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Last Updated: 12/10/2025
Aetna Decline Aflac Decline Americo Decline if currently or in the last 12 months Living Promise Decline if currently bedridden TruStage Not specifically asked but could indicate being hospitalized or being c...
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Last Updated: 12/10/2025
Aetna Decline if currently residing in a long term care facility Aflac Decline if currently residing in a long term care facility Americo Decline if currently residing in a long term care facility Living Promise De...
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Last Updated: 12/10/2025
in Gastrointestinal/Organs
Aetna Modified only if diagnosed, treated or advised treatment within the past 2 years Aflac Modified only if diagnosed, treated or advised treatment within the past 2 years Americo Decline Living Promise Decline if...
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Last Updated: 12/05/2025
in Cancer
Aetna (Excluding basal cell/squamous cell) Within last 2 years - Decline More than one occurence - Decline Aflac (Excluding basal cell/squamous cell) Within last 2 years - Decline More than one occurence - Decline Americo Decl...
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Underwriting Questions Have any of the Proposed Insureds been diagnosed or treated by a licensed member of the medical profession for: a heart or circulatory system disease, birth defect, or mental or developmental disorder including Autism a...
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Last Updated: 12/10/2025
Myelodysplastic Syndromes (MDS) are a group of cancers in which immature blood cells in the bone marrow do not mature and therefore do not become healthy blood cells. Early on, there are typically no symptoms. Later symptoms may include feelin...
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Last Updated: 12/10/2025
in Pulmonary/Lung
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 ...
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Last Updated: 12/10/2025
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...
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An arrhythmia is a condition in which the heart beats with an irregular or abnormal rhythm. It means that the heart beats too quickly (Tachycardia) , too slowly (Bradycardia) , or with an irregular pattern (Flutter, fibrillation) . An early h...
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Last Updated: 12/10/2025
in Mental Health
Post Traumatic Stress Disorder (PTST) is a psychiatric disorder that can occur in people who have experienced or witnessed a traumatic event such as a natural disaster, a serious accident, a terrorist act, war/combat, rape or other violent perso...