Impairment |
Probable Action |
AIDS/HIV |
Decline |
Alcoholism
|
Current abuse, or within two years of treatment: Decline |
Treatment within two to five years: minimum Std Express |
Treatment over five years ago: Std Plus |
|
ALS (Lou Gehrig's Disease) |
Decline |
Alzheimer's Disease |
Decline |
Anemia
|
Rating is dependent upon underlying cause |
Iron deficiency anemia: Std Plus unless anemia is severe which would be Std Express |
|
Aneurysm (Cerebral)
|
Within three years of surgical correction: Std Express |
Over three years since surgical correction: Std Plus |
|
Aneurysm (Thoracic/abdominal)
|
Surgically repaired: Std Plus |
No treatment: Std Plus to Decline |
|
Angina pectoris
|
Unstable angina or not fully investigated with cardiac catheterization: Decline |
Stable angina treated with medication: Std Plus Table F and up |
|
Anxiety
|
Within two years of last symptoms: Std Express |
Over two years since last symptoms: Std Plus |
|
Aortic murmur
|
Mild or Moderate murmur with no symptoms: Std Express |
Severe murmur with cardiac symptoms: Std Express to Decline |
|
Atrial Fibrillation (Chronic)
|
With no underlying heart disease or cardiac symptoms: Std Express |
With underlying heart disease: Decline |
|
Atrial Fibrillation (Intermittant) |
Std Plus to Decline |
Arthritis (osteo)
|
Mild or Moderate with little impact on daily activities: Std Plus |
Severe with persistent pain, limited range of activities, regular use of aids to locomotion: Std Express |
|
Arthritis (rheumatoid)
|
Mild to Moderate with little impact on activities of daily living and no continuous steroid use: Std Express |
Severe with persistent pain, impact on activities of daily living and/or continuous steroid use: Std Plus Table F to Decline |
|
Asthma
|
Mild to Moderate with up to daily symptoms with little impact on lung capacity: Std Plus |
Severe with continuous use of steroids and/or impact on lung capacity: Std Express |
|
Breast Cancer
|
Stages 1 & 2 (early breast cancer) minimum five years post treatment: Std Plus |
Stage 3 & 4 (Locally advanced and metastatic cancer): Decline |
|
Cancer (internal) |
Call Underwriting Department for quote. We will need following information: Tumor Stage, Grade, location, time since treatment and type of treatment |
Cancer (melanoma)
|
Stage 1: Decline for one year following last treatment. One year post treatment up to five years: Std Plus with temporary flat extra. Call Underwriting for quote. Std Plus after five years post treatment |
Stage 2: Decline for at least two years post treatment. Two years post treatment up to five years: Std Plus with temporary flat extra. Call Underwriting for quote. Std Plus after seven years post treatment. |
Stage 3 & 4: Decline. |
|
Cancer (skin-other than melanoma) |
Rating dependent upon type of skin tumor. Call Underwriting with name of tumor, staging information, treatment, and length of time since completion of treatmen |
Cardiomyopathy
|
Currently present, or within three years of full recovery: Decline |
Over three years since full recovery: Std Express to Decline |
|
Cerebral Palsy
|
Under age 8: Decline |
Over age 8, mild case with good motor skills and no intellectual disability: Std Plus |
Over age 8, mild/moderate intellectual disability: Std Express |
Over age 8, requiring wheelchair, major intellectual disability, unable to perform ADL's/IADL's: Decline |
|
Chronic fatigue syndrome
|
After one year since onset of symptoms with full recovery: Std Plus |
Current without full recovery: Std Express |
|
COPD (chronic obstructive pulmonary disease)
|
Less than age 45 and non-smoker, Mild case: Std Express |
Less than age 45 and smoker, Mild case: Std Express to Decline |
Less than age 45, Moderate/Severe case: Decline |
Over age 45 and non-smoker, Mild/Moderate case: Std Express |
Over age 45 and smoker, Mild/Moderate case: Std Express to Decline |
Over age 45, Severe case: Decline |
|
Cirrhosis (liver) |
Decline |
Colitis, spastic (Irritable bowel syndrome) |
Std Plus |
Colitis, ulcerative |
Std Express |
CHF (congestive heart failure)
|
Current: Decline |
One year post full recovery: Std Plus Table F to Decline |
|
Coronary angioplasty/stenting |
Call Underwriting Department for quote. We will need following information: number of vessels involved, location of the lesions within the vessels, severity of these lesions, treatment given and current cardiac status |
Coronary artery disease |
Call Underwriting Department for quote. We will need following information: number of vessels involved, location of the lesions within the vessels, severity of these lesions, treatment given and current cardiac status |
CABG (coronary artery bypass graft) |
Call Underwriting Department for quote. We will need following information: number of vessels involved, location of the lesions within the vessels, severity of these lesions, treatment given and current cardiac status |
Crohn's disease |
Std Plus to Decline |
CVA (stroke) |
Std Express to Decline |
Defibrillator |
Std Express to Decline |
Dementia
|
Acute toxic dementia with full recovery: Std Plus |
All other forms of dementia: Decline |
|
Depression |
Std Plus to Decline |
Diabetes mellitus
|
Type 1 Diabetes: Std Express to Decline |
Type 2 Diabetes: Std Plus to Std Express |
|
Diverticulitis |
Std Plus to Std Express |
Drug abuse
|
Current or within five years of past use: Decline |
Five years since last use: Std Plus to Decline |
|
Emphysema
|
Std Express to Decline |
With ongoing oxygen use and/or smoking: Decline |
|
Endocarditis
|
Current: Decline |
Over one year since diagnosis, no IV drug use, no cardiac or stroke history, normal heart valves: Std Plus |
|
Epilepsy
|
Absence or petit mal seizures, last seizure over two years ago: Std Plus |
Grand Mal seizures, last seizure over two years ago: Std Plus to Std Express |
|
Fibromyalgia
|
Current, Mild (Currently at work, active lifestyle, intermittent use of medications at low dosages): Std Plus |
Current, Moderate (minimal functional impairment, currently at work, active lifestyle, moderate dosages of medication): Std Express |
Current, Severe (Disabled, limited activities, associated with moderate to severe depression, multiple medications at high dosages or frequent changes in medication): Decline |
|
Gastroenteritis |
Fully recovered: Std Plus |
Gout
|
Mild/Moderate (infrequent, acute attacks, no joint deformities): Std Plus |
Severe (chronic, frequent attacks with joint deformities): Std Express |
|
Headache (migraine)
|
Mild (infrequent attacks without underlying cause identified): Std Plus |
Severe, frequent attacks or increasing frequency: Decline |
|
Heart Attack |
Std Express to Decline |
Heart Valve replacement/repair |
Std Express to Decline |
Hepatitis
|
Hep B, resolved: Std Plus |
Hep C, resolved: Std Express to Decline |
|
High blood pressure (hypertension) |
Well controlled (with or without medication): Std Plus |
Hodgkin's disease
|
Stage 1: One year post treatment to five years, Std Plus with a temporary extra. Five years post treatment, Std Plus |
Stage 2: Three years post treatment to eight years, Std Plus with a temporary extra. Eight years post treatment, Std Plus |
Stage 3 or 4: Decline |
|
Kidney failure
|
Acute episode, fully recovered: Std Plus |
Chronic disease: Std Express to Decline |
Currently treated with dialysis: Decline |
|
Lupus (discoid) |
Std Plus |
Lupus (systemic) |
Std Express to Decline |
Mitral valve murmur
|
Std Express to Decline |
Mitral valve prolapse: Std Plus |
|
MS (multiple sclerosis)
|
Not progressive or relapsing-remitting: Std Express to Decline |
Progressive: Decline |
|
Myasthenia gravis
|
Ocular form: Within five years of onset: Std Express. Over five years since onset: Std Plus |
Generalized form: Std Express |
|
Myocarditis
|
Acute viral, single attack: Two years since resolution, Std Plus |
More than single attack: Decline |
|
Muscular dystrophy |
Std Express to Decline |
Non-Hodgkin's lymphoma
|
Stage 1: Within three years of last treatment, Std Plus with temporary flat extra. Over three years since last treatment, Std Plus |
Stage 2: Within five years of last treatment, Std Plus with temporary flat extra. Over five years since last treatment, Std Plus |
Stage 3: Within seven years of last treatment, Std Plus with temporary flat extra. Over seven years since last treatment, Std Plus |
Stage 4: Decline |
|
Pacemaker |
Std Express to Decline |
Pancreatitis
|
Acute, over one year since recovery: Std Plus |
Chronic disease: Std Express to Decline |
|
Paraplegia |
Std Express to Decline |
Parkinson's disease |
Std Express to Decline |
Pericarditis |
Acute, fully recovered: Std Plus |
Peripheral vascular disease
|
Mild or moderate: Std Express |
Severe: Decline |
|
Phlebitis
|
Single episode with full recovery: Std Plus |
Multiple episodes: Std Express to Decline |
|
Prostate cancer |
Call Underwriting Department for quote. We will need following information: Tumor Stage, Grade, time since treatment and type of treatment |
Prostatitis |
Acute, Fully recovered: Std Plus |
Psychosis (schizophrenia) |
Std Express to Decline |
Quadriplegia |
Std Express to Decline |
Raynaud's disease
|
Fully recovered: Std Plus |
Otherwise: Std Express to Decline |
|
Rheumatic fever
|
Fully recovered with no heart valve damage: Std Plus |
With heart valve damage: Std Express to Decline |
|
Sarcoidosis
|
Rating depends on organs involved: if eyes, skin, joints, Std Plus |
Liver, heart, kidneys, nervous system involvement: Std Express to Decline |
|
Sleep apnea
|
Mild with consistent use of CPAP: Std Plus |
More severe and/or inconsistent use of CPAP: Std Express |
|
Stroke (CVA) |
Std Express to Decline |
Suicide attempt
|
Single attempt, over one year since attempt: Std Plus with temporary flat extra |
Multiple attempts, over two years since last attempt: Std Plus Table F with temporary flat extra to Decline |
|
Thyroid disorder (non-cancerous) |
Std Plus |
TIA (transient ischemic attack)
|
Single attack, within four years: Std Express |
Single attack, over four years: Std Plus |
Multiple attacks, within five years of last attack: Std Express to Decline |
Multiple attacks, over five years since last attack: Std Express |
|
Transplants (heart, liver, lung) |
Decline |
Transplants (kidney) |
Contact Underwriting Department |
Ulcer |
Std Plus to Std Express |
Varicose veins |
Std Plus |