Asthma is a respiratory condition marked by spasms in the bronchi of the lungs, causing difficulty in breathing. It usually results from a allergic reaction or other form of hypersensitivity.
| Aetna | OK at Std If using oxygen = Decline |
| Aflac | OK at Std If using oxygen = Decline |
| Americo | May be eligible for Select 1 or Select 2 Select 2 at best if also a smoker Decline if using oxygen |
| Living Promise | Decline if EVER hospitalized for asthma or currently requires the use of oxygen |
| TruStage | Does not require being marked YES for Chronic Lung condition if Asthma is the only lung condition. However, if the clients answers YES and has only admitted Asthma, the answer should not be challenged |
| Royal Neighbors | Allowed |
| Corebridge | Not specifically mentioned |
| TransAmerica | Allowed |
| Prudential | Decline if requiring the use of supplemental Oxygen |
| GTL | Not specifically mentioned |
Chronic Bronchitis is one type of COPD (chronic obstructive pulmonary disease). The inflamed bronchial tubes produce a lot of mucus. This leads to coughing and difficulty breathing. Ongoing symptoms are controlled with treatment including medications. Symptoms include constant cough, wheezing, shortness of breath, etc. and may have ups and downs in severity, but the chronic lung condition never goes away. "Asthmatic Bronchitis" is also chronic bronchitis.
| Aetna | OK at Std If using oxygen = Decline |
| Aflac | OK at Std If using oxygen = Decline |
| Americo | May be eligible for Select 1 or Select 2 Select 2 at best if also a smoker |
| Living Promise | Decline if PI has chronic Bronchitis. |
| Royal Neighbors | Allowed unless also a tobacco user/smoker |
| Corebridge | Decline for Chronic Bronchitis |
| TransAmerica | Allowed |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic lung condition excluding asthma |
| GTL | Not specifically mentioned |
| Aetna | Not specifically mentioned |
| Aflac | OK at Std If using oxygen = Decline |
| Americo | May be eligible for Select 1 or Select 2 Select 2 at best if also a smoker |
| Living Promise | Decline if PI had a physician consultation in the last 12 months |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Decline |
| TransAmerica | Allowed |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic lung condition excluding asthma |
| GTL | Not specifically mentioned |
Chronic Obstructive Pulmonary Disease (COPD) is a lung disease characterized by chronic obstruction of lung airflow that interferes with normal breathing and is not fully reversible. The more familiar terms "chronic bronchitis" and "emphysema" are no longer used, but are now included withing the COPD diagnosis.
| Aetna | OK for Std. If using oxygen = Decline |
| Aflac | OK at Std If using oxygen = Decline |
| Americo | May be eligible for Select 1 or Select 2 Select 2 at best if also a smoker |
| Living Promise | Decline |
| Royal Neighbors | Allowed unless also a tobacco user/smoker |
| Corebridge | Decline |
| TransAmerica | Allowed |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic lung condition excluding asthma |
| GTL | Not specifically mentioned |
Emphysema is a type of COPD involving damage to the air sacs in the lungs. As a result, your body does not get the oxygen it needs making it hard to catch your breath. You may also have a chronic cough and have trouble breathing during exercise.
| Aetna | OK at Std If using oxygen = Decline |
| Aflac | OK at Std If using oxygen = Decline |
| Americo | May be eligible for Select 1 or Select 2 Select 2 at best if also a smoker |
| Living Promise | Decline |
| Royal Neighbors | Allowed unless also a tobacco user/smoker |
| Corebridge | Decline |
| TransAmerica | Allowed |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic lung condition excluding asthma |
| GTL | Not specifically mentioned |
| Aetna | See specific lung disease If using oxygen = Decline |
| Aflac | See specific lung disease If using oxygen = Decine |
| Americo | See specific lung disease. |
| Living Promise | Decline, if chronic |
| Royal Neighbors | See specific lung disease |
| Corebridge | Decline |
| TransAmerica | Allowed |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic lung condition excluding asthma |
| GTL | Not specifically mentioned |
| Aetna | Decline if used or prescribed in the last year other than for sleep apnea |
| Aflac | Decline if used or prescribed in the last year other than for sleep apnea |
| Americo | Decline if supplemental oxygen used to assist in breathing in the last 12 months |
| Living Promise | Decline (except for Sleep Apnea) |
| TruStage | Any Oxygen use for any reason should be notated as YES to Oxygen on the application (including for Sleep Apnea or a nebulizer) |
| Royal Neighbors | Decline for any use |
| Corebridge | Decline (Except for Sleep Apnea) |
| TransAmerica | Decline if used or prescribed supplemental oxygen in the last year |
| Prudential | Decline if currently using supplemental oxygen to assist in breathing |
| GTL | Decline for DAILY use except for CPAP, post-exercise or seasonal allergies |
Pulmonary Fibrosis is a lung disease that occurs when lung tissue becomes damaged and scarred. This thickened, stiff tissue makes it more difficult for your lungs to work properly. As it worsens, you become progressively more short of breath.
| Aetna | Decline |
| Aflac | Decline |
| Americo | Decline |
| Living Promise | Decline |
| Royal Neighbors | Decline |
| Corebridge | Decline |
| TransAmerica | Decline |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic lung condition excluding asthma |
| GTL | Not specifically mentioned |
