In past 4 years. OK after 4 years since no use.
In past 10 years, if used alcohol to a degree that required treatment or advised to limit or discontinue its use.
In past 5 years advised to reduce, stop or seek treatment for.
In past 5 years. Also alcohol-related pancreatitis.
In past 10 years.
In past 5 years, medical treatment or counseling for the use of alcohol, or drugs (illegal or prescribed).
In past 2 years ONLY IF admitted or advised to enter a special treatment facility.
EVER.
EVER.
EVER.
EVER.
EVER.
EVER diagnosed or treatment advised in past 5 years.
N/A
EVER.
EVER.
EVER.
EVER.
EVER also mental incapacity.
EVER diagnosed or treatment advised in past 5 years.
In past 2 years.
Caused by disease.
If either your right or left foot or leg caused by diabetes.
Due to diabetes is a decline. Permanent use of walker, wheelchair, scooter is decline. Otherwise, OK.
Caused by disease. Caused by injury is OK.
Caused by disease.
Due to diabetes is a decline. Permanent use of walker, wheelchair, scooter is decline. Otherwise, OK.
N/A
EVER.
Ever for Cerebral, Aortic or Thoracic Aneurysm, Abdominal Aortic Aneurysm.
In past 10 years.
In past 10 years if no treatmentor medications.
EVER, cerebral, aortic or thoracic.
In past 5 years, also including Cerebral, Aortic or Thoracic Aneurysm, Abdominal Aortic Aneurysm.
N/A
Receiving SSI benefits for disability and/or currently not employed due to medical reasons.
If currently on disability.
N/A
For disaibility only, call underwriting.
In past 12 months, except maternity, fractures, spinal or back disorders.
In past 12 months (other than for maternity, fractures, spinal or back disorders or hip or knee replacement).
N/A
Currently.
Currently.
EVER.
In past 12 months.
In past 12 months.
In past 2 years.
EVER.
EVER.
Possibly OK. Check medication list.
EVER.
EVER.
EVER diagnosed or treatment advised in past 5 years.
N/A
Including major depression & suicide attempt. Anxiety, 1 medication, situational in nature = OK
EVER including Major Depression, Chronic Depression, or any other nervous disorder & suicide attempt. Also, mild or situational depression/anxiety diagnosed in past 6 months, or if been hospitalized is a decline.
EVER, also attempted suicide.
EVER. Also severe, major depression is a decline. Decline if taking Lithium, Seroquel, Abilify or Respidol.
EVER. Also mental incapacity.
EVER diagnosed or treatment advised in past 5 years.
N/A
N/A
EVER for thalassemia, clotting disorders, or other disorders of the blood.
N/A
N/A
N/A
In past 5 years for Granulomatosis with Polyangitis (GPA), Churg-Strauss Syndrome & Microscopic Polyangitis.
N/A
EVER, except basal cell or squamous cell skin cancer or 8 years since surgery/diagnosis/last treatment with no recurrence or additional occurrence (7 years for Home Protector). Leukemia is always a decline.
EVER, except basal cell skin cancer. Also in past 10 years for unexplained infections or skin lesions, unexplained swelling of the lymph glands, Kaposi Sarcoma.
Decline if within 5 years. Decline if within 10 years for leukemia, lymphoma, liver cancer, lung cancer, or pancreatic cancer. If cancer was any type other than those listed, or if between 5 and 10 years, consideration is possible with medical records. Basal and squamous cell skin cancer can be considered for coverage.
Treatment in past 10 years. Cancer with treatment completed over 10 years with no recurrence or recommended treatment is OK. All other cancer including Hodgkins & Non Hodgkins Lymphoma is declined (except basal cell skin).
EVER, except basal cell or squamous cell skin cancer.
In past 5 years for any Cancer, Tumor, Leukemia, Lymphoma, or Melanoma (except basal cell or squamous cell skin cancer).
In past 2 years (excluding Basal or Squamous cell skin cancer).
EVER, also for Arteriosclerosis.
EVER been treated for any blood circulation condition.
EVER.
Artery blockage is a decline in past 10 years.
N/A
N/A
N/A
EVER.
EVER.
EVER.
EVER.
EVER.
EVER.
N/A
EVER. Also insufficiency, Nephrectomy, Polycystic Kidney Disease.
EVER. Also End-Stage Renal Disease, Renal Insufficiency & any condition within the last 5 years that required dialysis.
EVER.
EVER.
EVER.
Dialysis in past 12 months, others in past 5 years including End Stage Renal Disease.
N/A
N/A
N/A
Chronic bronchitis - chronic productive cough for more than 3 months in each of the last 2 successive years.
For chronic cough, call underwriting. If associated with COPD = decline.
N/A
In past 12 months.
N/A
EVER including asthma if severe, hospitalization/ER visit in past 12 months, maintenance steroid use or combined with tobacco use. Sleep apnea if combined with history of overweight, poorly controlled high blood pressure, COPD or heart arrhythmia = Decline.
If asthma is mild, occasional, brief episodes, allergic, seasonal, moderate (more than 1 episode/month) = OK Tuberculosis within 2 years of treatment or diagnosis is decline, if over 2 years w/no residuals is OK.
EVER including Sarcoidosis & Pulmonary Hypertension, exlcuding mild asthma. Asthma for which you take daily oral steroid medications or if in past 12 months visited an Emergency Department, or been hospitalized is a decline.
Sleep apnea diagnosed in past 6 months or for which not being treated (CPap or BiPap) is a decline.
Pneumocystis Carinii Pneumonia in past 10 years is a decline.
COPD, chronic bronchitis & emphysema is a decline. For asthma, Decline if moderate and smoker. Decline if severe.
Moderate Asthma = Asthma with daily symptoms and exacerbations 2 or more times per week, some restrictions of activities, daily use of bronchodilator, up to two weeks of missed time from work in the past 12 months.
Severe Asthma = Asthma with daily symptoms, could have a hospital admission within the past year, symptoms frequently not relieved with treatment, could have history of life-threatening attack, greater than two weeks of work missed due to asthma in the past 12 months.
Sarcoidosis - decline if active disease and/or residual pulmonary impairment. If in past 5-10 years had any disease/disorder of the respiratory system = call underwriting.
COPD in combination with Smoker is a decline. Mild COPD for non-smokers if no prescription steroids, major COPD meds or oxygen is OK. Mild means little to no shortness of breath with exertion (able to climb at least 1 flight of stairs with no shortness of breath.
These meds are a decline: Anoro Ellipta, Bevespi Aerosphere, Daliresp, Stiolto Respimat, Trelegy Ellipta, Utibron Neohaler. If more than 1 COPD med is listed it's a decline.
Asthma if severe or hospitalized is a decline.
Acute bronchitis is OK. Sarcoidosis is pulmonary only.
Sleep apnea - if in past 3 years diagnosed/treated/meds/tested positive or received medical advice, call underwriting.
EVER (except mild asthma) also COPD.
In past 5 years, including any other Chronic Lung Disorder (except mild Asthma).
N/A
Decline if it has been less than 90 days since testing positive for and/or full recovery from corona virus, or if in past 30 days been advised to get specified medical care (such as any diagnostic testing or hospitalization) which was not completed as result of fever, cough, shortness of breath, fatigue (excluding HIV/AIDS). For these, postpone until the applicant has been fully recovered for longer than 90 days.
In past 3 months, been hospitalized or in any other medical facility for covid or been advised to have any mechanical aid to assist in breathing due to covid.
In the last 6 months you've been advised that you have a residual medical diagnosis associated with a resolved COVID-19 infection including shortness of breath, difficulty breathing or damage resulting in ongoing respiratory disease.
In the last 30 days, you've been diagnosed, treated, or been given medical advice for a new or unexplained continuous cough, a high temperature or fever, chest pain, severe digestive pain, severe fatigue and/or breathing difficulties
If diagnosed or tested positive, wait 14 days from the date of diagnosis or positive test to take the application, a phone interview will be ordered. If they've been hospitalized overnight due to covid, case will be postponed until 3 years medical records are received, at the clients expense.
N/A
If the proposed insured or any member of his or her household has traveled or resided outside of the United States within the past 30 days, the application will be postponed until 30 days following their return. If the proposed insured or any member of his or her household has come into close contact with anyone known to the insured to have tested positive for COVID-19, the application will be postponed until 30 days following their exposure.
In addition, anyone testing positive for the COVID-19 virus or those who have been hospitalized or quarantined for the virus will have their application postponed for a minimum of 90 days.
N/A
N/A
Diagnosed prior to age 20 or in past 12 months.
EVER.
Decline if moderate or severe, meaning less than one year since last attack or flare-up, symptoms include fever, anemia, severe colic, dehydration, weight loss and/or hospitalization, surgery being contemplated or surgery less than 6 months ago. Moderate to severe Crohn's could also include recurrence of symptoms after surgery.
OK if over 5 years in remission.
Ok as long as they're not on disability.
N/A
N/A
In past 12 months.
Including rehabilitation facility.
Currently, also bedridden & nursing home.
If in past 5 years call underwriting, otherwise OK.
In past 12 months.
Currently.
N/A
EVER.
EVER.
Ever for any degenerative muscle & nerve disease/disorder.
EVER.
EVER.
In past 5 years.
N/A
Combined with overweight, gout, retinopathy, protein in urine, diagnosed prior to age 35, tobacco use in past 12 months, uses insulin & blindness caused by diabetes.
If diagnosed/treated/advised in past 10 years AND if diagnosed in past 6 months, diagnosed prior to age 35, in past 3 months taken more than 2 meds to control blood sugar, in past 6 months had an A1c reading of more than 8.0 or told that your diabetes is uncontrolled, been treated for cellulitis, neuropathy or amputation of either your right or left foot or leg.
Insulin (type I) - all under age 50, also any complications: circulation, eye, kidney, insulin shock, coma, leg ulcers, amputation, poor control, smokers, combo of diabetes with coronary artery disease or ratable build.
Type II - all under age 30, with tobacco use, ages 50-65 with use of tobacco & had diabetes over 15 years. Check diabetes height/weight chart.
Type 1 & 2: If A1C is 10.9 or lower & there's no history of vision, nerve pain, kidney or other complictations or heart disease, check eligibility at https://ezbiz.foresters.com/sfdiabetesratings. Diabetes questionnaire is required with app.
Under age 45 is automatic decline. Above age 45 with table 2 or higher build, tobacco or peripheral vascular disease (PVD) is decline. All others should contact underwriting.
Ever diagnosed OR treatment advised in last 5 years for insulin use, prior to age 50 (other than gestational), any complications of Neuropathy (nerve), Retinopathy (eye), Nephropathy (kidney) or Peripheral Vascular Disease (PVD or PAD).
N/A
Peripheral Vascular Disease.
EVER for mental incapacity.
EVER.
Ever for Alzheimer's, dementia.
Ever for Bipolar, Depression, Schizophrenia, Alzheimer's, Dementia, mental incapacity.
EVER diagnosed or treatment advised in past 5 years including Hydrocephalus.
N/A
EVER.
EVER.
EVER.
EVER.
EVER.
EVER diagnosed or treatment advised in past 5 years.
N/A
Illegal drug use or treatment in the past 4 years. Over 4 years & no use since is OK.
In past 10 years, including morphine, other unprescribed narcotics, ecstasy, opium derivatives, marijuana for medical purposes & treatment for drug use. Also in past 10 years been convicted of possession of unlawful drugs.
In past 5 years used or treated for amphetamines, cocaine, narcotics (other than marijuana), hallucinogens, barbiturates. Also advised to reduce, stop or seek treatment for abuse of prescribed or non-prescribed drugs.
Except occasional social use of marijuana (smoker rates apply).
In past 10 years, also convicted of possession of drugs.
In past 5 years, Use, positive test, or possession conviction for illegal drugs, narcotics and other habit-forming drugs (includes medical marijuana and opioids, unless used only as prescribed).
In past 2 years ONLY IF admitted/advised to enter a special treatment facility.
In past 3 years a DWI, 2 or more accidents, 3 or more driving violations or combination thereof, or license currently suspended or revoked.
In past 2 years, convicted, pled guilty, or entered into a plea agreement for DUI for drugs/alcohol, or reckless driving, pled guilty to or been convicted of 3+ moving violations or license suspended or revoked for any driving-related criticism.
DUI in past 3 years or multiple DUIs in past 10 years, also in past 3 years had 3 or more moving violations or had drivers license suspended or revoked.
Single DUI within 12 months or 2 DUI within 5 years is a decline. More than 2 DUI, call underwriting. For suspended/revoked license: If the infraction is over a year we don't specifically need the license to be reinstated but we do evaluate based on the age, the nature of the offense and whether there are other moving violations.
In past 5 years, also 4 or more moving violations.
In past 2 years including been convicted or plead guilty to 3 or more moving violations.
N/A
N/A
EVER.
N/A
N/A
N/A
N/A
N/A
Convicted of misdemeanor or felony in past 5 years, also probation or parole the past 6 months.
In past 10 years been convicted of, pled guilty to, or currently awaiting trial for a felony.
In past 3 years for probation, parole, arrest, convicted, pled guilty to any crime or possession or distribution of drugs/illegal substances.
If jail time has been served, will consider 5 years after parole. For criminal activity with no jail time, will consider 1 year after probation or parole.
In past 10 years, convicted of or currently awaiting trial for a felony. If currently on parole/probation, call underwriting.
In past 5 years, conviction or guilty plea.
N/A
N/A
In past 10 years for recurrent fever, fever of unknown origin or severe night sweats.
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
No depression, working full time is OK
N/A
N/A
N/A
N/A
Decline if in next 2 years, intend to work/travel/reside in Saudi Arabia, Iraq, Afghanistan, Syria, Somalia, Sudan, or Yemen for more than 30 days, or reside outside the United States at any location more than 180 days. US citizens making short trips (4 weeks or less) out of the country for business, pleasure, or educational purposes are usually acceptable risks, depending on their destination.
Call underwriting if in next 2 years, plan to travel outside of the USA or Canada for more than 30 consecutive days & provide details that include what country you will be residing in, the length of time you plan to reside outside of the USA, the reason for your foreign residency, and your occupation/job duties while you are living abroad.
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
In past 12 months.
N/A
EVER including Aortic Insufficiency, Aortic Stenosis, Arteriosclerosis, Cardiomyopathy, CHF, fibrillation, arrhythmia, heart murmur with history of treatment/surgery, hemophilia, Marfan Syndrome, mitral Insufficiency, blood pressure uncontrolled or using 3+ meds, valve replacement.
Ever including Valvular Heart Disease, Cerebrovascular Disease, Cardiomyopathy, Congestive Heart Failure, Congenital Heart Disease, abnormal heart rhythm & Defibrillator.
In past 10 years diagnosis or required follow up, also aneurysm, angina, arrhythmia, cardiomyopathy, congenital, congestive heart failure, valve replacement, valve disorder, pacemaker, heart/circulatory system or defibrillator. Decline if ever received a cardiac defibrillator implant. Heart disease diagnosed or treated more than 10 years ago may be considered, but medical records may be required to help in the determination of acceptable risk.
Past 10 years, also angina, aortic & mitral insufficiency & stenosis, arrhythmia, blockage, pacemaker, congestive heart failure, peripheral vascular disease, murmur (murmur's that are "innocent" with no symptoms & no treatment are OK).
EVER, also valvular heart disease with repair or replacement, cardiomyopathy, congenital heart disease/failure, abnormal heart rhythm, pacemaker.
In past 5 years also including Valvular Heart Disease with repair or replacement, Cardiomyopathy, congestive heart failure, Congenital Heart Disease, abnormal heart rhythm (Tachycardia, Atrial Fibrillation (Afib), Atrial Flutter, Bradycardia, Ventricular Fibrillation).
In past 2 years ONLY FOR heart attack, heart surgery, cardiomyopathy & congestive heart failure.
YES
YES
YES
YES
YES
YES
NO
History of/diagnosis/treatment for Hep B or C.
EVER excluding Hepatitis A if fully recovered.
In past 5-10 years.
EVER.
EVER.
In past 5 years.
N/A
EVER.
In past 10 years diagnosed or tested positive for HIV or AIDS or Pneumocystis Carinii Pneumonia.
EVER, also ARC.
EVER.
EVER.
EVER (diagnosis or positive test only).
N/A
If uncontrolled or using 3+ meds to control = decline.
If diagnosed/treated/advised in past 10 years AND if initial diagnosis in past 4 months, original diagnosis given before age 30, currently taking more than 3 medications to control blood pressure, had an abnormal EKG or echocardiogram in past 12 months, in past 6 months been told that your blood pressure was uncontrolled, ever been treated for any heart disease/disorder including chest pain or blood circulation condition.
In past 5 years.
In past 10 years.
In past 5 years.
N/A
Major depression, bipolar disorder, schizophrenia, severe mental retardation & suicide attempt.
EVER for mental incapacity. Also mild or situational depression/anxiety diagnosed in past 6 months, or for which you have been hospitalized.
EVER for any disease of brain. Psychiatric disorders in past 10 years. Also ever attempted suicide.
If in past 5 years call underwriting, otherwise OK.
In past 10 years.
EVER diagnosed or treatment advised in past 5 years, also for mental incapacity regardless of hospitalization.
N/A
EVER.
EVER including Demyelinating Disease & Hydrocephalus.
EVER.
EVER.
EVER.
EVER diagnosed or advised treatment in past 5 years.
N/A
EVER.
EVER also, in past 10 years for immune deficiency or Pneumocystis Carinii Pneumonia.
EVER.
Marfan's syndrome & spina bifida is a decline.
N/A
In past 5 years for Marfan syndrome.
N/A
If surgery in past year or history of complications such as Dumping Syndrome = decline. After 1 year since surgery with no complications = OK.
In past 2 years results that require additional or follow-up diagnostic testing or treatment, or for which results are still pending or referral to another licensed member of the medical profession or facility for consultation or treatment that has not been completed. Also, in past 12 months, recommended but not yet completed any treatment, surgery, or hospitalization.
Postpone 6 months from time of surgery, then call underwriting (it's an automatic 2 table rateup + rateup for height/weight).
Marfan's syndrome & spina bifida is a decline.
Gastric bypass after 1 year is OK, any gastrointestinal bleeding in past 12 months is decline.
N/A
N/A
EVER.
EVER including liver failure.
EVER.
EVER.
EVER.
In past 5 years.
N/A
EVER.
EVER.
If moderate or severe. Can include swollen joints, pleuritic chest pain and pleural effusion and or complications with kidneys.
EVER.
EVER.
In past 5 years.
N/A
N/A
N/A
Decline until disease is not present after treatment with antibiotics.
Decline.
N/A
N/A
N/A
In past 10 years if used marijuana for medical purposes or in past 2 years if smoked marijuana for recreational purposes.
If smoked, tobacco rates apply. If ingested, tobacco rates do not apply. In past 3 years, used in any form more than 4 days/week = call underwriting.
Recreational: up to 6 times/week is OK; daily use = call underwriting. Medical = call underwriting & the drug & substance usage questionnaire is required.
EVER.
N/A
If deployment orders are pending, or have been received (verbal or written), please indicate and supply the location of the next duty site for underwriting consideration. If active & currently deployed or orders to be deployed in Saudi Arabia, Iraq, Afghanistan, Syria, Somalia, Sudan, or Yemen = decline.
N/A
N/A
N/A
N/A
Commercial pilot for regularly scheduled airline or Private Pilot with more than 100 solo hours = OK. Other pilots or student pilots = Decline. Also including rodeo events.
Decline if in past 2 years including: cave diving, underwater photography, canyoning, or Scuba diving over 100 ft. If in the past 2 years, made any flights as a pilot or student pilot aviation exclusion will be included.
Also if cliff diving, scuba diving with depth over 130 feet, ultra-light flying, or plan any such activity in the next 2 years AND if flown, or intend to fly within the next 12 months in an aircraft as a student or a private licensed pilot.
In past 2 years or next 2 years, call underwriting. Also for scuba diving, ballooning, ultra light flying & flown or flying as a student pilot or licensed pilot.
In the next 2 years is a decline. Only commercial airline pilots are OK. Any recreational, firefighting, or helicopter pilots are not eligible.
Plan to in next 2 years, doesn't mention pilots.
N/A
EVER.
EVER.
In past 10 years.
EVER.
EVER.
EVER diagnosed or advised treatment in past 5 years.
N/A
EVER.
EVER.
EVER.
EVER.
EVER.
EVER diagnosed or advised treatment in past 5 years.
N/A
EVER.
EVER.
EVER, also bone marrow.
EVER.
EVER.
EVER diagnosed or treatment advised in past 5 years including bone marrow.
In past 2 years.
Been prescribed narcotics to alleviate the pain of a chronic condition & have continued this medication for more than 6 months.
Call Underwriting. The following medications will cause an underwriting review or decline: Hydrocodone ( Vicodin), Oxycodone ( Percocet), Methadone, Fentanyl, Morphine, Oxycodine, Oxycotin.
Anything more than temporary use for a recent surgery would be a decline. Also if pain narcotics are prescribed by multiple doctors it will be declined.
Pain killers combined with antidepressants or antianxiety will be declined. If the client is disabled and taking medications this will be declined. An exception to this may be if the client recently had a surgery and is taking them short term.
N/A
N/A
Chronic pancreatitis or multiple episodes.
N/A
EVER.
Alcohol related or chronic (single attack, acute over 1year ago, non alcohol related, no complications are OK).
Chronic only.
N/A
N/A
EVER.
EVER including any nervous disorder.
EVER.
EVER.
EVER.
EVER diagnosed or treatment advised in past 5 years.
N/A
In past 6 months.
In past 10 years or currently, if served or been released from incarceration, probation, parole, or other court-ordered supervision for a misdemeanor or felony conviction.
In past 3 years for probation, parole, arrest, convicted, pled guilty to any crime or possession or distribution of drugs/illegal substances.
If jail time has been served, will consider 5 years after parole. For criminal activity with no jail time, will consider 1 year after probation or parole.
If currently on parole/probation, call underwriting.
Currently, including awaiting trial.
N/A
N/A
N/A
N/A
N/A
In past 12 months.
N/A
N/A
N/A
If currently pregnant & been diagnosed with any complications of pregnancy including gestational diabetes, pregnancy-induced high blood pressure or toxemia, a multiple fetal pregnancy, or have you been advised to limit your normal activities, stop work, or be on bed rest.
N/A
N/A
N/A
N/A
N/A
N/A if meds are OK.
Single episode & mild is OK, otherwise call underwriting.
N/A
N/A
EVER.
EVER.
EVER.
EVER.
EVER.
EVER diagnosed or treatment advised in past 5 years.
N/A
Currently.
Currently confined to hospital, medical facility or rehab facility.
EVER.
In past 12 months.
In past 12 months.
In past 2 years including special treatment facility.
EVER except minimal, slight impairment.
EVER including debilitating or disabling arthritis, chronic joint or disc disease. Also, psoriatic or other inflammatory arthritis diagnosed in past 6 months or for which you are undergoing infusion therapy or being prescribed biologics or take daily oral steroids.
If severe & required follow up. Can include marked deformities in joints, rheumatoid nodules, restrictions in movement, needs assistance with some ADLs, chronic daily pain, involvement widespread in multiple joints.
Moderate/severe, RX include Humira, Embrel, Prednisone. Mild with no limitations is OK.
Moderate/severe treated with Humira, Embrel or Methotrexate.
In past 5 years.
N/A
EVER.
EVER.
Decline if active disease and/or residual pulmonary impairment.
Sarcoidosis is pulmonary only. Sleep apnea - if in past 3 years diagnosed/treated/meds/tested positive or received medical advice, call underwriting.
EVER (except mild asthma) also COPD.
In past 5 years.
N/A
EVER also major depression & suicide attempt.
EVER including Major Depression, Chronic Depression, or any other nervous disorder & suicide attempt.
EVER.
EVER. Also severe, major depression is a decline. Decline if taking Lithium, Seroquel, Abilify or Respidol.
EVER also mental incapacity.
EVER diagnosed or treatment advised in past 5 years.
N/A
EVER.
EVER.
EVER.
EVER.
EVER.
EVER.
N/A
All except Petit Mal.
Epilepsy or seizure disorder in past 6 months or has caused you to be hospitalized in past year, or do you have any driving restriction due to Epilepsy or Seizure Disorder.
With seizures within the past year.
In past 2 years is decline, after 2 years if controlled on meds, no seizures & no complications is OK.
Decline only if severe and frequent grand mal seizures. Otherwise, OK.
N/A
N/A
EVER.
EVER.
EVER.
EVER.
EVER.
EVER diagnosed or advised treatment in past 5 years.
N/A
EVER for stroke. For TIA, if combined with Tobacco Use = decline, if not after 6 months no residuals is OK.
EVER, including TIA.
EVER.
EVER.
EVER, also ministroke, cerebral or symptomatic aneurysm, TIA.
In past 5 years, including TIA & mini stroke.
In past 2 years.
EVER.
EVER.
EVER.
EVER.
EVER.
EVER.
EVER.
Diagnosed prior to age 20 or within past 12 months.
EVER.
Moderate/severe colitis.
EVER.
Colitis if 1 year since diagnosis or major attack, over age 20, call underwriting.
N/A
N/A
N/A
In past 10 years.
If more than 10 pounds.
N/A
In past 12 months (unexplained weight loss has to be greater than 10 lbs & not due to diet/exercise).
In past 12 months for greater than 10 pounds.
N/A
If no Social Security #, must have TIN & green card/visa & lived in US min 1 year, also must provide drivers license, current US physician, no plans to move outside US, if they're an alien there are additional requirements. Must do a phone interview. Non-US citizens cannot be payor or owner.
Social Security # required. Coverage is not available for those temporarily residing in the US or not residing legally in the US. Consideration may be given to non-citizens who have established legal, permanent residency in the US & are applying for citizenship. One of the following documents must be submitted with the application, no exceptions will be made: green card or permanent Visa (B1 - B2 Visas not acceptable) or copy of U.S. Citizenship and immigration Services Form I-551.
OK as long as legal resident with a TIN (tax ID #), must have a permanent Visa (not a non-immigrant ,temporary, work or school Visa). Must also meet our definition of a foreign national which includes permanent residency in the US, living full-time in the US and a valid and long-term interest in the US.
Must have a valid Social Security # & work Visa or other immigration Visa.
Must have a valid Social Security # & green card, must have lived in US for a minimum of 1 year.
Social Security # and drivers license is required. Must be a US Citizen or legal permanent resident.
Social Security # and drivers license is required. Must be a US Citizen or legal permanent resident
N/A for catheter, call underwriting for oxygen use.
12 months.
Regularly using.
EVER.
12 months, also catheter.
12 months.
In past 2 years for oxygen only.
N/A for catheter, call underwriting for oxygen use.
12 months.
Regularly using.
If currently using wheelchair due to chronic illness or disease, call underwriting.
12 months.
12 months.
N/A
