Final Expense Grid
GoYou! Final Expense Grid

Green = Level coverage, Orange = Graded/Modified (w a waiting period), Red = Decline

AIDS/HIV/ARC/AIDs related complex/Immune Deficiency

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Alcohol/Drug treatment to limit/Counseling

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If treated/advised to receive treatment within 24 mos = Basic
    If over 24 mos = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If treated/advised to receive treatment within 24 mos = Return of Premium
    If over 24 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If treated/advised to receive treatment within 24 mos = Return of Premium
    If over 24 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If treated/advised to receive treatment within 24 mos = Graded
    If over 24 mos = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If treated/advised to receive treatment within 24 mos = Decline
    If treated/advised to receive treatment within 2 yrs - 4 yrs = Easy
    If treated/advised to receive treatment within 4 yrs - 10 yrs = Standard
    If over 10 yrs = Preferred
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If treated/advised to receive treatment within 24 mos = Modified
    If over 24 mos = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If treated/advised to receive treatment within 24 mos = Graded
    If over 24 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If treated/advised to receive treatment within 24 mos or convicted of DUI or used drugs (marijuana is ok) = Decline
    If over 24 mos = SimpliNow Legacy Max
    GIWL, If ever = OK

  • 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)

ALS (Lou Gehrig's disease) or any other disease of the central nervous system

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Alzheimer's/Dementia/memory loss

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Amputation

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If due to diabetes only = Decline

    If due to disease/accident/trauma = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If due to disease/diabetes = Decline

    If due to accident/trauma = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If due to disease/diabetes = Decline

    If due to accident/trauma = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If due to diabetes/quadriplegia/paraplegia = Decline
    If due to disease/accident/trauma = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If due to disease/diabetes = Decline

    If due to accident/trauma = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If due to disease/diabetes = Decline

    If due to accident/trauma = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If due to diabetes only = Decline

    If due to disease/accident/trauma = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If amputation because of complications of diabetes = Decline
    If amputation due to disease/accident/trauma = SimpliNow Legacy Max
    GIWL, If ever = 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)

Aneurysm

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed/treated/advised to receive treatment within 24 mos = Basic
    If meds/treatment over 24 mos = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed/treated/advised to receive treatment within 24 mos = Return of Premium
    If diagnosed/treated/advised to receive treatment within 25 mos - 36 mos = Graded
    If meds/treatment over 36 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed/treated/advised to receive treatment within 36 mos = Return of Premium
    If meds/treatment over 36 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If meds/treatment over 24 mos = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever diagnosed/teated/advised to receive treatment for an aneurysm and NOT hospitalized within the past 12 mos = Standard
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 12 mos = Modified
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Standard
    If meds/treatment over 24 mos = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If meds/treatment over 24 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diagnosed/treated/consulted w a doctor within 6 mos for aneurysm = Decline
    If diagnosed/treated/consulted w a doctor for aneurysm and not surgically corrected = SimpliNow Legacy
    If diagnosed/treated/consulted w a doctor within 24 mos for aneurysm & surgically corrected within 24 mos = SimpliNow Legacy Max
    GIWL, If ever = OK

  • 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)

Anemia

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If treated in past 3 months using anything including iron pills = Graded, with activity credit - 3 or more days of 10 mins or more activity = Standard
    If over 3 months since treatment = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Anxiety/Depression/Mental Health (other than bipolar/schizophrenic/antipsychotic)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If attempted suicide in past 2 yrs or hospitalized overnight in past 12 mos (not including childbirth or ER overnight) = Decline
    If anxiety & currently ages 0 - 17 = Standard
    If depression and currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    If ever suicide attempt = Decline
    If hospitalized due to psychotic event within 36 mos = Decline
    GIWL, If ever = OK

  • 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)

Afib/Atrial Fibrillation/Irregular Heartbeat/Arrhythmia

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed/treated/advised to receive treatment within 36 mos = Return of Premium
    If no meds/treatment over 36 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If no meds/treatement over 24 mos = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diagnosed/treated/advised to receive treatment within 24 mos = SimpliNow Legacy
    If diagnosis over 24 mos & NO blood thinner = SimpliNow Legacy Max
    If diagnosis over 24 mos & taking blood thinner = SimpliNow Legacy
    If diagnosed over 24 mos and had an ablation to correct within 24 mos = OK

  • 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)

Arthritis (Rheumatoid or Osteoarthritis)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever for Rheumatoid Arthritis = Return of Premium
    If ever for Osteorthritis = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 & Rheumatoid Arthritis = Standard
    If currently ages 0 - 17 & Osteoarthritis = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Assistance with ADL's (bathing, dressing, eating, toileting, getting in/out chair/bed, management of bowel or bladder problems)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    Currently = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    Currently = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    Currently = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    Currently = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    Currently = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    Currently = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    Currently = Modified

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, Currently = Decline
    GIWL, If ever = OK

  • 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)

Asthma

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred, if multiple inhalers, probably COPD - please see COPD

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate, if multiple inhalers, probably COPD - please see COPD

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate, if multiple inhalers, probably COPD - please see COPD

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level, if multiple inhalers, probably COPD - please see COPD

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If chronic asthma (using inhaler year round, or filling inhaler 6 or more times within 12 mos) = Standard, with "activity credit" - 3 or more days of 10 mins of activity = Preferred
    If mild asthma (no daily symptoms, no regular use of oral steroids, no reduction in lung function) in past 5 years = Preferred
    If currently ages 0 - 17 and asthma = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Standard

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level, if multiple inhalers, probably COPD - please see COPD

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max, if multiple inhalers, probably COPD - please see COPD
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK, if multiple inhalers, probably COPD - please see COPD
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Attention Deficit Disorder/ADD/ADHD

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Autism

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever and considered mild/high functional = Preferred
    Needs to be able to complete phone interview, doublecheck: RX list, possible Decline
    If moderate/severe or needs help w ADL's = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever and considered mild/high functional = Immediate, ages 30+ cannot have 3rd party payor.
    If moderate/severe or needs help w ADL's = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever and considered mild/high functional = Immediate, if ages 18 - 29 parents may pay for premiums, but additional uw: MVR & phone interview required & ages 30+ cannot have 3rd party payor.
    If moderate/severe or needs help w ADL's = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever and considered mild/high functional = Level
    Doublecheck: knockout RX list, possible Decline
    If moderate/severe or needs help w ADL's = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If diagnosed and high functional (would require a phone interview) = Preferred
    If not high functional = Decline
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever and considered mild/high functional = Preferred
    Doublecheck: knockout RX list, possible Decline
    If moderate/severe or needs help w ADL's = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded
    If moderate/severe or needs help w ADL's = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever and high functioning = OK
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Bipolar Depression

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    If currently confined to a facility = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate
    If currently confined to a facility = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If attempted suicide within past 24 mos or hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred
    If currently confined to a facility = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diagnosed/treated/advised to receive treatment within 48 mos = SimpliNow Legacy
    If suicide attempt = Decline
    If hospitalized within 36 mos = Decline
    GIWL, If ever = OK

  • 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)

Blood clots/Blood disorders

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed/treated/advised to receive treatment within 36 mos = Return of Premium
    If no meds/treatment over 36 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If no meds/treatment over 24 mos = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Standard
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If no meds/treatment over 24 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • 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)

Brain tumor

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed with benign/malignant brain tumor within 24 mos = Basic
    If diagnosed with benign brain tumor over 24 mos = Preferred
    If in remission over 36 mos = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed with benign brain tumor and stable/not grown = Immediate
    If diagnosed/treated with malignant tumor within 24 mos = Return of Premium
    If diagnosed/treated w malignant tumor within 25 mos - 36 mos = Graded
    If in remission over 36 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed with benign brain tumor = Immediate
    If diagnosed/treated with malignant tumor within 5 yrs = Decline
    If in remission over 5 yrs = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed with benign brain tumor and stable/not grown = Level
    If diagnosed/treated with malignant tumor within 4 yrs = Graded
    If in remission over 4 yrs = Preferred

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If diagnosed with benign brain tumor = Preferred
    If diagnosed/treated/advised to receive treatment with malignant tumor within 24 mos = Decline
    If diagnosed/treated/advised to receive treatment with malignant tumor ever = Standard
    If metastatic = Decline
    If currently ages 0 - 17 and malignant = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 12 mos = Graded
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Standard
    If in remission over 24 mos = Preferred

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If benign tumor = SimpliNow Legacy Max
    If malignant tumor within 48 mos = Decline
    GIWL, If ever = OK

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment = It depends on severity

  • Wellabe Hospital Indemnity

    40 - 85

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

Cancer/Leukemia/Melanoma/internal cancer/basal/squamous cell skin cancer

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed/treated/advised to receive treatment within 36 mos = Basic
    If in remission over 36 mos = Preferred
    If diagnosed with more than 1 occurrence of the same/different type of cancer = Decline
    Only basal cell skin cancer at any time = Preferred
    If still taking hormone therapy (tamoxifen or exemestane) = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed/treated/advised to receive treatment within 24 mos = Return of Premium
    If diagnosed/treated/advised to receive treatment within 25 mos - 36 mos = Graded
    If in remission over 36 mos = Immediate
    If diagnosed with more than 1 occurrence of the same cancer = Return of Premium
    If taking any kind of hormone therapy, still considered under treatment = Return of Premium
    Only basal cell skin cancer at any time = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed/treated/advised to receive treatment within 5 yrs = Decline
    If in remission over 5 yrs = Immediate
    If taking any kind of hormone therapy, still considered under treatment = Return of Premium
    Only basal & squamous cell at any time = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 24 mos = Decline
    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded
    If in remission over 4 yrs = Level
    If diagnosed with more than 1 occurrence of the same cancer or metastatic cancer = Decline
    If more than 1 occurrence of different cancers over 4 yrs = Level
    If more than 1 occurrence of same cancer = Decline
    Only basal & squamous cell at any time = Level
    If still taking hormone therapy (tamoxifen or exemestane or any) = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If diagnosed/treated/advised to receive treatment within 24 mos = Decline
    If ever (except non-melanoma skin cancers or fatty tumors) = Standard
    If taking any kind of hormone therapy, not considered under treatment = Standard
    If metastatic or recurrent or multiple cancers = Decline
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 24 mos = Decline
    If in remission over 24 mos = Preferred
    Diagnosed with more than 1 occurrence of the same or different type of cancer = Decline
    Only basal & squamous cell at any time = Preferred
    If still taking hormone therapy = Modified

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    Current = Decline
    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded
    If in remission over 4 yrs = Level
    If still taking hormone therapy AND in remission over 12 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diagnosed/treated/advised to receive treatment within 24 mos for: Brain, carcinoid or neuroendoctrine tumor, esophageal, head or neck, lukemia, liver, lung, lymphoma, multiple myeloma, ovarian, pancreas, sarcoma, small instestine or stomach = Decline
    If diagnosed/treated/advised to receive treatment within 48 mos for: Bladder, bone, (remaining stage 2 or higher) breast, cervical, colon rectum anus, endometrial (uterine), kidney/ureter, melanoma, prostate, testicular, thyroid = SimpliNow Legacy
    If diagnosed/treated/advised to receive treatement within 48 mos for Stage 1: Breast, cervical, colon rectum anus, endometrial (uterine), kidney/ureter, melanoma, prostate, testicular, thyroid = SimpliNow Legacy Max
    If metastatic or recurrent cancer of the same type (stage 3 or 4) = Decline
    If taking any kind of hormone therapy, not considered under treatment = SimpliNow Legacy Max
    Other cancer not listed within 48 mos = SimpliNow Legacy
    Any non-melanoma skin cancer = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Cerebral Palsy

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Chronic cough

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    If diagnosed/treated/advised to receive treatment for chronic respiratory disorder (excluding asthma & sleep apnea) = Standard

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate
    If diagnosed/treated/advised to receive treatment for COPD/chronic bronchitis = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate
    If diagnosed/treated/advised to receive treatment for COPD/chronic bronchitis = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level
    If diagnosed/treated/advised to receive treatment within 12 mos = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If diagnosed/treated/advised to receive treatment for COPD/chronic bronchitis/other chronic respiratory disease = Standard, with "activity credit" - 3 days or more of 10 mins of activity = Preferred
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred
    If diagnosed/treated/advised to receive treatment for COPD/chronic bronchitis/chronic respiratory disorder = Standard

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level
    If diagnosed/treated/advised to receive treatment for chronic respiratory disorder (excluding asthma & sleep apnea) = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever chronic cough & tobacco = Decline
    If ever chronic cough & nonsmoker = SimpliNow Legacy
    If hospitalized more than once for it within 24 mos = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Chronic Obstructive Pulmonary Disorder (COPD)/Emphysema/Black Lung/Sarcoidosis/Pulmonary Fibrosis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed/treated/advised to receive treatment for (COPD)/emphysema/black lung = Standard
    If diagnosed/treated/advised to receive treatment for sarcoidosis/pulmonary fibrosis = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed/treated/advised to receive treatment for COPD/emphysema/chronic bronchitis = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed/treated/advised to receive treatment for COPD/emphysema/chronic bronchitis = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment COPD/emphysema/black lung/sarcoidosis = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If diagnosed/treated/advised to receive treatment COPD/emphysema/black lung = Standard, with "activity credit" - 3 days or more with 10 mins of activity = Preferred
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight)
    Pulmonary Fibrosis = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment COPD/emphysema/black lung = Standard
    If diagnosed/treated/advised to receive treatment for sarcoidosis = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever COPD/chronic bronchitis/chronic cough & tobacco = Decline
    If ever COPD/chronic bronchitis/chronic cough & nonsmoker = SimpliNow Legacy
    If hospitalized more than once for it within 24 mos = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Circulatory disorders/Peripheral Vascular Disease (PVD)/Peripheral Arterial Disease (PAD)/Phlebitis/Arteriosclerosis/Coronary Artery Disease (CAD)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    If surgery/stent, see surgery/stent

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline
    If surgery/stent, see surgery/stent

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline
    If surgery/stent, see surgery/stent

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 12 mos = Decline
    If meds/treatment over 12 mos = Graded
    If surgery/stent, see surgery/stent

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Standard
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 24 mos = Standard
    If meds/treatment over 24 mos = Preferred
    If diagnosed/treated/advised to receive treatment with coronary artery disease AND diabetes = Decline
    If surgery/stent, see surgery/stent

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If meds/treatment over 24 mos = Level
    If surgery/stent, see surgery/stent

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If heart attack or coronary artery disease with angioplasty/stent/bypass grafting within 6 mos = Decline
    If heart attack or coronary artery disease with angioplasty/stent/bypass grafting last 24 mos AND tobacco = SimpliNow Legacy
    If heart attack or coronary artery disease with angioplasty/stent/bypass grafting last 24 mos AND nontobacco = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Cirrhosis/Hepatitis A/B/C/Liver disease/Fatty liver

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever liver disease, Hepatitis A, B, C/cirrhosis = Standard
    If ever for fatty liver = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If treated for cirrhosis/Hepatitis C/chronic hepatitis within 24 mos = Return of Premium
    If treated for cirrhosis/Hepatitis C/chronic hepatitis within 25 mos - 36 mos = Graded
    If meds/treatment over 36 mos = Immediate, include date of treatment, cured date and date of negative results.
    If diagnosed with liver failure = Decline
    If ever for fatty liver = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever for liver failure = Decline
    If ever for liver disease/Hepatitis C/chronic hepatitis = Return of Premium
    If ever for fatty liver = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever for liver disease or Hepatitis B/C = Graded
    If ever for cirrhosis = Decline
    If ever for fatty liver/hep A = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If liver disease or disorder = Standard
    If ever for fatty liver = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 24 mos = Modified
    If meds/treatment over 24 mos = Preferred
    If ever for fatty liver = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment = Graded
    If ever for fatty liver = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever cirrhosis = Decline
    If ever Hepatitis B = SimpliNow Legacy
    If hepatitis A/C = SimpliNow Legacy Max
    GIWL, If ever = OK

  • 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)

Congestive Heart Failure (CHF)/Cardiomyopathy

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever for CHF = Decline
    If ever for cardiomyopathy = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If cardiomyopathy/CHF, diagnosed/treated/advised to receive treatment = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever for cardiomyopathy = SimpliNow Legacy
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Connective tissue disease

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If ages currently 0 - 17 = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy
    GIWL, If ever = OK

  • 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)

Covid-19

  • Foresters Plan Right

    Cannot have it currently

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    All states (except FL & ND) require covid addendum form, w 3 questions: Within 12 mos advised to be quarantined or tested positive and within 30 days advised to have testing for cough, shortness of breath which has not been completed?
    If within 90 days of Covid = ROP
    If after 90 days and no residual effects = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    All states (except FL & ND) require covid addendum form, w 3 questions: Within 12 mos advised to be quarantined or tested positive and within 30 days advised to have testing for cough, shortness of breath which has not been completed?
    If within 90 days of Covid = ROP
    If after 90 days and no residual effects = Immediate

  • MoO Living Promise

    No Covid in the past 30 days

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    Cannot have been hospitalized within 12 months. As long as not on oxygen or ventilator = OK

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    No restrictions

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    Will not accept anyone over age 79

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, No restrictions
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    No restrictions

Crohn's/Ulcerative Colitis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If for Ulcerative Colitis within 36 mos = Graded
    If for Crohn's = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If for Ulcerative Colitis within 36 mos = Decline
    If for Crohn's = OK
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Cystic Fibrosis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Declined for insurance

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    If declined for any Forester's product = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate
    If declined for any AmAm product = OK, Still need to answer questions

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    In the past 12 mos declined for insurance = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level
    If declined for any MoO product = OK

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If declined for any Trans product = OK

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If in the past 12 mos declined for insurance = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Diabetes/Complications of diabetes: neuropathy (taking gabapentin)/nephropathy/retinopathy/insulin shock/diabetic coma

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed at any age with diabetes with/without insulin = Preferred
    If diagnosed with diabetes with complications/hospitalized for more than 48 hours within 24 mos because of diabetes = Basic
    If ever in a diabetic coma/insulin shock = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed at any age with diabetes without insulin = Immediate
    If diagnosed before age 50 with diabetes with insulin = Return of Premium
    If diagnosed after age 50 with diabetes with insulin = Immediate
    If ever diagnosed with diabetes with complications, including insulin shock, diabetic coma = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed before age 21 with diabetes = Decline
    If diagnosed with diabetes currently taking insulin = Decline
    If ever diagnosed with diabetes with complications, including insulin shock, diabetic coma = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed before age 45 with diabetes = Graded
    If diagnosed after age 50 with diabetes with/without insulin = Level
    If diagnosed with diabetes with complications = Graded
    If ever in a diabetic coma/insulin shock = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever (insulin or pills) = Standard
    If ever in a diabetic coma/advised to have an amputation due to illness = Decline
    If ever diagnosed with diabetes with complications = Standard
    If currently ages 0 - 17 = Decline
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed at any age with diabetes with/without insulin = Preferred
    If diagnosed with diabetes with complications/diabetic coma/insulin shock within 24 mos = Modified
    If no meds for complications over 24 mos = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed at any age with diabetes with/without insulin = Level
    BUT if taking more than 80 units of insulin within 24 mos = Graded
    If diagnosed with diabetes with complications/diabetic coma/insulin shock within 24 mos = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diabetes with A1C of 8.6 or less & on insulin = SimpliNow Legacy
    If diabetic with A1C of 8.6 or less & NOT on insulin = SimpliNow Legacy Max
    If diabetic with A1C of 8.7 - 9.9 = SimpliNow Legacy
    If diabetic and A1C is 10.0+ = Decline
    If hospitalized for diabetes within 24 mos = Decline
    If diabetic and stroke or Coronary Disease = Decline
    Diabetic neuropathy = SimpliNow Legacy Max, based on above factors
    Amputation due to diabetic complications = Decline
    GIWL, If ever = OK

  • 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)

Disability

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred, as long as other questions answered no

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate, as long as other questions answered no

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level, as long as other questions answered no

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred, as long as other questions answered no

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred, as long as other questions answered no

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max, as long as other questions answered no
    GIWL, If ever = OK

  • Wellabe Whole Life

    50 - 85 Great Assurance & Graded Benefit, 40 - 80 Guaranteed Assurance

    If ever = Great Assurance, as long as other questions answered no

  • Wellabe Hospital Indemnity

    40 - 85

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

Down's Syndrome

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

DUI/DWI/moving violations/License suspended/revoked

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If convicted of DUI/license suspended/revoked within 24 mos = Decline
    If convicted of DUI/license suspended/revoked over 24 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If convicted of DUI/convicted more than once of reckless driving within 24 mos = Graded
    If convicted of DUI/convicted more than once of reckless driving over 24 mos = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If convicted of DUI within 24 mos = Decline
    If convicted of DUI within 2 yrs - 4 yrs = Standard
    If convicted of DUI over 5 yrs = Preferred
    If multiple offenses = Decline
    If currently ages 0 - 17 & any DUI = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If convicted of DUI within 24 mos = Modified
    If convicted of DUI over 24 mos = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If license suspended/revoked/3+ moving violations within 24 mos = Graded
    If license suspended/revoked/3+ moving violations over 24 mos = Level
    If convicted of DUI = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If DUI within 24 mos = Decline
    If over 24 mos = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Felony conviction/Incarcerated/Currently awaiting trial/Probation/Parole

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If convicted of felony within 24 mos = Decline
    If convicted of felony over 24 mos = Immediate
    If on probation/parole within 12 mos = Decline
    If misdemeanor = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If convicted of/awaiting trial for a felony within 24 mos = Graded
    If misdemeanor/probation/parole = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If convicted of or pled no contest to felony within 36 mos = Decline
    If convicted of or pled no contest to felony within 3 yrs - 5 yrs = Graded
    If convicted of or pled no contest to felony within 5yrs - 10 yrs = Standard
    If convicted of or pled no contest to a felony over 10 yrs = Preferred
    If multiple offenses = Decline
    If convicted of misdemeanor or probation/parole at any age = Preferred
    If currently ages 0 - 17 & felony = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If on probation/parole/convicted of felony/misdemeanor within 5 yrs = Decline
    If over 5 yrs = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If convicted/plead guilty/no contest within 24 mos = Decline
    If currently incarcerated = Decline
    If over 24 mos = SimpliNow Legacy Max
    If misdemeanor/probation/parole = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Gastric Bypass/Lap Band Surgery/Gastric Sleeve

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If within 12 mos had surgery = Return of Premium
    If over 12 mos since surgery = Immediate, confirm if previously took diabetes medications or other conditions

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level, still confirm diabetes not before age 45, etc

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred, still confirm answers any "ever" answers are no

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max, still confirm diabetes answers, etc
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Heart attack/Heart surgery/Stent placement/Defibrillator/Pacemaker/Ablation/Angioplasty/Angina

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed/treated/advised to receive treatment within 12 mos = Basic
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Standard
    If diagnosed/treated/advised to receive treatment over 24 mos = Preferred
    If had battery replacement at any time, if only laparoscopy = Preferred (typically only laparoscopy)

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever diagnosed/treated/advised to receive treatment within 24 mos = Return of Premium
    If diagnosed/treated/advised to receive treatment within 25 mos - 36 mos = Graded
    If diagnosed/treated/advised to receive treatment over 36 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 12 mos = Decline
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Graded
    If diagnosed/treated/advised to receive treatment over 24 mos = Level
    If had battery replacement at any time, if only laparoscopy = Level (typically only laparoscopy)

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Standard
    If hospitalized within 12 mos (not including childbirth or ER overnight) = Decline
    If had battery replacement at any time, if only laparoscopy = Preferred (typically only laparoscopy)
    If currently ages 0 - 17 & ever cardiac surgery = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 12 mos = Modified
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Standard
    If diagnosed/treated/advised to receive treatment over 24 mos = Preferred
    If had battery replacement at any time, if only laparoscopy = Preferred (typically only laparoscopy)

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If diagnosed/treated/advised to receive treatment over 24 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If angina diagnosed within 6 mos = Decline
    If angina diagnosed/treated with medications within 24 mos & nontobacco = SimpliNow Legacy Max
    If angina treated with medication & tobacco = SimpliNow Legacy
    If ever defibrillator implant = Decline
    If heart attack over 6 mos and within 24 mos AND nontobacco = SimpliNow Legacy Max
    If heart attack over 6 mos and within 24 mos AND tobacco = SimpliNow Legacy
    If heart attack within 6 mos = Decline
    If coronary artery disease (heart attacks are typically related to coronary artery disease) AND diabetes ever = Decline
    GIWL, If ever = OK

  • 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)

Heart murmur

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever innocent = Level
    If any other kind = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Height/Weight

Hospitalized for High Blood Pressure/High Blood Pressure (HBP)/Hypertension (HTN)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed with High Blood Pressure (HBP)/(HTN) = Preferred
    If currently hospitalized = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed with High Blood Pressure (HBP)/(HTN) = Immediate
    If currently hospitalized = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed before age 30 = Return of Premium
    If taking 3 or more meds = Return of Premium
    If currently hospitalized = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed with High Blood Pressure (HBP)/(HTN) = Level
    If currently hospitalized = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If diagnosed with High Blood Pressure (HBP)/(HTN) = Preferred
    If currently hospitalized or overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed with High Blood Pressure (HBP)/(HTN) = Preferred
    If currently hospitalized = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed with High Blood Pressure (HBP)/(HTN) = Level
    If confined within 12 mos = Graded
    If currently hospitalized = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diagnosed with High Blood Pressure (HBP)/(HTN) = SimpliNow Legacy Max
    If currently hospitalized = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Hospitalized/institutionalized for mental/nervous disorder

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If hospitalized/institutionalized in the past = Preferred
    If currently hospitalized/institutionalized = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If hospitalized/institutionalized in the past = Immediate
    If currently hospitalized/institutionalized = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If hospitalized/institutionalized in the past = Immediate
    If currently hospitalized/institutionalized = Decline
    Confirm meds are not for bipolar or schizophrenia

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If hospitalized/institutionalized within 24 mos = Graded
    If currently hospitalized/institutionalized = Decline
    Confirm meds are not for bipolar or schizophrenia

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If hospitalized over night within 12 mos (not including childbirth or ER overnight) or attempted suicide within past 24 mos = Decline
    If currently ages 0 - 17 & ever had attempted suicide = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If hospitalized/institutionalized in the past = Preferred
    If currently hospitalized/institutionalized = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If confined within 12 mos = Graded
    If currently hospitalized/institutionalized = Decline
    Confirm meds are not for bipolar or schizophrenia

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If hospitalized/institutionalized in the past 36 mos = Decline
    If currently hospitalized/institutionalized = Decline
    If over 36 mos = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If within 12 mos = Decline
    Confirm meds are not for bipolar or schizophrenia
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Hospitalized/Bedridden/Confined to Nursing Home/LTC facility, receiving hospice/home healthcare

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    Currently = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    Currently = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    Currently = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    Currently = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    Currently = Decline
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    Currently = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    Within 12 mos = Graded
    If admitted to a hospital 2 or more times within 12 mos = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, Currently = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Huntington's Disease

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    Doublecheck: RX list, possible Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Hypothyroid/Hyperthyroid

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Hysterectomy

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If non-cancerous = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If non-cancerous = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If non-cancerous = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If non-cancerous = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If non-cancerous = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If non-cancerous = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If non-cancerous = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If non-cancerous = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If non-cancerous = OK
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Inpatient surgery

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If pending surgery/not completed within 12 mos = Decline
    If surgery has been completed = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If pending surgery/not completed within 24 mos = Decline
    If surgery has been completed = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If pending surgery/not completed within 12 mos = Decline
    If surgery has been completed = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If pending surgery/not completed within 12 mos = Decline
    If surgery has been completed = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If pending surgery requiring general anesthesia = Decline
    If surgery has been completed = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If pending surgery/not completed within 12 mos = Decline
    If surgery has been completed = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If pending surgery requiring general anesthesia/not completed within 12 mos = Decline
    If surgery has been completed = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If pending surgery not completed within 12 mos = Decline
    If surgery has been completed = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If pending surgery/not completed within 24 mos = Decline
    If surgery has been completed = OK
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Kidney dialysis/Kidney disease/Kidney failure

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever for kidney disease/kidney failure/end stage renal disease = Standard
    If received dialysis within 12 mos = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever for kidney dialysis = Decline
    If ever for kidney disease/kidney failure/end stage renal disease = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever for kidney disease = Graded
    If kidney failure/end stage renal disease/received dialysis = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever for kidney disease or failure = Standard
    If dialysis = Graded

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever kidney disease = Modified
    If kidney failure/end stage renal disease/dialysis = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If diagnosed/treated/advised to receive treatment = Graded
    If dialysis = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If advanced or end stage renal disease or in need of dialysis = Decline
    Chronic Kidney Disease/Chronic Renal Insufficiency within 48 mos = SimpliNow Legacy
    GIWL, If ever = 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)

Lyme's Disease

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Marijuana use

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If used within 24 mos = Basic
    If over 24 mos = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If used within 24 mos = Return of Premium
    If over 24 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If used within 24 mos = Decline
    If over 24 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = OK

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If used within 24 mos = Decline
    If used within 2 yrs - 4 yrs = Graded
    If used within 4 yrs - 10 yrs = Standard
    If used over 10 yrs = Preferred
    If owner/insured/payor is employed in cannabis related business = Decline
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If used within 24 mos = Modified
    If over 24 mos = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If legal in state = Level
    If not legal in state = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • 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)

Mental incapacity/Mental retardation

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever and high functioning = OK
    Between ages 60 - 79 = Guaranteed Issue (6 mos waiting period for any hospitalization)

Multiple "Yes" answers

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If 2 or more “yes” answers in Standard section = Standard
    If “yes” answer and weight is Standard = Standard

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If 2 or more “yes” answers in Return of Premium section = Return of Premium
    If 2 or more "yes" answers in Graded = Graded
    If “yes” answer and weight is Graded = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If 2 or more “yes” answers in Return of Premium section = Return of Premium
    If 2 or more "yes" answers in Graded = Graded
    If “yes” answer and weight is Graded = Graded

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If 2 or more “yes” answers in Graded section = Graded
    If “yes” answer and weight is Graded = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If 2 or more “yes” answers = Graded
    If “yes” answer and weight is Standard = Graded

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If 2 or more “yes” answers in Standard section = Standard

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If 2 or more “yes” answers in Graded section = Graded
    If “yes” answer and weight is Graded = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If 2 or more "yes" answers in Graded section = SimpliNow Legacy, can be a Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    N/A = OK

Multiple Sclerosis/MS

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed/treated/advised to receive treatment within 36 mos = Graded
    If no meds/treatment over 36 mos (dormant) = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded
    If no meds/treatment over 4 yrs = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Standard

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Muscular Dystrophy

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Preferred

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Decline
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Narcotics/Pain meds

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever for narcotics = Preferred
    If taking suboxone/methadone/narcan (see drug abuse)

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever for narcotics = Immediate
    If taking suboxone/methadone/narcan (see drug abuse)

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever for narcotics = Decline
    If taking suboxone/methadone/narcan (see drug abuse)

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever use narcotics = Level
    If taking suboxone/methadone/narcan (see drug abuse), if prescribed naloxone as "back up"/filled 1/year, it is ok

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever for narcotics = Preferred
    If currently ages 0 - 17 & chronic pain = Decline
    If taking suboxone/methadone/narcan (see drug abuse), if prescribed naloxone as "back up"/filled 1/year, it is ok

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever for narcotics = Preferred
    However, it can be declineable even if all answers are no. If taking suboxone/methadone/narcan (see drug abuse)

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever for narcotics = It depends, on dosage and frequency taken per day (please use a different company 🙂 )
    If taking suboxone/methadone/narcan (see drug abuse)

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever for narcotics = SimpliNow Legacy Max
    If taking suboxone/methadone/narcan (see drug abuse)
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Organ/Bone marrow transplant/Organ surgically removed

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

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

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

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

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

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

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

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

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

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

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

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

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If received/advised to receive = Graded
    If donated/surgically removed an organ (not for cancer) = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Oxygen use

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If prescribed/used within 12 mos = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If currently using = Decline
    If prescribed/used within 24 mos = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If prescribed/used within 12 mos = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If prescribed/used within 12 mos = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If prescribed/used within 12 mos = Graded
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If prescribed/used within 12 mos = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    Currently or recommended = Modified

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If current = Decline
    GIWL, If ever = OK

  • 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)

Pancreatitis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Standard
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Paralysis of 2 or more extremities

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Parkinson's

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Standard

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Standard

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Post Traumatic Stress Disorder (PTSD)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    If currently hospitalized = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate
    Confirm medications are not for bipolar or schizophrenia

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level
    If hospitalized within 24 mos = Graded
    Confirm medications are not for bipolar or schizophrenia, if so = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If attempted suicide within past 24 mos or hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline
    If currently ages 0 - 17 = Decline, if only anxiety meds = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred
    If currently hospitalized = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level
    Confirm medications are not for bipolar or schizophrenia

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    Confirm medications are not for bipolar or schizophrenia, check hospitalization or suicide attempt
    GIWL, If ever = OK

  • 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)

Quadriplediga/Paraplegia

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Graded

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If can answer no to other questions/ADLs = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • 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)

Rheumatoid Arthritis or Osteoarthritis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever for Rheumatoid Arthritis = Return of Premium
    If ever for Osteorthritis = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 & Rheumatoid Arthritis = Standard
    If currently ages 0 - 17 & Osteoarthritis = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Sarcoidosis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever (mild/Stage 1 or 2) = Immediate
    If ever (severe/Stage 3 or 4) = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever (mild/Stage 1 or 2) = Immediate
    If ever (severe/Stage 3 or 4) = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Standard, with "activity credit" - 3 days or more of 10 mins of activity = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever AND related to COPD = Decline
    If ever without COPD = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If treated/diagnosed/advised to received 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)

Schizophrenia

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred
    If currently confined to a hospital/psychiatric facility = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate
    If currently confined to a hospital/psychiatric facility = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If attempted suicide within past 24 mos or hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline
    If currently ages 0 - 17 = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred
    If currently confined to a hospital or psychiatric facility = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy
    If suicide attempt = Decline
    If hospitalized within 36 mos = Decline
    GIWL, If ever = OK

  • 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)

Scleroderma

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded
    If no meds/treatment over 4 yrs = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If ages currently 0 - 17 = Standard

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If treated/diagnosed/advised to received 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)

Seizures/Epilepsy

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed/treated/advised to receive treatment within 36 mos = Graded
    If no meds/treatment over 36 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If diagnosed/treated/advised to receive treatment within 36 mos = Return of Premium
    If no meds/treatment over 36 mos = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 = Standard
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Sickle Cell Anemia

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If only the trait = OK
    If the Disease = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If only the trait = OK
    If the Disease = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If only the trait = OK
    If the Disease = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If only the trait = OK
    If the Disease = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If only the trait = OK
    If the Disease = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If only the trait = OK
    If the Disease = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If only the trait = OK
    If the Disease = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    If only the trait = OK
    If the Disease = Decline

  • Wellabe Hospital Indemnity

    40 - 85

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

Sleep Apnea

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

    If ever = OK

Spina bifida

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level, if minimal deformity

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Spinal Stenosis

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever, not on disability = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Stroke, TIA (Transient Ischemic Attack), Ministroke

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If diagnosed/treated/advised to receive treatment within 12 mos = Basic
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Standard
    If diagnosed/treated/advised to receive treatment over 24 mos = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If diagnosed/treated/advised to receive treatment within 24 mos = Return of Premium
    If diagnosed/treated/advised to receive treatment within 25 mos - 36 mos = Graded
    If diagnosed/treated/advised to receive treatment over 36 mos = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If diagnosed/treated/advised to receive treatment over 24 mos = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Standard, with "activity credit" - 3 days or more with 10 mins of activity = Preferred
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If diagnosed/treated/advised to receive treatment within 12 mos = Graded
    If diagnosed/treated/advised to receive treatment within 13 mos - 24 mos = Standard
    If diagnosed/treated/advised to receive treatment over 24 mos = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If diagnosed/treated/advised to receive treatment over 24 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If diagnosed/treated/advised to receive treatment for TIA within 6 mos or ever more than 1 TIA = Decline
    If diagnosed/treated/advised to receive treatment for stroke within 12 mos = Decline
    If diagnosed/treated/advised to receive treatment for stroke within 24 mos = SimpliNow Legacy
    If diagnosed/treated/advised to receive treatment for stroke over 24 mos = SimpliNow Legacy Max
    If stroke AND diabetes = Decline
    GIWL, If ever = OK

  • 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)

Systemic Lupus (SLE)

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Standard

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If diagnosed/treated/advised to receive treatment within 4 yrs = Graded
    If dormant (no meds) and over 4 yrs = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Standard

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever diagnosed/treated/advised to receive treatment within 24 mos = Graded
    If diagnosed/treated/advised to receive treatment over 24 mos = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Terminal illness

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If ever = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Decline

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Testing for which results have not been received/surgery not completed

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    In the past 12 mos been advised to have AND not completed = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    In the past 24 mos been advised to have AND not completed = Return of Premium

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    In the past 12 mos been advised to have AND not completed = Return of Premium

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    In the past 12 mos been advised to have AND not completed = Decline

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    In the past 12 mos been advised to have AND not completed = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    In the past 12 mos been advised to have AND not completed = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    In the past 12 mos been advised to have AND not completed = Graded

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, In the past 12 mos been advised to have AND not completed = Decline
    GIWL, If ever = OK

  • 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)

Unexplained gastrointestinal bleeding

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If ever = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Decline

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Decline

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If consulted with a physician within 12 mos = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred
    If currently ages 0 - 17 & digestive disorder = Standard
    If hospitalized overnight within 12 mos (not including childbirth or ER overnight) = Decline

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If ever = SimpliNow Legacy Max
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

Unexplained weight loss of greater than 10lbs

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If consulted with a physician within 12 mos = Decline

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If ever = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If ever = Immediate

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If consulted with a physician within 12 mos = Graded

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If ever = Preferred

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If within 12 mos = SimpliNow Legacy
    GIWL, If ever = OK

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If ever = Level

  • Wellabe Hospital Indemnity

    40 - 85

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

Wheelchair confinement

  • Foresters Plan Right

    50 - 85 Preferred & Standard, 50 - 80 Basic

    If USE a wheelchair due to illness/disease = Decline
    If use a wheelchair due to accident = Preferred

  • AmAm/Occ Platinum Solution Legacy

    50 - 85 Immediate, Graded & Return of Premium

    If use a wheelchair due to chronic illness/disease = Decline
    If use a wheelchair due to accident = Immediate

  • AmAm/Occ Platinum Solution Family

    0 - 49 Immediate, 18 - 49 Return of Premium

    If confined = Decline
    If use = Depends, must be working full time, look up condition causing wheelchair use

  • MoO Living Promise

    45 - 85 Level, 45 - 80 Graded

    If require a wheelchair/electric scooter = Decline
    If require a wheelchair/electric scooter for fractures, bone or joint surgery or replacement = Level

  • Transamerica Solutions

    0 - 85 Preferred & Standard, 18 - 80 Easy

    If ever = Preferred

  • CVS/Accendo Whole Life

    40 - 89 Preferred & Standard, 45 - 75 Modified

    If use a wheelchair/electric scooter = Decline

  • GPM Whole Life

    50 - 85 Level, Graded & Modified

    If use a wheelchair or any device to help with mobility = Modified

  • Corebridge Whole Life

    50 - 80 (SIWL) SimpliNow Legacy Max, SimpliNow Legacy & (GIWL) Guaranteed Issue WL

    SIWL, If currently use a wheelchair or electric scooter due to debilitating condition = Decline
    GIWL, If ever = OK

  • Wellabe Hospital Indemnity

    40 - 85

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

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Winchester, VA 22601

(540)431-4373

info@GoYou.Club

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