New Articles

  1. Tobacco Usage

    Tobacco Usage  Carries will have both Tobacco and Non-Tobacco rates for underwritten policies.  These are the criteria for tobacco usage with our carriers Aetna Use of any form of tobacco or nicotine products within the last 12 months. ...
  2. Dialysis

    Aetna Decline Aflac Decline Americo Decline Living Promise Decline TruStage If currently receiving dialysis for any reason, YES should be marked for application question #7 Royal Neighbors Decline Cor...
  3. Cerebral Palsy

    Cerebral palsy (CP) refers to a group of neurological disorders that appear in infancy or early childhood and permanently affect body movement and muscle coordination.  Aetna Decline Aflac Decline Americo Decline Livin...
  4. Cystic Fibrosis

    Cystic fibrosis (CF) is an inherited disease of the mucus and sweat glands. It affects mostly your lungs, pancreas, liver, intestines, sinuses, and sex organs. Aetna Decline Aflac Decline Americo Decline Living Promise...
  5. Cancer (18-89, 18-64 in CA and MA)

    Uninsurable Medical Conditions* L ump Sum Cancer The medical conditions listed below are not insurable with lump sum cancer plans: • Applicants who have been diagnosed with or treated for  Human Immunodeficiency Virus (HIV)...
  6. Heart Attack/Stroke (18-89, 18-64 in CA and MA)

    Uninsurable Medical Conditions* Lump Sum Heart Attack & Stroke The medical conditions listed below are not insurable with Heart Attack & Stroke plans: • Applicants who have been diagnosed with or treated for  Human Immunodefic...
  7. Critical Illness (18-64)

    Uninsurable Medical Conditions* Lump Sum Critical Illness The medical conditions listed below are not insurable with Critical Illness plan: • Applicants who have been diagnosed with or treated for  Human Immunodeficiency Virus (...
  8. Cane Usage

    Aetna Not specifically mentioned Aflac Not specifically mentioned Americo May be eligible for Select 1 or Select 2 Living Promise Ok TruStage Not asked Royal Neighbors Not specifically mentioned Co...
  9. Epilepsy

    Epilepsy is a neurological disorder of the brain characterized by unpredictable seizures, which can range from mild to severe, and vary in frequency.  Aetna OK for Standard Aflac OK for Standard Americo May be eligible for ...
  10. Fibromyalgia

    Fibromyalgia is a chronic condition that involves pain throughout the body, and typically consists of tenderness in certain areas, and fatigue.  It can also be associated with anxiety and depression.  There are no definitive tests for fibromyalgia...