Popular Articles

  1. Multiple Sclerosis

      Multiple Sclerosis  is a chronic disease that affects the central nervous system, especially the brain, spinal chord, and optic nerves. Aetna OK for Standard Aflac OK for Standard Americo Decline Living Promise Dec...
  2. Medications (Aflac)

    Aflac Final Expense Drug List 2023.pdf See attached PDF for knockout medications
  3. TruStage Underwriting

    TruStage Medical Impairment Guide - *DISCLAIMER: This is only a guide and is not all-inclusive.  With TruStage Underwriting, please understand that this carrier does not Underwrite in the same traditional sense as our other carriers. TruSta...
  4. 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 ...
  5. Wheelchair, Electric Scooter, Walker Use

      Aetna Decline Aflac Decline Americo Decline if use of a wheelchair or mobility scooter has been required in the last 12 months Living Promise Decline if currently using Royal Neighbors Decline unless temporar...
  6. Parkinson's Disease

      Parkinson's Disease affects the nerve cells in the brain that produce dopamine.  Symptoms include muscle rigidity, tremors, and changes in speech and gait.  After diagnosis, treatments can help relieve symptoms, but there is no cure. Ae...
  7. Pain Medications

    Aetna Not specifically mentioned Aflac See Medications List Americo May be eligible for Select 1 or Select 2 Living Promise No specific pain medications will knock PI out of LP, but Omaha is concerned with potent...
  8. Lupus, Systemic

      Systemic Lupus  is an autoimmune disease.  In this disease, the immune system mistakenly attacks healthy tissue.  It can affect skin, joints, kidneys, brain, and other organs. Aetna OK for Standard Aflac OK for Standard Amer...
  9. Critical Advantage Underwriting

  10. HIV - AIDS - ARC

    Aetna Decline Aflac Decline Americo Decline (diagnosis, treatment or positive test) Living Promise Decline Royal Neighbors Decline Corebridge Decline TransAmerica Decline Prudential Decline ...