Activities of Daily Living (ADLs) -can include, but aren't limited to: eating, bathing, toileting, dressing, and mobility.
| Aetna | Decline if PI currently needs assistance with ADLs |
| Aflac | Decline if PI currently needs assistance with ADLs |
| Americo | Decline if PI has required assistance with ADLs in the last 12 months because of a disease or being bed-bound |
| Living Promise | Decline if PI CURRENTLY needs assistance with ADLs. |
| TruStage | If PI requires human or mechanical assistance with ADLs, YES to application question #2 This does not mean that use of a scooter means that they cannot perform their activities independently (e.g. can shop, cook and clean on their own even if they sometimes use a scooter) |
| Royal Neighbors | Decline if PI currently needs assistance with ADLs |
| Corebridge | Decline if PI currently needs assistance with ADLs |
| TransAmerica | Decline if PI currently needs assistance with ADLs |
| Prudential | Decline if PI currently needs assistance with ADLs from anyone other than a spouse |
| GTL | Not specifically mentioned |
