Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Postpone until results are received

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Postpone until results are received

AmAm/Occ Security Protector

(20 - 60) (current age)

Postpone until results are received

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

Postpone until results are received

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Postpone until results are received

Wellabe Hospital Indemnity

(40 - 85)

In the past 24 mos AND not completed = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If advised to receive treatment/treated within 5 yrs = Decline
If over 5 yrs = OK
(AA meetings for a single DUI is not considered treatment within 5 years, must be over 21 years old and over 12 mos since DUI)

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If advised to recieve treatment/treated within 5 yrs = Decline
If over 5 yrs = OK
Even over 5 yrs = Decline for DIR and AODIR

AmAm/Occ Security Protector

(20 - 60) (current age)

If advised to receive treatment/treated within 36 mos = Decline
If over 36 mos = OK
(AA meetings for a single DUI is not considered treatment within 36 mos)

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If advised to receive treatment/treated within 10 yrs = Decline
If over 10 yrs = OK
(AA meetings for a single DUI is not considered treatment within 10 yrs)

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If advised to receive treatment/treated for alcohol within 24 mos = Decline
If advised to receive treatment/treated for alcohol within 2yrs - 5 yrs = Classic 2
If advised to receive treatment/treated for alcohol over 5 yrs = Classic 1
If advised to receive treatment/treated for drugs within 5 yrs = Decline
If advised to receive treatment/treated for drugs over 5 yrs, no relapse = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If treated/advised to receive treatment within 24 mos = Decline
If over 24 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If due to disease = Decline
If due to injury, no impact on ADL's = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If due to disease = Decline
If due to injury, no impact on ADL's = OK
If amputation = Decline for DIR and AODIR

AmAm/Occ Security Protector

(20 - 60) (current age)

If due to disease = Decline
If due to injury, no impact on ADL's = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If due to disease = Decline
If due to injury, no impact on ADL's = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If due to disease = Decline
If due to injury, no impact on ADL's = OK

Wellabe Hospital Indemnity

(40 - 85)

If due to disease/accident/trauma = OK
If due to diabetes only = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If within 10 yrs = Decline
If no meds/treatment over 10 yrs = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If within 24 mos = Decline
If over 24 mos = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If surgically corrected over 36 mos = Possible Classic 1, otherwise Classic 2, No residual effects, no continued treatment

Wellabe Hospital Indemnity

(40 - 85)

If within 24 mos = Decline
If meds/treatment over 24 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK
Please notate, when diagnosed and what meds are, if any.
If requiring blood transfusions = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If diagnosed/treated/advised to receive treatment, working full time, diagnosed over the age of 25 = OK
Notate: Never hospitalized/never suicidal thoughts, sees a therapist? 1/mo or 1/week? Meds? Less than 2 meds.

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If diagnosed/treated/advised to receive treatment for anxiety/depression, 1 med, situational = OK
Major depression = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If diagnosed/treated/advised to receive treatment = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If diagnosed/treated/advised to receive treatment, not on disability due to mental health = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated/advised to receive treatment with 1 or 2 meds, not on disability = Classic 1
If treatment with 3 meds, not on disability = Classic 2
If treatment with more than 3 meds/hospitalized = Decline

Wellabe Hospital Indemnity

(40 - 85)

If not for bipolar/schizophrenic/antipsychotic = OK
If for bipolar/schizophrenic/antipsychotic within past 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated with afib/atrial fibrillation, corrected with ablation = Classic 1
If diagnosed/treated with afib/atrial fibrillation, ongoing treatment = Classic 2
If diagnosed/treated with afib/atrial fibrillation, w coronary artery disease/cerebral vascular disease = Decline
If diagnosed with arrhythmia (paroxysmal supraventricular tachycardia, premature atrial complexes, sinus bradycardia (BPM>45), wandering pacemaker) = Classic 1
If diagnosed with arrhythmia (paroxysmal ventricular tachycardia, premature ventricular complexes, ventricular fibrillation, or combined w heart disease) = Decline

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
If no meds/treatment over 24 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If ever for osteoarthritis = OK
If ever for RA, mild, not on disability (hydroxychloroquine is OK) = OK
If ever for RA, moderate/severe w humira, enbrel or prednisone = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever for osteoarthritis = OK
If ever for RA, mild, not on disability, minimal, slight impairment = OK
If moderate/severe RA = Decline
If mild RA = Decline for DIR only
If moderate/severe RA = Decline for DIR and AODIR

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever for osteoarthritis/RA = OK
If on disability or taking humira, methotrexate, xeljanz or enbrel = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever for osteoarthritis/RA, mild/moderate without use of corticosteroids, gold, sulphasalazine, chloroquine or methotrexate and able to do all ADLs = Classic 1
If severe or use any of the drugs above = Classic 2

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
If osteoarthritis = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Currently = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Currently = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

Currently = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Currently = Decline

Wellabe Hospital Indemnity

(40 - 85)

Within 12 mos = Decline
If over 12 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If diagnosed/treated with mild/moderate asthma = OK
If diagnosed/treated with severe asthma/hospitalization = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If diagnosed/treated with mild/moderate asthma (seasonal/allergies, using albuterol/proair - no steroids) = OK
If diagnosed/treated with severe asthma (hosptialization or ER visit in past 12 mos) = Decline
If meds have steroids (Qvar, combivant) = Decline
If asthma and tobacco = Decline
If moderate asthma = Decline for DIR only

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If diagnosed/treated with asthma = OK
If asthma and tobacco = Decline
If diagnosed/treated with asthma and weight exceeds Table 2: see chart = Decline
If diagnosed/treated w chronic/severe asthma = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated w mild asthma, single med, inhaler use only as needed, non tobacco/tobacco = Classic 1
If moderate asthma, single med, inhaler use only as needed, non tobacco = Classic 1
If moderate asthma, single med, inhaler use only as needed, tobacco = Classic 2
If severe asthma, continuous use of steroids and rescue inhalers, non tobacco = Classic 2
If severe asthma, recent hospitalization or tobacco = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK
(Mild, as long as not on disablity, no help w ADLs, no hospitalizations)

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK
(Mild, as long as not on disablity, no help w ADLs, no hospitalizations)

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever, not on disability = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever w mild case, actively employed adult = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever with mild case, actively employed adult, lives independently, no epilepsy or other mental health conditions, IQ greater than 70 = OK
Requires medical records, and typically a decline after medical records, so must be extremely high functioning.
If autistic = Decline for DIR and AODIR

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = Decline

MoO Term Life ExpressIULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever with mild case, actively employed adult = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If not due to complciations of diabetes/other circulatory disorder/illness = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If not due to complications of diabetes/other circulatory disorder/illness = OK
Blindness = Decline for DIR and AODIR and Crticial Illness Rider

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If not due to complications of diabetes/other circulatory disorder/illness, not on disability = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If not due to complications of diabetes/other circulatory disorder/illness, not on disability = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If not on disability = OK, no current narcotic pain meds

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If not on disability = OK
If injured within 12 mos = Decline for DIR and AODIR

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If injured, regardless of disability = OK, if narcotic pain meds, see "pain meds"

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If not on disabilty = OK, if narcotic pain meds, see "pain meds"

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed over 12 mos, mild/moderate, well controlled with fewer than 3 medications = Classic 2

Wellabe Hospital Indemnity

(40 - 85)

If not for bipolar/schizophrenic/antipsychotic = OK
If for bipolar/schizophrenic/antipsychotic within past 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If within 10 yrs = Decline
If no meds/treatment over 10 yrs = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If Deep Veing Thrombosis (DVT: clot in legs) 1 episode, full recovery, no maintenace meds = OK
If 2 or more episodes and maintenance meds = Decline
If pulmonary embolism (clot in lungs), no maintenance meds = OK
If pulmonary embolism = Decline for Critical Illness Rider

AmAm/Occ Security Protector

(20 - 60) (current age)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline

MoO Term Life Express

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated/advised to receive treatment over 6 mos for single blood clot = Classic 1 or 2
If multiple blood clots = Decline

Wellabe Hospital Indemnity

(40 - 85)

If taking blood thinners within 24 mos = Decline
If over 24 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
If in remission over 10 yrs = OK
Only basal cell skin cancer at any time = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If diagnosed/treated/advised to receive treatment within 7 yrs = Decline
If in remission over 7 yrs and no recurrence = OK
Only basal & squamos cell skin cancer, single occurrence, for any term at any time = OK
Even after remission for any term = Decline for Critical Illness Rider

AmAm/Occ Security Protector

(20 - 60) (current age)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
Only basal & squamous cell at any time = OK

MoO Term Life Express

(Term/IULE: 18 - 75) (current age)

If ever = Decline
Only basal & squamous cell at any time = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated/advised to receive treatment with cancer, if single occurrence and over 5 yrs remission = OK
Breast cancer stage 0 & 1, prostate stage 1 & 2, testicular stage 1, thyroid stage 1 & 2, melanoma stage 1A & 1B, cervical stage 0 & 1A = Classic 1, Requires Questionnaire
All other types, multiple cancers, recurrence, spreading to lymph nodes = Decline
Only basal cell skin cancer stage 1 or 2, over 24 mos remission = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment with cancer within 24 mos = Decline
If over 24 mos = OK
Skin cancer = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If within 10 yrs = Decline
If no meds/treatment over 10 yrs = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If within 24 mos = Decline
If over 24 mos = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If within 24 mos = Decline
If over 24 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If can answer no to questions, no meds = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK, please notate med

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

COPD and tobacco = Decline

Mild COPD for non-tobacco if only one medication - no prescription steroids. Mild means little to no shortness of breath with exertion (able to climb at least 1 flight of stairs with no shortness of breath) = OK

These meds are a decline: Anoro Ellipta, Bevespi Aerosphere, Daliresp, Stiolto Respimat, Trelegy Ellipta, Utibron Neohaler.

Bronchitis = OK
Chronic bronchitis = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If mild/moderate, no shortness of breath, non tobacco (inhalers ok)= Classic 2
Mild: FEV1 (Forced Expiratory Volume) greater than or equal to 80% of predicted, little or no dyspnea, occasional time off work. Moderate: FEV1 50% - 79% of predicted, dyspnea on moderate offer rot, frequent time off work
If severe (multiple meds) = Decline, Severe: Corticosteroid therapy more than 1/mo, dyspnea on minimal activity

Wellabe Hospital Indemnity

(40 - 85)

If treated/diagnosed/advised to receive treatment within 12 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If within 10 yrs = Decline
If no meds/treatment over 10 yrs = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If treated/diagnosed/advised to receive treatment within 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If diagnosed/received treatement/advised to receive treatment for cirrhosis within 24 mos =Decline
If fatty liver/Hepatitis A = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline
If for fatty liver = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever for cirrhosis/Hep C/Liver Disease = Decline
If diagnosed/treated/advised to receive treatment for Hep B, fully resolved, no residual effects or fatty liver = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If any chronic liver disease = Decline
If ever for fatty liver = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If within 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Cannot have it currently

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Must fill out covid addendum & over 90 days since testing positive, no residual effects.

AmAm/Occ Security Protector

(20 - 60) (current age)

Must fill out covid addendum & over 90 days since testing positive, no residual effects.

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

No Covid in the past 30 days.

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Fully recovered without hospitalization over 30 days = OK
If hospitalized over 90 days = OK
If hospitalized in ICU = Decline

Wellabe Hospital Indemnity

(40 - 85)

No restrictions

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline
If over 5 yrs in remission = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If diagnosed before age 20 or within 12 mos = Decline
If diagnosed after age 20 and over 12 mos, regardless of flareups = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK
Not on disability

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated/advised to receive treatment over 1 year since last attack, no ongoing treatment with corticosteroids or immunosuppressive drugs, no current symptoms = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever diagnosed (current meds or in the past) for Strong Foundation Term please use: the Diabetes Calculator
(Must know A1C level AND date last time checked)
If diagnosed/treated/advised to receive treatment with diabetes with complications = Decline
For SmartUL/Advantage Whole Life, please use: Diabetes Matrix

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If diagnosed before age 35 = Decline
If diabetes with tobacco or insulin = Decline
If controlled with oral meds = OK
If controlled with oral meds = Decline for DIR only

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If diagnosed with diabetes before 45 = Decline
If diagnosed with diabetes after 50 with or without insulin, and under Table 2: Height/Weight chart w diabetes = OK
If diagnosed with diabetes after 50 and tobacco = Decline
If diagnosed/treated/advised to receive treatment with diabetes with complications = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Type 1 & good control (A1C under 7.0) = OK
Currently under age 30 = Decline
Current age 30 - 59, non tobacco = Classic 2
Current age 30 - 59, tobacco = Decline
Current age 60 or older, non tobacco = Classic 1
Current age 60 or older, tobacco = Classic 2
Type 2 & good control (A1C under 7.0) = OK
Currently under age 20 = Decline
Current age 20 - 39, non tobacco = Classic 2
Current age 20 - 39, tobacco = Decline
Current age 40 or older, non tobacco = Classic 1
Current age 40 or older, tobacco = Classic 2
If diagnosed with either type of diabetes with complications, or combined with kidney disease, stroke, TIA, PVD, heart disease = Decline
If build is near upper limits of build chart = Classic 2 or Decline

Wellabe Hospital Indemnity

(40 - 85)

If taking insulin or any injectable med within 24 mos = Decline
If taking more than 2 oral meds within 24 mos = Decline
If any complications of diabetes = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Depends on underlying reason, please search for reason for disability, examples: Disability for mental health not OK, for back injury NOT on narcotic pain can be OK.

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If receiving disability/not employed for medical reasons = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If on disability because of maternity, fractures, spinal or back disorders or hip or knee replacements = OK
If receiving small percentages of disability because of VA, can still be answered No, but depends on reasons why.

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If on disability = Decline

Wellabe Hospital Indemnity

(40 - 85)

If can answer no to other questions = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever (examples like Alzheimer's/Dementia/mental incapacity) = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever (examples like Alzheimer's/Dementia/mental incapacity) = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever (examples like Alzheimer's/Dementia/mental incapacity) = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever (examples like Alzheimer's/Dementia/mental incapacity) = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever (examples like Alzheimer's/Dementia/mental incapacity) = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If convicted of 1 (single) DUI within 12 mos or 2 DUIs within 5 yrs = Decline
If license suspended/revoked license because of unpaid child support = OK
If license suspended/revoked license because of unpaid tickets or driving without insurance = Decline
If convicted of 3+ moving violations within 5 yrs = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If convicted of DUI or 2+ accidents or 3+ moving violations within 36 mos = Decline
If license is currently suspended/revoked (even if because of child support) = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If convicted of DUI/DWI or license suspended/revoked within 36 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 705) (current age)

If convicted of DUI/convicted of reckless driving/convicted of 4+ moving violations within 5 yrs = Decline
If license suspended/revoked = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If convicted of DUI over 36 mos = Classic 1
If convicted of more than 3 DUIs = Decline
If less than 3 moving violations within 36 mos = Classic 1
If license suspended/revoked because of child support = Classic 1, only downgrade for traffic violations.

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If any = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If natural parent/sibling suffered from diabetes, kidney disease, organ transplant, heart disease, cerebrovascular disease, internal cancer before age 60 = OK
If any family history = Decline for Critical Illness Rider

AmAm/Occ Security Protector

(20 - 60) (current age)

If any = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If any = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If any = OK

Wellabe Hospital Indemnity

(40 - 85)

If any = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If convicted of felony within 10 yrs = Decline
If on parole/probation within 12 mos = Decline
If misdemeanor = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If convicted of felony/misdemeanor within 5 yrs = Decline
If parole/probation within 6 mos = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If convicted of felony/misdemeanor or pending charge within 36 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If currently on parole/probation/misdemeanor = OK
If related to conviction of possession of drugs within 10 yrs = Decline
If convicted of/awaiting trial for a felony = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If parole/probation for single nonviolent conviction over 36 mos = Classic 1
Otherwise, or if multiple separate convictions = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

As long as not on disability = OK, not currently taking narcotic pain meds

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

As long as not on disability = OK, not currently taking narcotic pain meds
If diagnosed with fibromyalgia = Decline for DIR only

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

As long as not on disability = OK, can be taking narcotic pain meds (see Pain Meds)

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated/advised to receive treatment, well controlled, not on disability = OK, can be taking narcotic pain meds (see Pain Meds)

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Travel up to 12 weeks = OK
Travel to areas that have internation risk based on political/economic/health environments = Possible Decline, please call underwriting

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Travel to areas that have international risk based on political/economic/health environments = Possible Decline, please call underwriting

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

Travel to areas that have international risk based on political/economic/health environments = Possible Decline, please call underwriting

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Travel to areas that have international risk based on political/economic/health environments = Possible Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If had gastric sleeve/lap band surgery, after 12 mos and weight has stabilized = OK
If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds.

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If had gastric sleeve/lap band surgery, after 12 mos and weight has stabilized = OK
If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds.
If after 12 mos = Decline for DIR only

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If had gastric sleeve/lap band surgery, after 12 mos and weight has stabilized = OK
If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds.

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If had gastric sleeve/lap band surgery, after 6 mos and weight has stabilized = Classic 1
If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds.‌

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK
Notate date of last flare up

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If diagnosed with AND history of diabetes, kidney stones or protein in urine = Decline
If no complications = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = OK
Notate date of last flare up

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If within 10 yrs = Decline
If no meds/treatment over 10 yrs = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If within 24 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated/advised to receive treatment with heart attack at any age and tobacco user or considered severe or multiple attacks = Decline
All heart attacks, at least 6 mos since heart attack, no or minimal heart damage, non tobacco, no other medical issues:
If diagnosed with mild heart attack under age 40 = Decline
If diagnosed with mild heart attack age 40 - 59 = Classic 2
If diagnosed with mild heart attack over age 60 = Classic 1
If diagnosed with moderate heart attack under 50 = Decline
If diagnosed with moderate heart attack age 50 - 69 = Classic 2
If diagnosed with moderate heart attack over age 70 = Classic 1
If had angioplasty over age 60, non tobacco, if considered mild/moderate = Classic 2
If had angioplasty/bypass surgery under age 60, non tobacco = Classic 2
If had angioplasty/bypass surgery under age 60, tobacco = Decline
If had angioplasty/bypass surgery over age 60, non tobacco = Classic 1
If had angioplasty/bypass surgery over age 60, tobacco = Classic 2
Ongoing angina, after procedure or combined with Stroke/TIA/Diabetes = Decline
If had a pacemaker = Classic 1
If had a pacemaker with ischemic heart disease or other organic heart disease = Decline
If diagnosed/treated/advised to receive treatment w angina, over age 60, non tobacco, considered stable, mild/moderate = Classic 2
If diagnosed/treated/advised to receive treatment w angina, under age 60, tobacco, combined w stroke/TIA/diabetes = Decline

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
If over 24 mos = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever for innocent heart murmur = OK
If for any other heart murmur = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever for innocent heart murmur = OK
If for any other heart murmur = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever for innocent heart murmur = <Classic 1
If for any other heart murmur = Classic 1, If accompanied by arrythmia/irregular heartbeat, go to that section.

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If not on disability = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If not on disability, fully investigated migraine, controlled with meds = OK
If migraines = Decline for DIR only
If severe migraines, or not investigated = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If not on disability = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If not on disability = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

YES: see chart

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

YES, see chart

AmAm/Occ Security Protector

(20 - 60) (current age)

YES, see chart

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

YES, see chart

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

YES, see chart

Wellabe Hospital Indemnity

(40 - 85)

No requirement

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK
If taking more than 3 meds, possible Decline
Please notate when diagnosed, average blood pressure reading, ex: 120/80, if ever hospitalized or had to take time off of work. Combination of medications like spiranolactone with carvedilol can be indicative of CHF.

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK
If taking more than 3 meds = Decline
HBP in combination with thyroid = Decline for Critical Illness Rider

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK
If taking more than 3 meds, possible Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Current = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Current = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

Current = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Current = Decline

Wellabe Hospital Indemnity

(40 - 85)

Within 12 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If hospitalized within 24 mos = Decline
If hospitalized over 24 mos and blood pressure is stable = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If hospitalized within 12 mos = Decline
If hospitalized over 12 mos and blood pressure is stable = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If hopsitalized within 10 yrs = Decline
If hopsitalized over 10 yrs and blood pressure is stable = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If hopsitalized = Decline

Wellabe Hospital Indemnity

(40 - 85)

Within 12 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If hospitalized within 24 mos = Decline
If hospitalized over 24 mos and is stable (meds not anti-psychotic) = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK
(meds not for anti-psychotic)

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If hopsitalized within 10 yrs = Decline
If hopsitalized over 10 yrs and is stable (meds not anti-psychotic) = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If hopsitalized within 10 yrs = Decline

Wellabe Hospital Indemnity

(40 - 85)

Within 12 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK
If in combination with HBP = Decline for Critical Illness Rider

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If non-cancerous = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If non-cancerous = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If non-cancerous = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If non-cancerous = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If non-cancerous = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline
If treated for kidney stones = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline
If treated for kidney stones = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If kidney failure, renal insufficieny or dialysis within 36 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline
If treated for kidney stones = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline
If treated for kidney stones = OK

Wellabe Hospital Indemnity

(40 - 85)

If kidney failure or dialysis within 24 mos = Decline
If kidney disease = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline
If for fatty liver, Hepatitis A recovered = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline
If for fatty liver = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever for liver failure = Decline
If diagnosed/received treatement/advised to receive treatment for Hep B or C, chronic Hep, cirrhosis within 24 mos =Decline
If fatty liver/Hepatitis A = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline
If for fatty liver = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever for cirrhosis/Hep C/Liver Disease = Decline
If diagnosed/treated/advised to receive treatment for Hep B, fully resolved, no residual effects or fatty liver = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If any chronic liver disease = Decline
If ever for fatty liver = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

((Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If treated/fully recovered after 24 mos = OK
No chronic pain, no neurological disorder, no depression (if depression was prior, ok, but if diagnosed after is decline).

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If treated/fully recovered = OK
No chronic pain, no neurological disorder, no residual, no depression (if depression was prior, ok).

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If treated/fully recovered = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If treated/fully recovered = Classic 1

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

Recreational: Up to 4 x/week = OK
Daily use = Decline
Medical = Decline

If smoked, tobacco rates apply. If ingested, tobacco rates do not apply.

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If use within 5 yrs = Decline
If over 5 yrs = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If use within 36 mos = Decline
If prescribed by dr = OK

MoO Term Life Express

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If recreational, tobacco rates apply = OK
If medicinal marijuana = Probably Decline, depending on condition

Wellabe Hospital Indemnity

(40 - 85)

If treated for drug abuse within 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If no orders to deploy in the next 2 years and not receiving hazard pay = OK, should fill out Military Questionaire/call underwriting

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Currently, regardless of hazard pay or orders to deploy = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If no orders to deploy in the next 2 years and not receiving hazard pay = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Currently, regardless of hazard pay or orders to deploy = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

In the next 24 mos = possible Decline (call UW)

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Within 24 mos = OK
WIthin 24 mos = Decline for DIR and AODIR
Commercial pilots/Private pilot with 100+ solor hours = OK
Student pilot/other pilots flying for pay = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If within 12 mos = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

In the next 24 mos = possible Decline (call UW)

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

In the next 2 yrs = possible Decline (email UW)

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated more than 12 mos, mild (minimal symptoms, no use of walker or other devices and no disability) = Classic 1
If diagnosed/treated more than 12 mos, moderate (not on disability) = Classic 2
If severe = Decline

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If can answer no to other questions = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

Currently taking narcotic or prescribed within 30 days = Decline (Anything more than temporary use for a recent surgery would be a decline)
If narcotics are prescribed by multiple doctors = Decline
If taking suboxone/methadone (see drug abuse)/morphine = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

It depends on the situation
If taking suboxone/methadone (see drug abuse) /morphine = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

Depends on what they're taking it for/ dosage prescribed/how often taking it.
If disabled for back, oxycodone is normally okay, BUT if they switch from hydrocodone to oxycontin, constantly switching meds = Decline (IF it is the same doctor switching trying to figure out what works, that is okay)
If taking oxycodone and oxycontin = OK
If taking suboxone/methadone (see drug abuse) /morphine = Decline
If multiple doctors prescribe = Decline
Pain killers combined with anti-depressants/anti-anxiety = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If more than 50 mg MME/day (morphine mg equivalents) = Decline
Also if combination of recent history of depression or DUI = Decline
If taking suboxone/methadone (see drug abuse) = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever, can answer no to other questions = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If received/advised to receive = Decline
If donated or surgically removed an organ (not for cancer) = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If received/advised to receive = Decline
If donated or surgically removed an organ (not for cancer) = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

If received/advised to receive = Decline
If donated or surgically removed an organ (not for cancer) = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If received/advised to receive = Decline
If donated or surgically removed an organ (not for cancer) = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If received/advised to receive = Decline
If donated or surgically removed an organ (not for cancer) = OK

Wellabe Hospital Indemnity

(40 - 85)

If ever, if can answer all other questions no = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80 age, Smart/Adv: 0 - 75 age nearest)

If prescribed/used within 12 mos = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If prescribed/used = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If prescribed/used within 12 mos = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If prescribed/used within 12 mos = Decline

Wellabe Hospital Indemnity

(40 - 85)

If prescribed/used within 12 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If diagnosed/treated/advised to receive treatment, single attack, diagnosed over 12 mos, non alcohol related = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express

(Term/IULE: 18 - 75) (current age)

If ever = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If diagnosed/treated with single acute episode, over 12 mos since recovery, nonalcohol related = Classic 1
If chronic condition, nonalcohol related, without complications (such as malabsorption, diabetes, or impaired glucose tolerance), less than 3 yrs since last symptoms = Classic 2

Wellabe Hospital Indemnity

(40 - 85)

If ever = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75 ) (all age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If currently receiving and on disability = Postpone
If currently receiving and working = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If currently receiving = Postpone

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express

(Term/IULE: 18 - 75) (current age)

If within 12 mos = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Depends on underlying reason, please search for reason for therapy

Wellabe Hospital Indemnity

(40 - 85)

If can answer no to other questions = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If ever = OK
If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = OK
If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK
If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = OK
If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever, not on disability = OK
If meds are for schizophrenia/bipolar or depression/anxiety please see those conditions, not on disability

Wellabe Hospital Indemnity

(40 - 85)

If not for bipolar/schizophrenic/antipsychotic = OK
If for bipolar/schizophrenic/antipsychotic within past 24 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

Must have seen a doctor within 36 mos = OK, Can be urgent care/flu shot, etc.
If over 36 mos = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

Does not matter when last seen = OK

AmAm/Occ Security Protector

(20 - 60) (current age)

Does not matter when last seen = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

Does not matter when last seen = OK

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

Does not matter when last seen = OK

Wellabe Hospital Indemnity

(40 - 85)

Does not matter when last seen = OK

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (age nearest)

If ever = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever = Decline

Wellabe Hospital Indemnity

(40 - 85)

If ever and if can answer no to other questions/ADLs = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If currently = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If currently = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If within 12 mos = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If currently = Decline

Wellabe Hospital Indemnity

(40 - 85)

If within 12 mos = Decline
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (age nearest)

If ever for osteoarthritis = OK
If ever for RA, mild, not on disability (hydroxychloroquine is OK) = OK
If ever for RA, moderate/severe w humira, enbrel or prednisone = Decline

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever for osteoarthritis = OK
If ever for RA, mild, not on disability, minimal, slight impairment = OK
If moderate/severe RA = Decline
If mild RA = Decline for DIR only
If moderate/severe RA = Decline for DIR and AODIR

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK

MoO Term Life Express/IULE

(Term/IULE: 18 - 75) (current age)

If ever for osteoarthritis/RA = OK
If on disability or taking humira, methotrexate, xeljanz or enbrel = Decline

GPM Equity Protector

(Classic 1: 18 - 75, Classic 2: 18 - 70) (all current age)

If ever for osteoarthritis/RA, mild/moderate without use of corticosteroids, gold, sulphasalazine, chloroquine or methotrexate and able to do all ADLs = Classic 1
If severe or use any of the drugs above = Classic 2

Wellabe Hospital Indemnity

(40 - 85)

If diagnosed/treated/advised to receive treatment within 24 mos = Decline
If osteoarthritis = OK
Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Foresters Strong Foundation/SmartUL/Advantage

(Term: 18 - 80, Smart/Adv: 0 - 75) (all age nearest)

If ever (pulmonary/lungs) = Decline
If ever (localized, non pulmonary/lungs) = OK

AmAm/Occ SafeCare Term/Home Protector

(Home Protector 20 - 65) (SafeCare term 20 - 75, 65 - 75 requires phone interview) (all current age)

If ever (pulmonary/lungs) = Decline

AmAm/Occ Security Protector

(20 - 60) (current age)

If ever = OK