment for alcohol within 2 yrs = DECLINE | Treatment for alcohol within 2 yrs = DECLINE | Within 3 yrs, or 2 or more accidents, or 3 or more driving violations or combination or license currently suspended or revoked=DECLINE | Case by Case basis; Multiple=DECLINE | Drug or alcohol rehab within 2 years = ACCEPT Within 6 months being incarcerated = DECLINE | CALL CARRIER | Single DUI within 12 months OR 2 DUI within 5 years = DECLINE More than 2 DUI Call Risk Assessment Line Suspended license or not in good standing = DECLINE | Within two years = BASIC Suspended license or not in good standing = DECLINE | Within 5 years = DECLINE Currently suspended or revoked license in past 12 months = DECLINE | N/A | Within 5 yrs, or 4 or more driving violations or combination or license currently suspended or revoked = DECLINE | Within 2 yrs, or 2 or more reckless driving convictions = GRADED | 1 DUI within 1 yr or Multiple DUI's within 5 years = DECLINE | DUI/DWI, reckless driving conviction, or license suspended or revoked = DECLINE | Reckless driving, DUI: Within 2 years – DECLINE Within 2-5 years – STANDARD Over 5 years = PREFERRED Multiple offenses in last 5 years = DECLINE 0-17 = DECLINE | Within 5 years DUI or suspended or revoked = DECLINE | Within 2 yrs DUI or suspended or revoked = EIWL | |||||||||||||||||||||
25 | Family History | N/A | N/A | N/A | N/A | N/A | N/A | N/A | If parent or sibling has cancer or cardiac arrest before 60 = STANDARD | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | |||||||||||||||||||||||
26 | Marijuana Use | Can consider medical marijuana with a copy of the medical ID card and copy of medical records. Otherwise = DECLINE | Can consider medical marijuana with a copy of the medical ID card and copy of medical records. Otherwise = DECLINE | ROP | ROP | Can consider medical marijuana with a copy of the medical ID card and copy of medical records. Otherwise = DECLINE | Occasional Use-Smoker Rates | Occasional Use-Smoker Rates | CALL CARRIER Ask for frequecny and amount of use May be Non Tobacco | Recreational use (5x/wk) = ACCEPT W/NON TOBACCO RATES Medical Use: DEPENDS ON REASON More than 5X/week = MEDICAL EXAM SMART UL WITH Vaping marijuana is = TOBACCO RATE | Recreational, legal in state = Non Tobacco Preferred Illegal in state = Basic Death Benefit Non tobacco rate Vaping marijuana is = TOBACCO RATE | ACCEPT for both recreational and medicinal | N/A | ACCEPT W/NON NICOTINE RATES | ACCEPT W/NON NICOTINE RATES | Email NLG Quick Quotes underwritingquotes @nationallife.com | If used less than 4 times per week = ACCEPT W/POSSIBLE NICOTINE RATES | ACCEPT W/NON NICOTINE RATES | If legal in state, OR prescribed w/medical card, ACCEPT Smoker rates apply Otherwise-DECLINE | If legal in state, or prescribed w/medical card, PREMIER Smoker rates apply Otherwise-DECLINE | |||||||||||||||||||||
27 | Military | Active Military = ACCEPT as long as they are present to sign app- NO DI RIDER | Active Military = ACCEPT as long as they are present to sign app- NO DI RIDER | Active Military = ACCEPT as long as they are present to sign app- | Active Military = ACCEPT as long as they are present to sign app- | Active Military = ACCEPT as long as they are present to sign app- NO DI RIDER | Active Duty = ACCEPT; Deployed or have orders to be deployed in: Saudi Arabia, Iraq, Afghanistan, Syria, Somalia, Sudan, Yemen = DECLINE | NONE | Active Duty, no overseas deployment orders, stateside = ACCEPT | As long as they are not deployed or have plans to be deployed = ACCEPT | As long as they are not deployed or have plans to be deployed = ACCEPT | ACTIVE, stateside = ACCEPT Deployed= DECLINE | N/A | As long as they are not deployed or have plans to be deployed = ACCEPT; check avoaction list | ACCEPT | As long as they are not deployed or have plans to be deployed = ACCEPT; If plans to be deployed, email underwritingquotes@ nationallife.com | Active military = DECLINE National Guard or reserves if not on alert for or recieved orders to, or currently serving in a war zone or area of conflict or political instability = ACCEPT | ACCEPT | No Protector AD Active duty + deployed = PENDING UNDERWRITING; Must fill out Military Final Disclosure Form | No Protector AD Active duty + deployed = PENDING UNDERWRITING; Must fill out Military Final Disclosure Form | |||||||||||||||||||||
28 | Occupation | No occupations apply. Disability for Law Enforcement, Hazardous Occupations = DECLINE | No occupations apply. Disability for Law Enforcement, Hazardous Occupations = DECLINE | No occupations apply. Disability for Law Enforcement, Hazardous Occupations = DECLINE | No occupations apply. Disability for Law Enforcement, Hazardous Occupations = DECLINE | No occupations apply. Disability for Law Enforcement, Hazardous Occupations = DECLINE | Hazardous Occupations = DECLINE | NONE | Hazardous Occupations = CALL CARRIER | See Agent Guide | NONE | CHECK PG 1 OF AGENT GUIDE | Preferred Plus rate class may be available for pilots of major airlines flying in the US and Canada without any other aviation exposure. Preferred Plus and Preferred rate classes may be available with an Aviation Exclusion Rider for other aviation activity. | N/A | Check Avocation List; Police and Firemen ok | ACCEPT | Dangerous occupations or avocations are not accepted. Police, Commercial pilots = ACCEPT | Actively employed or a homemaker | ACCEPT | No Restrictions; Only on Protector AD Pilots/Crew Member= DELUXE | No Restrictions; Only on Protector AD Pilots/Crew Member = DELUXE WL | ||||||||||||||||||||
29 | Tobacco | PREFERRED TOBACCO FOR CHEW AND SNUFF ONLY CIGAR USE ONCE/3 MO. | CIGAR USE ONCE/3 MO.= NON TOBACCO | CIGAR USE ONCE/3 MO. = NON TOBACCO | CIGAR USE ONCE/3 MO.= NON TOBACCO | CIGAR USE ONCE/3 MO.= NON TOBACCO | Anything with Nicotine = SMOKER RATES | Non Tobacco Rates for 3 yrs; IF CLIENT DOES NOT NOTIFY CARRIER, FACE AMOUNT WILL AUTOMATICALLY BE REDUCED | Anything with Nicotine = SMOKER RATES | VAPING, CIGARS, CHEWING TOBACCO =NON TOBACCO SMART UL VAPING, CIGARS, CHEWING TOBACCO =TOBACCO | Vaping= NT One cigar/yr = TOBACCO USE | Vaping, Chantix and any other cessation products within 12 months are considered tobacco use | A tobacco user is considered to be anyone who has used tobacco in any form in the last 12 months. This includes: • cigarettes • cigars — only limited cigar usage may be considered for non-tobacco rates • pipes • smokeless tobacco • chewing tobacco / snuff • nicotine substitutes, including patches and gum • electronic (smokeless) cigarettes • vaping | N/A | Non-Smoker/Non-Nicotine Qualifications To qualify for non-nicotine rates, the proposed insured must not have used tobacco or nicotine products in any form (gum, patch, cigar, vaping, electronic cigarettes, hookah, etc.) within one year prior to the applications. We do not allow occasional cigar use to qualify for nontobacco rates with our simplified issue products. | uses application questions for underwriting; within 2 cigars/mo=NS | Nicotine use =Smoking Rate; Occasional Cigars less than 12 cigars/yr= NON TOBACCO; 12 or more cigars per year = TOBACCO | Nicotine use = NICOTINE RATE Occasional cigar use = NICOTINE RATE | Nicotine replacement, smoking or tobacco products in any form including, but not limited to the following: Nicotine gum, patch, or pills; cigarettes; cigars; pipe; chew; snuff; e-cigarettes; vape; hookah; or have used marijuana more than 12 times in the last 12 months | Nicotine use = Smoking Rate | Nicotine use = Smoking Rate | ||||||||||||||||||||
30 | |||||||||||||||||||||||||||||||||||||||||
31 | Medical Conditions | ||||||||||||||||||||||||||||||||||||||||
32 | |||||||||||||||||||||||||||||||||||||||||
33 | Activities of Daily Living | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GIWL GIWL REQUIRES VIDEO CONFERENCING OR IN PERSON APP | GRADED | |||||||||||||||||||
34 | AIDS | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
35 | AIDS Related Complex (ARC) | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
36 | ALS (Lou Gehrig's Disease) | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
37 | Alzheimers | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
38 | Amputation | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | Due to diabetes complications = DECLINE | DECLINE | DECLINE | ACCEPT | DECLINE | Due to diabetic complications = DECLINE | Rate for Cause | DECLINE | If accident or trauma = PREFERRED Hospitalization within a year = STANDARD Otherwise = DECLINE | ACCEPT- as long as they can complete the ADLs | PREMIER- as long as they can complete the ADL's | ||||||||||||||||||||
39 | Anemia | Iron deficiency on vitamins only= ACCEPT | Iron deficiency on vitamins only= ACCEPT | ACCEPT | ACCEPT | Iron deficiency on vitamins only= ACCEPT | Iron deficiency =ACCEPT; Pernicious Anemia = DECLINE | ACCEPT | Iron deficiency on vitamins only= ACCEPT | Iron deficiency on vitamins only= ACCEPT | Preferred Death Benefit | Iron deficiency on vitamins only= ACCEPT | ACCEPT | Iron deficiency on vitamins only= ACCEPT | ACCEPT | Rate for Cause | DECLINE | Diagnosis and/or treatment within three months = GRADED With activity credit = STANDARD Treatment over three months ago = PREFERRED | DECLINE | EIWL | |||||||||||||||||||||
40 | Aneurysm | DECLINE | DECLINE | Treatment within 2yrs= ROP Treatment within 3 yrs =GRADED | Over two years = ACCEPT | DECLINE | DECLINE | Over 1 year = ACCEPT | CALL CARRIER | DECLINE | Within 2 yrs of diagnosis or any duration of diagnosis if not repaired or removed = Basic Death Benefit (graded) | DECLINE | DECLINE Aortic aneurysm – recommended/ pending surgical repair OR surgical repair within six months = DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT FOR CANCER | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | No Rating | DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 5 years treated= ACCEPT maintenance ok | Over 2 years treated= PREMIER maintenance ok Over 1 year = EIWL | ||||||||||||||||||||
41 | Angina | DECLINE | DECLINE | Treatment within 2yrs= ROP Treatment within 3 yrs =GRADED Maintenance = ACCEPT | Over two years = ACCEPT | DECLINE | DECLINE | Over 1 year = ACCEPT | CALL CARRIER | DECLINE | Within 1 yr – Basic Death Benefit (graded) Within 2 yrs= Standard Death Benefit | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | Angina Pectoris = Table 6 to Decline | Diagnosed or treated within last 5 years = DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 5 years treated= ACCEPT maintenance ok | Over 2 years treated= PREMIER maintenance ok Over 1 year = EIWL | ||||||||||||||||||||
42 | Angioplasty | DECLINE | DECLINE | Over 3 years = ACCEPT | Over two years = ACCEPT | DECLINE | DECLINE | Over 1 year = ACCEPT | CALL CARRIER | DECLINE | Within 1 yr – Basic Death Benefit (graded) Within 2 yrs= Standard Death Benefit | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 5 yrs treated= ACCEPT maintenance ok | Over 2 years treated= PREMIER maintenance ok Over 1 year = EIWL | ||||||||||||||||||||
43 | Anxiety | 1-2 mild meds, situational = ACCEPT Major depression (3+meds), bipolar = DECLINE | 1-2 mild meds, situational = ACCEPT Major depression (3+meds), bipolar = DECLINE | ACCEPT | ACCEPT | 1-2 mild meds, situational = ACCEPT Major depression (3+meds), bipolar = DECLINE | Mild or situational, diagnosed within 6 months or hospitalized for = DECLINE | Treated with meds= ACCEPT Within 6 months hospitalized for 48 hours or more= DECLINE | 1-2 mild meds, situational = STANDARD Major depression (3+meds), bipolar, drug or alcohol use = RATED TO DECLINE | MILD; Diagnosed over 25 ; Onset over 1 yr, no hospitalization or time off work= ACCEPT Severe= DECLINE | Preferred Death Benefit, check meds | ACCEPT If hospitalized within 5 yrs ago = DECLINE | ACCEPT | Hopitalized within 10 yrs = DECLINE Otherwise = ACCEPT | No history of bipolar or schizophrenia = ACCEPT | Mild = No Rating | Major anxiety requiring 3 or more meds, or that led to loss of work witihin last 5 years = DECLINE | PREFERRED Hospitalization within a year = STANDARD | ACCEPT; Hospitalized 2 or more times in last 12 months =DECLINE | PREMIER | |||||||||||||||||||||
44 | Arrhythmia | DECLINE | DECLINE | Controlled with no procedures over 3 years = ACCEPT. | Over two years = ACCEPT | DECLINE | DECLINE | Rhythm disorders = ACCEPT Surgery like ablation over 1 yr = ACCEPT | CALL CARRIER | DECLINE; Murmur “innocent”, no symptoms, no treatment = ACCEPT | Within 1 yr – Basic Death Benefit (graded) Within 2 yrs= Standard Death Benefit | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | No Rating to Moderate; Murmur (mitral)- Moderate Rating to Decline | Diagnosed or treated within last 5 years = DECLINE | PREFERRED Hospitalization within a year = STANDARD | DECLINE | EIWL | ||||||||||||||||||||
45 | Arthritis-Osteo | ACCEPT-as long as no disability | ACCEPT-as long as no disability | ACCEPT | ACCEPT | ACCEPT-as long as no disability | Debilitating or disabling = DECLINE Psoriatic or inflammatory diag. <6 mos, steroid, biologics, infusion therapy, or steroid use = DECLINE | ACCEPT | ACCEPT-as long as no disability | ACCEPT | Preferred Death Benefit | ACCEPT; Check meds | ACCEPT-check meds | ACCEPT | ACCEPT-check meds | ACCEPT-check meds | No Rating/Moderate rating | ACCEPT | PREFERRED; Disbaled due to chronic pain = GRADED | ACCEPT-as long as no disability Disability= DELUXE | PREMIER-as long as no disability Disability= DELUXE | ||||||||||||||||||||
46 | Asthma | Mild, occasional brief episodes, allergic, seasonal=ACCEPT Moderate, more than 1 episode a month = ACCEPT Severe, hospitalization or ER in 12 mos = DECLINE maintenance steroid use = DECLINE combined w/tobacco= DECLINE ORAL STEROIDS = DECLINE | Mild, occasional brief episodes, allergic, seasonal=ACCEPT Moderate, more than 1 episode a month = ACCEPT Severe, hospitalization or ER in 12 mos =DECLINE maintenance steroid use = DECLINE combined w/tobacco =DECLINE ORAL STEROIDS = DECLINE | As long as no COPD inhaler = ACCEPT Tobacco use= DECLINE | Mild, occasional brief episodes, allergic, seasonal=ACCEPT Moderate, more than 1 episode a month = ACCEPT Severe, hospitalization or ER in 12 mos =DECLINE maintenance steroid use = DECLINE combined w/tobacco =DECLINE ORAL STEROIDS = DECLINE | Steroid use=DECLINE Hospitalized or ER visit 12 months = DECLINE Well controlled/ seasonal allegies= ACCEPT | Chronic Asthma = ACCEPT; Chronic bronchitis, COPD, or other resp issue = DECLINE | Mild, occasional brief episodes, allergic, seasonal=ACCEPT Smoker, steroid inhaler = CALL CARRIER | Mild/Moderate with standard weight= ACCEPT even if they smoke Severe, hospitalization =DECLINE | Preferred Death Benefit; check meds | ACCEPT; Check meds | ACCEPT | Chronic/severe DECLINE Steroid Use=DECLINE | Mild=ACCEPT Chronic =DECLINE | No Rating to Decline | In the last 5 years, Yes to Asthma, No to hospitaliztion = SELECT Yes to Asthma, Yes to hospitaliztion, emergency room or immediate care center visit = DECLINED | Mild (no daily symptoms, no limitations to daily activities, no reduced long function, no regular use of steroids and no ER visits or hospitalizations due to asthma in last 5 years = PREFERRED Chronic = STANDARD With Activity Credit = PREFERRED See COPD for qualifications for activity credit | Controlled asthma, no hospitalization in 2 years = ACCEPT | Controlled asthma, no hospitalization in 2 years = PREMIER | ||||||||||||||||||||||
47 | Asthma-Steroid Inhaler | DECLINE | DECLINE | No COPD inhaler=ACCEPT; Tobacco use=DECLINE | DECLINE | DECLINE | Chronic Asthma = ACCEPT; Chronic bronchitis, COPD, or other resp issue = DECLINE | CALL CARRIER | Mild/Moderate with standard weight= ACCEPT (even if they smoke) Severe, hospitalization =DECLINE | Preferred Death Benefit; check meds | DECLINE | ACCEPT | DECLINE | DECLINE | Using daily, filled monthly chronic = DECLINE | Mild-under control ACCEPT | In the last 5 years, Yes to Asthma, No to hospitaliztion = SELECT Yes to Asthma, Yes to hospitaliztion = DECLINED | Chronic = STANDARD Medication dependent on COPD meds = STANDARD With Activity Credit = PREFERRED See COPD for qualifications for activity credit | Controlled asthma, no hospitalization in 2 years = ACCEPT | Controlled asthma, no hospitalization in 2 years = PREMIER | |||||||||||||||||||||
48 | Atrial Fibrillation (A-Fib) | DECLINE | DECLINE | Controlled with no procedures over 3 yrs = ACCEPT; Surgery like ablation over 3 yrs = ACCEPT | Over two years = ACCEPT | DECLINE | DECLINE | Rhythm disorders = ACCEPT Surgery like ablation over 1 yr = ACCEPT | CALL CARRIER | DECLINE | Within 1 yr – Basic Death Benefit (graded) Within 2 yrs= Standard Death Benefit | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 years = ACCEPT; Within 2 years = GRADED Blood thinners= DECLINE | No Rating to Moderate Rating | Diagnosed or treated within last 5 years = DECLINE | PREFERRED Hospitalization within a year = STANDARD | EIWL Defibrillator-DECLINE | EIWL Defibrillator-DECLINE | ||||||||||||||||||||
49 | Autism | Must be HIGHLY FUNCTIONING: able to work at least 30 hours, recieve no disability, and not need help with ADL'S = ACCEPT Otherwise = DECLINE | Must be HIGHLY FUNCTIONING: able to work at least 30 hours, recieve no disability, and not need help with ADL'S = ACCEPT Otherwise = DECLINE | Must be HIGHLY FUNCTIONING: Able to not need help with ADL'S or need home health care= ACCEPT Otherwise = DECLINE | DECLINE | Must be HIGHLY FUNCTIONING: able to work at least 30 hours, recieve no disability, and not need help with ADL'S = ACCEPT Otherwise = DECLINE | DECLINE | Must be HIGHLY FUNCTIONING: Able to not need help with ADL'S or need home health care= ACCEPT Otherwise = DECLINE | Severe = DECLINE Otherwise CALL CARRIER | DECLINE | Must be HIGHLY FUNCTIONING: If not confined to a wheelchair or requires help with ADLs, = Preferred Death Benefit. Otherwise = DECLINE | DECLINE | DECLINE | DECLINE if cannot understand application and cannot sign | DECLINE | Must be HIGHLY FUNCTIONING: If not confined to a wheelchair or requires help with ADLs, = ACCEPT PHI MAY BE REQUIRED Otherwise = DECLINE | Must be HIGHLY FUNCTIONING: able to work at least 30 hours, recieve no disability, and not need help with ADL'S = POSS ACCEPT Otherwise = DECLINE" Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | 0-17 = DECLINE; Highly functioning adult-over 18 and over-must be able to do PHI and work 30 hours (not disabled) = PREFERRED All others = DECLINE | If they can answer questions, do the PHI, and no disability = ACCEPT; If they can answer questions, do the PHI, and yes to disability = TERM DELUXE | If they can answer questions, do the PHI, and no disability = PREMIER ; If they can answer questions, do the PHI, and yes to disability = DELUXE | ||||||||||||||||||||
50 | Bi-Polar Disorder | DECLINE | DECLINE | ACCEPT | Over two years = ACCEPT Suicide attempt EVER = DECLINE | DECLINE | DECLINE | Treated with meds= ACCEPT Within 6 months hospitalized for 48 hours or more= DECLINE | CALL CARRIER Highly Rated | DECLINE | Treated with meds= Preferred Death Benefit; Within 1 yr hospitalization= DECLINE | ACCEPT If hospitalized within 5 yrs ago = DECLINE | Less than one year from diagnosis =DECLINE | ACCEPT | DECLINE | Over 4 yrs =ACCEPT Within 4 years = GRADED | No related disability or hospitalization = POSS Express Standard NT1 Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | PREFERRED Hospitalization within a year = STANDARD 0-17 = DECLINE | TERM DELUXE; Hospitalized 2 or more times in last 12 months =DECLINE | DELUXE WL | ||||||||||||||||||||
51 | Blood Clots | Single episode, full recover, no current medication = ACCEPT 2 or more episodes, continuing anticoagulant treatment = DECLINE | Single episode, full recover, no current medication = ACCEPT 2 or more episodes, continuing anticoagulant treatment = DECLINE | Treated with meds=ACCEPT; Over 3 yrs surgery=ACCEPT | Over two years = ACCEPT | Single episode, full recover, no current medication = ACCEPT 2 or more episodes, continuing anticoagulant treatment = DECLINE | DECLINE | Treated with meds= ACCEPT Within 1 year of surgery= DECLINE | CALL CARRIER | DECLINE | Treated with meds= Preferred Death Benefit; Within 1 yr surgery= Basic Death Benefit (graded) | ACCEPT | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | ACCEPT Check medications on drug exclusion list (some blood thinners are not accepted) | ACCEPT Check medications on drug exclusion list (some blood thinners are not accepted) | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 5 yrs since diagnosis and/or last treatment ACCEPT Maintenance ok | Over 2 yrs diagnosis, last treatment PREMIER Maintenance ok | ||||||||||||||||||||
52 | Brain Tumor- Non Cancerous | Cancerous over 8 YRS=ACCEPT MAINT MED = DECLINE NON CANCER-DO RA WITH CARRIER | Cancerous over 7 YRS=ACCEPT MAINT MED = DECLINE NON CANCER-DO RA WITH CARRIER | Over 3 YRS = ACCEPT; and can perrform ADL's Pending procedur= -ROP | Over two years = ACCEPT | Cancerous over 8 YRS = ACCEPT MAINT MED = DECLINE NON CANCER-DO RA WITH CARRIER | Benign or malignant = DECLINE | DECLINE | CALL CARRIER | DECLINE | Within 2 yrs of diagnosis or any duration of diagnosis if not removed = Basic Death Benefit (graded) | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for heart attack and stroke policies | ACCEPT If caused permanent cognitive impairment req help w/ADL's or diability = DECLINE | ACCEPT Regular check upsare ok. If caused permanent cognitive impairment req help w/ADL's or diability = DECLINE | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | See Cancer | Over 5 years = ACCEPT | Over 2 years treated= PREMIER maintenance ok Over 1 year = EIWL | ||||||||||||||||||||
53 | Bronchitis-Chronic | Chronic=DECLINE Acute=ACCEPT | Chronic=DECLINE Acute=ACCEPT | Chronic=DECLINE Acute=ACCEPT | Over two years = ACCEPT | Chronic=DECLINE Acute=ACCEPT | DECLINE | DECLINE | Chronic=DECLINE Acute=ACCEPT | Chronic=DECLINE Acute=ACCEPT | Standard Death Benefit | DECLINE | DECLINE | ACCEPT | DECLINE | GRADED | No Rating to Decline | In the last 5 years, Yes to Asthma, No to hospitaliztion = SELECT Yes to Asthma, Yes to hospitaliztion = DECLINED | STANDARD With Activity Credit = PREFERRED See COPD for qualifications for activity credit | Mild = ACCEPT | Mild = ACCEPT | ||||||||||||||||||||
54 | Cancer | Basal/squamous= ACCEPT 8 yrs since treatment, no recurrence= ACCEPT Hodgkin's Disease = DECLINE | Basal/squamous= ACCEPT 7 yrs since treatment, no recurrence = ACCEPT Hodgkin's Disease = DECLINE | Treated over 3 yrs = ACCEPT Basal cancer= ACCEPT Multiple occurrences of cancer = RETURN OF PREMIUM Recurrences of SAME internal cancer= DECLINE MAINTENANCE MEDS within 3 years = DECLINE | Over two years = ACCEPT Multiple occurrences of cancer = DECLINE Recurrences of SAME internal cancer= DECLINE METASTATIC CANCER = DECLINE | Basal/squamous= ACCEPT 8 yrs since treatment, no recurrence = ACCEPT Hodgkin's Disease = DECLINE | Benign or malignant = DECLINE | Over 2 yrs = ACCEPT; Basal Cell= ACCEPT 2 or more occurences of same type of cancer = DECLINE Multiple occurrences or recurrences of internal cancer= DECLINE Basal Cell = Preferred Death Benefit MAINTENANCE MEDS within 2 years = DECLINE | CALL CARRIER | Within 10 YRS = DECLINE; Basal cell = ACCEPT Cancer with treatment completed over 10 years, with no recurrence, or recommended treatment = ACCEPT | If diagnosis or treatment within 3 years = Basic Death Benefit (graded) Multiple occurrences or recurrences of internal cancer= DECLINE | DECLINE Squamous/Basal = ACCEPT | DECLINE Contact underwriting before submitting if a cancer diagnosis or treatment within the last 12 months, multiple cancer history, or recurrence | Within the last ten years, have been diagnosed, treated or consulted with a medical professional for cancer = DECLINE ACCEPT for heart attack and stroke | DECLINE Squamous/Basal = ACCEPT | Over 4 yrs = ACCEPT; Squamous/Basal Skin Cancer= ACCEPT Within 4 years = GRADED Within 2 years = DECLINE Metastatic or Recurrent Cancer of same type =DECLINE MAINTENANCE MEDS within 4 yrs = DECLINE | Email NLG Quick Quotes underwritingquickquotes @nationallife.com Basal Cell-Usually Standard | Less than 10 years (excluding basal and squamous cancers) = DECLINE Multiple occurrences or recurrences of internal cancer= DECLINE | Within two years =DECLINE Basal Cell = ACCEPT Metastatic Cancer, recurrent or multiple cancers = DECLINE Over 2 years = STANDARD 0-17 = DECLINE | Over 5 yrs= ACCEPT Maintenance ok Multiple occurrences or recurrences of internal cancer= DECLINE MAINTENANCE MEDS = ACCEPT | Over 2 yrs= PREMIER Maintenance ok Multiple occurrences or recurrences of internal cancer= DECLINE MAINTENANCE MEDS = ACCEPT | ||||||||||||||||||||
55 | Cardiomyopathy | DECLINE | DECLINE | RETURN OF PREMIUM | Over two years = ACCEPT | DECLINE | DECLINE | DECLINE | CALL CARRIER | DECLINE | DECLINE | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional for cancer = DECLINE ACCEPT for cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | Present, chronic = DECLINE; Resolved over 3 yrs = Table 4 to DECLINE | DECLINE | PREFERRED Hospitalized within 1 year = STANDARD | PHI-case by case | |||||||||||||||||||||
56 | Cerebral Palsy | DECLINE | DECLINE | If not confined to a wheelchair if mobile, no home health, no adl issues, no cognitive issues = GRADED. Otherwise, DECLINE | DECLINE | DECLINE | If not confined to a wheelchair or requires help with ADLs, ACCEPT. Otherwise, DECLINE | CALL CARRIER | DECLINE | If not confined to a wheelchair or requires help with ADLs, = Preferred Death Benefit Otherwise, DECLINE | DECLINE | DECLINE | ACCEPT | DECLINE | As long as no assistance w/ADLs or disability = ACCEPT Otherwise = DECLINE | Table 4 to DECLINE | DECLINE | DECLINE | If can perform all the ADL's, sign app, do PHI = ACCEPT Disability = DELUXE TERM | If can perform all the ADL's, sign app, do PHI = PREMIER Disability = DELUXE | |||||||||||||||||||||
57 | Circulatory Issues/ Surgeries | DECLINE | DECLINE | Diagnosed or had procedure over 3 yrs = ACCEPT Maintenance meds ok; Procedures within 3 years = DECLINE | Over two years = ACCEPT | DECLINE | DECLINE | Over 1 year = ACCEPT | CALL CARRIER | Surgery = DECLINE | Within 1 yr – Basic Death Benefit (graded) Within 2 yrs= Standard Death Benefit | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | Over 2 years = ACCEPT; Within 2 years = GRADED Check medication exclusion list | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 5 yrs diagnosis last treatment =ACCEPT Maintenance ok | Over 2 yrs diagnosis, last treatment= PREMIER Maintenance ok | ||||||||||||||||||||
58 | Cirrhosis of Liver | DECLINE | DECLINE | diagnosed within 2 yrs= ROP diagnosed/hospitalized within 3 years = GRADED | Over two years = ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | STANDARD Hospitalization within a year = GRADED | DECLINE | EIWL | GRADED | |||||||||||||||||||
59 | Crohns Disease | Diagnosed prior to age 20 or in last 12 mos = DECLINE; all others = check med list | Diagnosed prior to age 20 or in last 12 mos = DECLINE; all others = check med list | ACCEPT | ACCEPT | Diagnosed prior to age 20 or in last 12 mos = DECLINE; all others = check med list | DECLINE | ACCEPT | CALL CARRIER | Over 5 YEARS in remission= ACCEPT | Mild to moderate, intermittent = Preferred Death Benefit | If diagnosed or hospitalized in 6 last months = DECLINE; CHECK MEDS | ACCEPT | diagnosed prior to age 20 or in last 12 mos =DECLINE; All others =check med list | DECLINE | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | ACCEPT-STANDARD | PREFERRED Hospitalization within a year = STANDARD | ACCEPT | PREMIER | |||||||||||||||||||||
60 | Congestive Heart Failure | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE until pregnancy completed Resolved post pregnancy = ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional for cancer = DECLINE ACCEPT for Cancer policy | DECLINE | DECLINE | DECLINE | DECLINE | GRADED With Activity Credit = STANDARD Hospitalization within a year = DECLINE See COPD for qualifications for activity credit 0-17 = DECLINE | DECLINE | EIWL | GRADED | |||||||||||||||||||
61 | COPD | DECLINE | DECLINE | Medically diagnosed or treated within 2 years= ROP Been medically diagnosed or treated, or hospitalized for, or taken medication for within 3 years = GRADED | Over two years = ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | Mild ONLY-NO OXYGEN, NO STEROIDS, non smoker Questionaire required SMART UL = DECLINE | Standard Death Benefit (76-85 IN PERSON WET SIGNATURE REQUIRED) | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | GRADED | Table 2 to DECLINE | DECLINE | STANDARD Hospitalization within a year = DECLINE With Activity Credit = PREFERRED Qualifications for Activity Credit: Routine activities (3 days/week of more than ten minutes of exercise) as walking the dog, gardening, mowing the yard, or other jobs requiring manual labor. Activity can also include jogging, running, using an elliptical, rowing machine, stationary bike, lifting weights, or other common exercises | DECLINE | EIWL as long as no Oxygen | ||||||||||||||||||||
62 | COVID-19 | Diagnosis within 90 days = DECLINE | Diagnosis within 90 days = DECLINE | Diagnosis within 90 days = ROP Over 90 days since diagnosis = ACCEPT | Diagnosis within 90 days = DECLINE | Within 90 days Hospitalized or in facility or used mechanical breathing aid; Within 6 months having residual ongoing respiratory damage; Within 30 days of unexplained symptoms; Within 6 months having blood work showing COVID-19 antibodies = DECLINE | Within 90 days Hospitalized or in facility or used mechanical breathing aid; Within 6 months having residual ongoing respiratory damage; Within 30 days of unexplained symptoms; Within 6 months having blood work showing COVID-19 antibodies = DECLINE | Fully recovered and no hospitaliztion = ACCEPT Otherwise = CALL CARRIER | Over 60 days from positive test or Hospitalization for 2 days or less AND fully recovered = ACCEPT Hospitalization over 2 days and/or used mechanical breathing aid = FULLY UNDERWRITTEN Oxygen use = DECLINE Exposed or travelled outside of US must wait 14 days to apply | Over 90 days of being hospitalized or in facility = Preferred Death Benefit Positive test or diagnosis within 30 days = Basic Death Benefit (graded) Oxygen use = DECLINE Exposed or travelled outside of US must wait 14 days to apply | Six months after full recovery = ACCEPT | ACCEPT | More than 90 days from positive test and/or: More than 90 days since hospitalization w/o oxygen Over 30 days from exposure = ACCEPT NOTE- MOO DOES NOT ASK ABOUT COVID. AS LONG NO OXYGEN USE = ACCEPT | More than 90 days from positive test and/or: More than 90 days since hospitalization w/o oxygen Over 30 days from exposure = ACCEPT NOTE- MOO DOES NOT ASK ABOUT COVID. AS LONG NO OXYGEN USE = ACCEPT | Not hospitalized, no ventialtor, fully recovered for 60 days = ACCEPT Hospitaized and/or ventiallator use Email NLG Quick Quotes underwritingquickquotes @nationallife.com | Within last 30 days or under current treatment = DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 30 days recovered with no complications = ACCEPT Hospitalization is on a case by case basis Oxygen = DECLINE | Over 30 days recovered with no complications = ACCEPT Hospitalization is on a case by case basis Oxygen = DECLINE | ||||||||||||||||||||||
63 | CPAP w/No Oxygen | combined w/overweight or high blood pressure= DECLINE | combined w/overweight or high blood pressure = DECLINE | ACCEPT | ACCEPT | combined w/overweight or high blood pressure = DECLINE | ACCEPT | ACCEPT | ACCEPT | ACCEPT | Preferred Death Benefit | ACCEPT | Sleep apnea – severe and untreated =DECLINE | ACCEPT | Combined w/overweight or high blood pressure= DECLINE | ACCEPT | With consistent cpap use= Possible Standard | In the last 5 years: If it is being treated = SELECT If it is not being treated = STANDARD | CPAP/treatment without supplemental oxygen – PREFERRED | ACCEPT | PREMIER | ||||||||||||||||||||
64 | CPAP w/Oxygen | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | STANDARD | DECLINE | GIWL GIWL REQUIRES VIDEO CONFERENCING OR IN PERSON APP | GRADED | |||||||||||||||||||
65 | Cystic Fibrosis | DECLINE | DECLINE | Underwriting depends on complications: COPD, ETC | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | As long as no oxygen use = Standard Death Benefit (76-85 IN PERSON WET SIGNATURE REQUIRED) | DECLINE | DECLINE | ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | EIWL | |||||||||||||||||||||
66 | Defibrillator | DECLINE | DECLINE | Installed over 2 years ago = ACCEPT | Over two years = ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | Implant within 1 yr = Basic Death Benefit (graded) Implant within 2 yrs = Standard Death Benefit Same for Pacemakers | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | DECLINE | DECLINE | PREFERRED Hospitalization within a year = STANDARD | Installed over 5 yrs and as long as no complications= ACCEPT | Installed over 2 yrs and as long as no complicationa = PREMIER | ||||||||||||||||||||
67 | Depression | Anxiety 1-2 meds= ACCEPT 3+ meds, major depression = DECLINE | Anxiety 1-2 meds= ACCEPT 3+ meds, major depression = DECLINE | Attempted suicide over 1 yr = ACCEPT As long as no other history of hospitalization | ACCEPT Suicide attempt EVER = DECLINE | Anxiety 1-2 meds= ACCEPT 3+ meds, major depression = DECLINE | Mild = ACCEPT; Chronic, Major Depression= DECLINE | Treated with meds= ACCEPT >6 months hospitalized for 48 hours or more= DECLINE | Anxiety 1-2 meds= STANDARD 3+ meds, major depression = DECLINE | MILD within 25 ; Onset over 1 year: no hospitalization, time off work = ACCEPT Severe= DECLINE | Treated with meds= Preferred Death Benefit; Within 1 yr hospitalization= DECLINE | ACCEPT Check Meds If hospitalized within 10 yrs ago = DECLINE | Depressive disorder — severe = DECLINE | ACCEPT | Hopitalized within 10 yrs = DECLINE Otherwise = ACCEPT | Controlled w/med = ACCEPT Hospitalization within 2 years= DECLINE | No Rating to DECLINE | Major depression requiring 3 or more meds, or that led to loss of work witihin last 5 years = DECLINE | PREFERRED Hospitalization within a year = STANDARD | ACCEPT; Hospitalized 2 or more times in last 12 months =DECLINE | PREMIER | ||||||||||||||||||||
68 | Dementia | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
69 | Diabetes | Diagnosed over 35 = ACCEPT Diagnosed under 35 = DECLINE Insulin = DECLINE Oral med 35+ = ACCEPT A1C over 8.5 = DECLINE | Diagnosed over 35 = ACCEPT Diagnosed under 35= DECLINE Insulin = DECLINE Oral med 35+ = ACCEPT A1C over 8.5 = DECLINE | Diagnosed over 35 = ACCEPT Start insulin over 50 = ACCEPT Start insulin under 50 = ROP Complications = DECLINE Insulin shock/diabetic coma treatment = DECLINE | Diagnosed over 35 = ACCEPT Diagnosed under 35= DECLINE Insulin = DECLINE Oral med 35+ = ACCEPT A1C over 8.5 = DECLINE | Diagnosed over 35 = ACCEPT Taking 3 or more meds = DECLINE Diagnosed under 35, Insulin Use, complications, OR combined with smoking and High Blood Pressure = DECLINE | ACCEPT | CALL CARRIER | TYPE 2 Current age 20-29, duration since diagnosis within 5 yrs Current age 30+ any duration since diagnosis Oral medication or diet; and good control; and non-smoker or less than 1 pack/day = ACCEPT | Preferred Death Benefit; no age minimum for diagnosis | Diagnosed over 40 = ACCEPT; Insulin= ACCEPT | Diabetes with significant complications or A1C >10.0 = DECLINE | Type 1, Type II: Diagnosed under age of 30, = DECLINE If A1C greater than 7.0 within the last 12 months, or with tobacco use = DECLINE | BELOW Table 2 BUILD Before 45 = DECLINE After 45 w/Pills = ACCEPT After 45 w/Insulin = ACCEPT Complications = DECLINE DOES NOT ASK ABOUT A1C | After 45 w/Pills = ACCEPT After 45 w/Insulin = ACCEPT Before 45 = GRADED Complications = GRADED | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | Requiring insulin OR age nearest less than 40 OR age nearest 40+ with A1C greater than 7 = DECLINE | STANDARD Hospitalization within a year = GRADED 0-17 = DECLINE | Pills = ACCEPT Insulin =DELUXE TERM | Pills= PREMIER Insulin =DELUXE | |||||||||||||||||||||
70 | Diabetes-Gestational | DECLINE until pregnancy completed | DECLINE until pregnancy completed | NA | N/A | DECLINE until pregnancy completed | DECLINE until pregnancy completed | NA | DECLINE until pregnancy completed Resolved post pregnancy = ACCEPT | DECLINE until pregnancy completed | N/A | DECLINE until pregnancy completed | DECLINE until pregnancy completed | ACCEPT | DECLINE until pregnancy completed | N/A | DECLINE until pregnancy completed | Requiring insulin OR age nearest less than 40 OR age nearest 40+ with A1C greater than 7 = DECLINE | DECLINE until pregnancy completed | DECLINE until pregnancy completed | DECLINE until pregnancy completed | ||||||||||||||||||||
71 | Diabetes-Gout | DECLINE | DECLINE | ACCEPT | ACCEPT | DECLINE | ACCEPT | ACCEPT | CALL CARRIER | ACCEPT | Preferred Death Benefit | ACCEPT | See Diabetes | DECLINE | DECLINE | No Rating | Requiring insulin OR age nearest less than 40 OR age nearest 40+ with A1C greater than 7 = DECLINE | STANDARD Hospitalization within a year = GRADED 0-17 = DECLINE | ACCEPT | PREMIER | |||||||||||||||||||||
72 | Diabetes-Insulin | DECLINE | DECLINE | Over 50 = ACCEPT Insulin before 50 = RETURN OF PREMIUM | Over 50 = ACCEPT Before 50 = DECLINE | DECLINE | DECLINE | Insulin w/ NO COMPLICATIONS = ACCEPT | CALL CARRIER Mostly declines | Current age 40-59, duration since diagnosis less than 5 years Current age 60+, duration since diagnosis under 25 years Good control; and non smoker or less than 1 pack/day =ACCEPT SMART UL = DECLINE; FULLY UNDERWRITTEN = OK | Preferred Death Benefit | Diagnosed over 40 = ACCEPT; Insulin= ACCEPT | See Diabetes | Diagnosis and insulin Over 45 = APPROVE Under 45 = DECLINE | After 45 w/Insulin= ACCEPT | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | STANDARD Hospitalization within a year = GRADED 0-17 = DECLINE | DELUXE TERM | DELUXE | |||||||||||||||||||||
73 | Diabetic Neuropathy | No history of gout, a1c is less than 8.5, diabetes was diagnosed after age 35, no other complications, no tobacco x 12 months, no medication changes or er visits x 12 months, and is working full time =ACCEPT | No history of gout, a1c is less than 8.5, diabetes was diagnosed after age 35, no other complications, no tobacco x 12 months, no medication changes or er visits x 12 months, and is working full time =ACCEPT | RETURN OF PREMIUM | DECLINE | No history of gout, a1c is less than 8.5, diabetes was diagnosed after age 35, no other complications, no tobacco x 12 months, no medication changes or er visits x 12 months, and is working full time =ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | Basic Death Benefit (graded) (76-85 IN PERSON WET SIGNATURE REQUIRED) | DECLINE | DECLINE | See Diabetes | DECLINE | Any diabetes complications = GRADED | DECLINE | DECLINE | ACCEPT 0-17 = DECLINE | DECLINE | GIWL GIWL REQUIRES VIDEO CONFERENCING OR IN PERSON APP | ||||||||||||||||||||
74 | Diabetic Retinopathy | DECLINE | DECLINE | RETURN OF PREMIUM | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | Basic Death Benefit (graded) (76-85 IN PERSON WET SIGNATURE REQUIRED) | DECLINE | DECLINE | See Diabetes | DECLINE | Any diabetes complications = GRADED | DECLINE | DECLINE | ACCEPT 0-17 = DECLINE | DECLINE | GIWL GIWL REQUIRES VIDEO CONFERENCING OR IN PERSON APP | ||||||||||||||||||||
75 | Diabetes w/Smoking | DECLINE | DECLINE | ACCEPT | ACCEPT | DECLINE | Smoking, High Blood Pressure, AND Diabetes = DECLINE | ACCEPT | CALL CARRIER | Less than 1 pack/day = ACCEPT | ACCEPT | DECLINE | See Diabetes | DECLINE | ACCEPT | DECLINE | DECLINE | STANDARD Hospitalization within a year = GRADED 0-17 = DECLINE | ACCEPT | PREMIER | |||||||||||||||||||||
76 | Gabapentin | ACCEPT Used for grand mal seizures = DECLINE DECLINE FOR DIABETES | ACCEPT Used for grand mal seizures = DECLINE DECLINE FOR DIABETES | ACCEPT Used for grand mal seizures =DECLINE DECLINE FOR DIABETES | ACCEPT DECLINE FOR DIABETES | ACCEPT Used for grand mal seizures = DECLINE DECLINE FOR DIABETES | ACCEPT DECLINE FOR DIABETES | ACCEPT DECLINE FOR DIABETES | CALL CARRIER | ACCEPT DECLINE FOR DIABETES | Seizures- Preferred Death Benefit Nueropathy- Basic Death Benefit (graded) | ACCEPT DECLINE FOR DIABETES | DECLINE DECLINE FOR DIABETES | ACCEPT | ACCEPT- as long as no history of diabetes or diabetic meds DECLINE FOR DIABETES | ACCEPT- as long as no history of diabetes or diabetic meds DECLINE FOR DIABETES | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE DECLINE FOR DIABETES | PREFERRED Hospitalization within a year = STANDARD OK FOR DIABETES | ACCEPT DECLINE FOR DIABETES | ACCEPT DECLINE FOR DIABETES | ||||||||||||||||||||
77 | Down's Syndrome | DECLINE | DECLINE | Mild - Must have mental compacity to understand application,ability to answer questions= ACCEPT Otherwise DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE if cannot sign nor understnd the application | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | If they can answer questions, do the PHI, print and sign ther name, and no disability = ACCEPT; If they can answer questions, do the PHI, and yes to disability = TERM DELUXE | If they can answer questions, do the PHI, print and sign ther name, and no disability = PREMIER; If they can answer questions, do the PHI, and yes to disability = DELUXE | ||||||||||||||||||||
78 | Diverticulitis | Acute with full recovery- ACCEPT | Acute with full recovery- ACCEPT | ACCEPT | ACCEPT | Acute with full recovery- ACCEPT | ACCEPT | ACCEPT | CALL CARRIER | Acute with full recovery- ACCEPT | Mild to moderate, intermittent = Preferred Death Benefit | ACCEPT | ACCEPT | ACCEPT- no DI Rider | ACCEPT | No Rating to Moderate Rating | ACCEPT | PREFERRED Hospitalization within a year = STANDARD | ACCEPT-as long as no disability | PREMIER-as long as no disability | |||||||||||||||||||||
79 | Emphysema | DECLINE | DECLINE | No treatment = ACCEPT | Over two years = ACCEPT | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | Standard Death Benefit (76-85 IN PERSON WET SIGNATURE REQUIRED) | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack and cancer policies | DECLINE | GRADED | Table 4 to DECLINE | DECLINE | STANDARD With Activity Credit = PREFERRED See COPD for qualifications for activity credit | DECLINE | DECLINE | ||||||||||||||||||||
80 | Endometriosis | Non Cancerous = ACCEPT | Non Cancerous = ACCEPT | ACCEPT | ACCEPT | Non Cancerous = ACCEPT | Non Cancerous = ACCEPT | Non Cancerous = ACCEPT | Non Cancerous, no complications = STANDARD | Non Cancerous = ACCEPT | Non Cancerous = Preferred Death Benefit | Non Cancerous = ACCEPT | ACCEPT | Non Cancerous = ACCEPT | Non Cancerous = ACCEPT | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | Non Cancerous = ACCEPT | PREFERRED Hospitalization within a year = STANDARD | ACCEPT | ACCEPT | |||||||||||||||||||||
81 | Epilepsy | Petit mal = ACCEPT All others= DECLINE | Petit mal = ACCEPT All others= DECLINE | If no seizures for three years and no meds =APPROVED Meds and seizures within 3 years = GRADED | Petit mal = ACCEPT All others= DECLINE | Grand mal/PETIT MAL within 6 months DECLINE- Over 6 months CALL CARRIER | Treated with meds= ACCEPT Within 6 months hospitalized for 48 hours or more= DECLINE | CALL CARRIER | Controlled on meds, no seizures within two years and no complications = ACCEPT | Treated with meds= Preferred Death Benefit; Within 1 yr hospitalization= DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack and cancer policies | DECLINE | DECLINE | Epilepsy, petit mal - no attack in one year = No Rating Epilepsy, grand mal/others - no attack over 1 yr = No Rating to Moderate Rating | Diagnosed or treated within last 5 years = DECLINE | PREFERRED Hospitalization within a year = STANDARD CHECK MEDS | Controlled, no seizures over 5 yrs = ACCEPT | Controlled, no seizures over 2 yrs = PREMIER | ||||||||||||||||||||||
82 | Erectile Dysfunction | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | Preferred Death Benefit | ACCEPT | ACCEPT | DECLINE | ACCEPT | No Rating | ACCEPT | PREFERRED | ACCEPT | PREMIER | |||||||||||||||||||||
83 | Fibromyalgia | ACCEPT, check meds | ACCEPT check meds | ACCEPT | ACCEPT | ACCEPT check meds | DECLINE | ACCEPT | CALL CARRIER | No depression, working full-time = ACCEPT | Preferred Death Benefit | ACCEPT check meds | ACCEPT | ACCEPT-check meds | ACCEPT- check meds | No Rating to Moderate Rating | ACCEPT | PREFERRED | ACCEPT | PREMIER | |||||||||||||||||||||
84 | Gallbladder Disorder | ACCEPT, check meds | ACCEPT, check meds | ACCEPT | ACCEPT | ACCEPT, check meds | ACCEPT | ACCEPT | CALL CARRIER | >1 yr; weight stabilized= ACCEPT | Preferred Death Benefit | ACCEPT | ACCEPT | ACCEPT, check meds | ACCEPT, check meds | No Rating | ACCEPT | PREFERRED Hospitalization within a year = STANDARD | ACCEPT-non cancerous | PREMIER-non cancerous | |||||||||||||||||||||
85 | Gastric Bypass | Over 1yr = ACCEPT | Over 1yr = ACCEPT | ACCEPT | ACCEPT | Over 1yr = ACCEPT | Over 6 MONTHS = ACCEPT | ACCEPT | CALL CARRIER Must be over six months after surgery | ACCEPT | Over 12 months= Preferred Death Benefit | ACCEPT | Gastric bypass – less than six months =DECLINE | ACCEPT | Over 1 yr = ACCEPT | ACCEPT | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | Procedure within 6 months = DECLINE | PREFERRED Hospitalization within a year = STANDARD | ACCEPT | PREMIER | ||||||||||||||||||||
86 | Gout | ACCEPT Combined w/diabetes, kidney stones, or protein in urine = DECLINE | ACCEPT Combined w/diabetes, kidney stones, or protein in urine = DECLINE | ACCEPT | ACCEPT | ACCEPT Combined w/diabetes, kidney stones, or protein in urine = DECLINE | ACCEPT | ACCEPT | ACCEPT | ACCEPT | Preferred Death Benefit | ACCEPT | ACCEPT | ACCEPT | ACCEPT; No DI Rider | Combined w/diabetes, kidney stones, or protein in urine=DECLINE | No Rating | ACCEPT | PREFERRED Hospitalization within a year = STANDARD | ACCEPT | PREMIER | ||||||||||||||||||||
87 | Heart Attack/ Heart Disease | DECLINE | DECLINE | Treatment within 2yrs= ROP Treatment within 3 yrs =GRADED | Over 2 years = ACCEPT | DECLINE | DECLINE | Over 1 year = ACCEPT with no other complications | CALL CARRIER | DECLINE | Within 1 yr = Basic Death Benefit (graded) Within 2 yrs = Standard Death Benefit Heart mucle disease = DECLINE | DECLINE | Less than six months =DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | No Rating to DECLINE | DECLINE | STANDARD Hospitalization within a year = GRADED With Activity Credit = PREFERRED Qualifications for Activity Credit: Routine activities (3 days/week of more than ten consecutive minutes of exercise) Activity can also include jogging, running, using an elliptical, rowing machine, stationary bike, lifting weights, or other common exercises | Over5 yrs=ACCEPT, maintenance ok | Over 2 years treated= PREMIER maintenance ok Over 1 year = EIWL Blood thinner = GRADED | ||||||||||||||||||||
88 | Heart - Mitral Valve Insufficiency/ Prolapse | DECLINE | DECLINE | Over 3 years from procedure = ACCEPT (see heart surgery) | Over 2 years = ACCEPT | DECLINE | No meds-Possible Accept-CALL CARRIER | Over 1 year = ACCEPT | CALL CARRIER | Any heart valve disease or surgery = DECLINE | DECLINE | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | No Rating to DECLINE | DECLINE | PREFERRED Hospitalization within a year = STANDARD | DECLINE | EIWL | ||||||||||||||||||||
89 | Heart Surgeries (Bypass, etc) | DECLINE | DECLINE | Over 3 yrs = ACCEPT | Over 2 years = ACCEPT | DECLINE | DECLINE | Over 1 YR = ACCEPT | CALL CARRIER | DECLINE | Within 1 yr – Basic Death Benefit (graded) Within 2 yrs= Standard Death Benefit | DECLINE | DECLINE | Within the last ten years, have been diagnosed, treated or consulted with a medical professional = DECLINE ACCEPT for Cancer policy | DECLINE | Over 2 yrs =ACCEPT Within 2 years = GRADED | No Rating to DECLINE | DECLINE | PREFERRED Hospitalization within a year = STANDARD | Over 5 yrs = ACCEPT, maintenance ok | Over 2 years treated= PREMIER maintenance ok Over 1 year = EIWL Blood thinner = GRADED | ||||||||||||||||||||
90 | Hepatitis | DECLINE | DECLINE | Over 3 years = ACCEPT Diagnosed within 2 yrs= ROP Diagnosed/hospitalized within 3 years = GRADED | Over 2 years = ACCEPT | DECLINE | HEP A (recovered) = ACCEPT HEP B + C = DECLINE | HEP A (recovered) = ACCEPT HEP B + C = DECLINE Chronic or alcoholic hepatitis= DECLINE | CALL CARRIER | HEP A (recovered) = ACCEPT HEP B + C = DECLINE | Hep B or C= Standard Death Benefit | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE Hep C = GRADED | Hepatitis, chronic Hep. B (treated and resolved) = Table 4 to Decline Hep. C (treated and resolved) Table 4 to Decline | Acute Hep A = ACCEPT CHRONIC, HEP B = DECLINE | STANDARD Hospitalization within a year = GRADED | DECLINE | EIWL | ||||||||||||||||||||
91 | High Blood Pressure | Up to 2 meds= ACCEPT 3+ meds = DECLINE Diuretic = DECLINE Mild diuretic = CALL CARRIER | Up to 2 meds= ACCEPT 3+ meds = DECLINE Diuretic = DECLINE Mild diuretic = CALL CARRIER | ACCEPT | ACCEPT | Up to 2 meds= ACCEPT 3+ meds = DECLINE Diuretic = DECLINE Mild diuretic = CALL CARRIER | Diagnosed under 30 yrs old, Takes 4 or more meds, OR takes Furosemide (DIURETIC) and Carvedilol = DECLINE | ACCEPT | Controlled with meds = STANDARD Otherwise CALL CARRIER Diuretic = DECLINE | 1-2 meds, Controlled = ACCEPT 3+ depends on combination- see Agent Guide 2-3 meds = DO HBP QUESTIONNAIRE Diuretic = DECLINE Mild diuretic = CALL CARRIER | Preferred Death Benefit | Check meds. Multilple medications are ok Diuretic = DECLINE | Uncontrolled hypertension = DECLINE | As long as it is controlled = ACCEPT Blood thinner = DECLINE | Will accept 3+ meds w/o multiple impairments + table 2 or higher build; HBP med AND diuretic = DECLINE Check prescription exclusion list Hospitalization within 5 yrs = DECLINE If client takes heavy duty meds, do a Risk Assessment | ACCEPT HBP med AND diuretic = DECLINE | No Rating-well controlled Diuretic = DECLINE | 3 or more meds = DECLINE Diuretic = DECLINE | PREFERRED Hospitalization within a year = STANDARD | ACCEPT Diuretic = DECLINE Mild diuretic = CALL CARRIER | ACCEPT Blood thinner = GRADED | ||||||||||||||||||||
92 | HIV | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
93 | HIV PREP | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
94 | Hospitalization | Within 12 months or current = DECLINE | Within 12 months or current = DECLINE | Current = DECLINE | CURRENT = DECLINE | Within 12 months or current = DECLINE | Current = DECLINE | Current = DECLINE | Current = DECLINE | Current = DECLINE | Current = DECLINE | Current = DECLINE | Current = DECLINE | ACCEPT Within the last ten years = DECLINE for ICU rider | Current = DECLINE | Current = DECLINE | Within five years, Email NLG Quick Quotes underwritingquickquotes @nationallife.com | Within the last 12 months = DECLINE Surgery within 2 years = DECLINE | Within the last 12 months with exception for pregnancy = STANDARD | Current = DECLINE Hospitalized 2 or more times within 12 months = DECLINE | Current = DECLINE Hospitalized 2 or more times within 12 months = GIWL GIWL REQUIRES VIDEO CONFERENCING OR IN PERSON APP | GRADED | |||||||||||||||||||
95 | Huntington's Disease | DECLINE | DECLINE | ACCEPT- Must have mental capacity If mentally impaired= DECLINE | ACCEPT- Must have mental capacity If mentally impaired= DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | Email NLG Quick Quotes underwritingquickquotes @nationallife.com | DECLINE | DECLINE | As long as they can answer no to all the questions = POSSIBLE ACCEPT; May request Medical Records | As long as they can answer no to all the questions = POSSIBLE ACCEPT; May request Medical Records | ||||||||||||||||||||
96 | Hypothyroidism | ACCEPT, check meds | ACCEPT, check meds | ACCEPT | ACCEPT | ACCEPT, check meds | ACCEPT | ACCEPT | ACCEPT | ACCEPT | Preferred Death Benefit | ACCEPT | ACCEPT | ACCEPT | ACCEPT; check meds | ACCEPT; check meds | No Rating | ACCEPT | PREFERRED Hospitalization within a year = STANDARD | ACCEPT | PREMIER | ||||||||||||||||||||
97 | Kidney Dialysis | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GRADED | |||||||||||||||||||
98 | Kidney Disease-Chronic | DECLINE | DECLINE | RETURN OF PREMIUM | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE; Acute infections = ACCEPT | Disease/Renal insufficiency = Standard Death Benefit | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | Over 4 yrs as long as not end stage renal failure = ACCEPT Within 4 years = GRADED | DECLINE | DECLINE | STANDARD Hospitalization within a year = GRADED | DECLINE | EIWL | GRADED | |||||||||||||||||||
99 | Kidney Failure | DECLINE | DECLINE | RETURN OF PREMIUM | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE for Critical Illness ACCEPT for heart attack, stroke and cancer policies | DECLINE | DECLINE | DECLINE | DECLINE | DECLINE | GIWL | GIWL GIWL REQUIRES VIDEO CONFERENCING OR IN PERSON APP | GRADED | |||||||||||||||||||
100 | Kidney Stones | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | Preferred Death Benefit | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | ACCEPT | PREFERRED Hospitalization within a year =STANDARD | ACCEPT | PREMIER |