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Last Updated: 10/10/2024
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 propos...
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Last Updated: 12/10/2025
Aetna Decline Aflac Decline Americo Decline Living Promise Decline Royal Neighbors Decline Corebridge Decline TransAmerica Decline if ever received or been advised to receive Prudential Decl...
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Last Updated: 12/10/2025
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: 12/10/2025
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: 12/10/2025
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: 12/10/2025
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: 12/09/2025
in Diabetes
Diabetes is a disease that occurs when your blood glucose, also called blood sugar, is too high. Blood glucose is your main source of energy and comes from the food you eat. Insulin, a hormone made by the pancreas helps glucose from food get ...
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Last Updated: 12/10/2025
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: 12/10/2025
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: 12/10/2025
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...