Whole

AFIB

Royal Neighbors - Level
Foresters - Preferred
Transamerica - Within 2 years Standard - Over 2 years Preferred
Americo - Modified

AIDS

Guarantee Issued

ALS (Lou Gehrig's disease)

Royal Neighbors - Level if over 2 years - Graded if less than 2 years

Alcohol abuse

Transamerica – Graded within 2 yr - Standard 2-4 yr - Preferred after 4 yr
Royal Neighbors - Decline if recommended by doctor last 18 months
Mutual of Omaha - Level after 2 years
Foresters - Graded within 2 years
Americo - Level after 2 years
AMAM – Level over 2 years - Modified less than 2 years

Aneurysm

Mutual of Omaha - Living Promise
Transamerica - Graded if it is not corrected or current - Standard corrected within 2 years
Royal Neighbors - Level if over 18 months - Declined under 18 months
Foresters - Graded if within 2 years or not repaired or removed
AMAM - Modified less than 2 years - Graded 2-3 years - Level if over 3 years

Angina (chest pain)

Transamerica - Graded within 1 year - Standard 2-3 years
Royal Neighbors - Declined within 18 months - Graded 18-36
Foresters - Graded within 1 year - Standard 2 years
Americo - Instant issue over 1 year
AMAM - Modified less than 2 years - Graded 2-3 years

Angioplasty (circulatory heart surgery)

Transamerica - Declined prior to 45 - Graded within 1 year - Standard 1-2 year
Royal Neighbors - Graded within 18 months - Decline less than 18 months
Foresters - Graded within 1 year - Standard 2 years
Americo - Instant issue over 1 year
AMAM - Modified less than 2 years - Graded 2-3 years
‍

Assisted Living

Royal Neighbors
Transamerica - Graded within 2 years

Bipolar

Royal Neighbors
Foresters - Preferred
Americo - Level
AMAM - Immediate
Mutual of Omaha - Level over 4 years
United Home Life - Express Issue Deluxe

Bypass surgery

Transamerica - Declined prior to 45 - Graded within 1 year - Standard 1-2 year
Royal Neighbors - Graded 19-24 months - Decline less than 18 months
Foresters - Graded within 1 year - Standard 2 years
Americo - Instant issue over 1 year

Cancer

Transamerica - Graded within 4 years
Royal Neighbors - Level over 2 years
Foresters - Graded within 3 year - Standard 2 years
Americo - Instant issue over 1 year
Mutual of Omaha - Level after 4 years - Graded within 4 years
United Home Life - Premier over 2 years

COPD

Cardiomyopathy

Royal Neighbors - Level over 2 years - Declined under 18 months
Transamerica - Standard

Cirrhosis (liver)

Royal Neighbors - Level over 2 years
AMAM - Graded 2-3 years - Level after 3 years

Congestive Heart Failure

Transamerica - Graded onset age 45-80

DUI/DWI

Mutual of Omaha - Level if 1 conviction in the past 2 years
‍Americo - Level
Foresters - Preferred
United Home Life - Premier if over 2 years - Deluxe 2 years or less

Depression

Foresters - Preferred
Americo - Level

Disability

Foresters - Preferred
Americo - Guaranteed issue no complication
Mutual of Omaha - Level Death Benefit if diagnosed after 50
United Home Life - Premier if Oral med only - Deluxe if insulin

Diabetes - No complication

Foresters - Preferred
Americo - Guaranteed issue no complication
Mutual of Omaha - Level Death Benefit if diagnosed after 50
United Home Life - Premier if Oral med only - Deluxe if insulin

Drug Abuse

Foresters - Graded within 2 years
Americo - Declined within 2 years
Royal Neighbors - Declined within 18 months

Dialysis

Current - Guarantee issue
Foresters - Over 1 year (call underwriter)
Transamerica - Graded over 1 year

Felony

Royal Neighbors
Americo
Foresters

Heart Attack

Transamerica - Graded prior to age 45 - 45 and above, Graded 2-3 years
Royal Neighbors - Graded 18-24 months - Level over 2 years
Foresters - Graded within 1 year - Standard within 2 years
Americo - Level over 1 year
Mutual of Omaha - Graded within 2 years
United Home Life - Premier over 2 years

Heart surgery

Transamerica - Graded prior to age 45 - 45 and above, Graded 2 years
Royal Neighbors - Graded 18-24 months - Level over 2 years
Foresters - Graded within 1 year - Standard within 2 years
Mutual of Omaha - Declined within 1 year
AMAM - Modified within 2 years - Graded 2-3 years

Hepatitis

Foresters - Fully Underwritten (6 months look back - call underwriter)
Mutual of Omaha - Living Promise Graded

Home Health Care

Royal Neighbors

Kidney/renal disease (no dialysis)

Transamerica - Standard, stage 1-3 within 4 years - Graded stage 4-5
Royal Neighbors - Declined within 2 years
Foresters - Standard
AMAM - Modified
Americo - Immediate if not chronic

Lupus

Transamerica - Graded within 2 years - Standard if no treatment
Foresters - Standard
AMAM - Modified systemic last 2 years - Level after 2 years
Americo - Immediate
‍

MS (Multiple Sclerosis)

Royal Neighbors - Level
Foresters - Preferred
AMAM - Graded if diagnosed, treated ,or hospitalized within the past 3 years
Americo - Level
Mutual of Omaha - Level over 4 years - Graded otherwise
United Home Life - Premier over 2 years with no med

Muscular Dystrophy

Royal Neighbors - Graded within 2 years - Level otherwise
Foresters - Preferred
AMAM - Graded

Neuropathy

Royal Neighbors - Level
Foresters - Graded
AMAM - Modified
Americo - Level based on medication
United Home Life - Express Issue

Organ Transplant

Guarantee Issue

Oxygen

Guarantee Issue
Foresters - Preferred if use for sleep apnea

Parkinson

Transamerica - Graded prior to age 45 | 45-85, standard 2-3 years
Royal Neighbors - Graded
Foresters - Standard is can do 6 ADL
Americo - Immediate over 1 year

Pacemaker

Transamerica - Declined prior to age 45 - Graded within 1 year
Royal Neighbors - Declined under 18 months - Graded otherwise
Foresters - Graded within 1 year - Standard within 2 years
Americo - Immediate over 1 year

Schizophrenia

Foresters
Royal Neighbors
Americo
AMAM

Seizures

Mutual of Omaha
Foresters - Preferred
Americo - Immediate

Stent Placement

Stroke (within 12 months)

United Home Life - Premier if over 2 years
Foresters - Graded within 1 year - Standard within 2 years
Americo - Immediate over 1 year
AMAM - Graded within 3 years
Mutual of Omaha - Graded within 2 years

Term

Arthritis

Foresters - Accept Mild Rheumatoid - check RX Humira, Enbrel, Prednisone
Mutual of Omaha - check RX Enbrel, Methotrexate, Humira, Xeljanz
John Hancock - Accept Mild Rheumatoid - check RX Humira, Enbrel, Prednisone
United Home Life

AIDS

John Hancock
1. Complete the 2 required authorization and pre-screening docs where you and your client have to sign off
2. Client would need to request their last 5 years of medical records from the infectious disease doctor
3. Once you get the records, email Stacy Green stacygreen@jhancock.com along with the forms
4. She will tell you if they qualify to move forward and the next step

ALS (Lou Gehrig's disease)

John Hancock
Foresters

Alzheimer/dementia

N/A

Aneurysm

John Hancock

Angina

John Hancock

Angioplasty

N/A
‍

Anxiety

Mutual of Omaha
John Hancock
United Home Life

AFIB

John Hancock

Assisted Living

N/A

Asthma

John Hancock - check meds
American Amicable - check meds

Auto Immune Disorder

Mutual of Omaha
Foresters
John Hancock

Autism

American Amicable - see mental incapacity
Foresters - see mental incapacity

Bipolar

NLG - check meds
John Hancock
United Home Life

Cancer

United Home Life - Over 5 years since last med and treatment
After 2 years, fully underwritten with Foresters or Mutual of Omaha
Check stage, the size and meds with underwriter.

COPD

Foresters - non smoker mild, no oxygen

Crohn

Mutual of Omaha
John Hancock

Diabetes

Foresters
John Hancock

Disabled

Mutual of Omaha - Maternity, spinal/back disorders, hip or knee replacement or fractures
Foresters - check with underwriting (individual case)

Depression

John Hancock - Psychosis, schizophrenia, or suicide attempt - DECLINE; otherwise ok
Foresters - Mild, onset after age 25, diagnosed more than 1 year ago, no hospitalization; OK; Severe, major depression, bi-polar or schizophrenic - DECLINE

DUI

Foresters - over 12 months / 2 DUI 5 years
Americo - within 2 years. 3 or more, decline

Drug Use

Foresters - Other than marijuana, decline
American Amicable - 4 years

Epilepsy

Mutual of Omaha
John Hancock

Felony

American Amicable - 5 years (email underwriting)
Foresters - 5 years (call)

Hepatitis

John Hancock

Huntington Disease

American Amicable

Heart Attack

United Home Life - 5 years from treatment, surgery

Marijuana

Foresters - Recreational use
Americo - Recreational use (smoker rate)
John Hancock

Multiple Sclerosis

Foresters - Last treatment 5 years +100
SBLI - Last treatment 5 years
NLG - Last treatment 5 years +50
‍

Lupus

Systemic - Decline
‍

Neuropathy

Without Diabetes
American Amicable
John Hancock

Organ Transplant

Guarantee Issue

Parkinson

N/A

Pilot/Student Pilot

Mutual of Omaha
John Hancock

Seizures

Mutual of Omaha
Foresters - Preferred
Americo - Immediate

Sickle Cell

United Home Life 20/30/ROP
‍D

Sleep Apnea

Mutual of Omaha
John Hancock

TIA/Stroke

American Amicable for TIA only
Stroke - N/A

Wheelchair

American Amicable
John Hancock