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Last Updated: 07/21/2026
Aetna Decline Aflac Decline Americo Decline (diagnosis, treatment or positive test) Living Promise Decline Royal Neighbors Decline Corebridge Decline TransAmerica Decline American Amicable/Occi...
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Last Updated: 07/21/2026
Aetna Decline if received or advised to receive an amputation due to any disease at any time Aflac Decline if received or advised to receive an amputation due to any disease at any time Americo Decline if due to any diseas...
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Last Updated: 02/13/2026
United of Omaha (3.24.20) The following pertains to all new and pending applications for life and health products (Accidental Death, Long Term Care, Disability Income, Critical Illness, Cancer, and Heart Attack and Stroke). If the propose...
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Last Updated: 07/21/2026
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 assista...
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Last Updated: 07/21/2026
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...
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Last Updated: 07/21/2026
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. ...
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Last Updated: 07/21/2026
Aetna Not specifically mentioned Aflac Not specifically mentioned Americo May be eligible for Select 1 or Select 2 Living Promise Decline if awaiting trail for a felony or convicted of a felony in the last 2 years. ...
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Last Updated: 07/21/2026
Aetna Diagnosis or treatment within 1 year = Modified Diagnosis or treatment within 2 years = OK for Std Aflac Diagnosis or treatment within 1 year = Modified Diagnosis or treatment within 2 years = OK for Std Americo Decli...
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Last Updated: 07/21/2026
Aetna Decline if within the past year Aflac Decline if within the past year Americo Decline if recommended to have surgery within the last 12 months that has not been completed Living Promise Decline Royal Neighb...
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Last Updated: 07/21/2026
Aetna Decline if currently hospitalized Aflac Decline if currently hospitalized Americo Decline Living Promise Decline if current Or if advised to be hospitalized in last 12 months and has not been completed Royal ...