Question 1

10 and 20 PAYS

Accepted Answer

TRINITY/FAMILY BENEFIT LIFE (the FIRST WHOLE LIFE app ONLY) (the GOLDEN EAGLE app DOES have a height/weight chart)

SNL (the Security Care app-10 pay ONLY)

TRANS (10 pay ONLY)

RNA (20 pay)

Question 2

A-FIB (Atrial Fibrillation) (Irregular Heart Rhythm)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***AMERICAN AMICABLE- PREFERREDPROSPERITY- PREFERRED (Not asked on app)AMERICO EAGLE- PREFERREDAETNA- PREFERRED (Not asked on app)TRINITY/FAMILY BENEFIT- PREFERRED (Not asked on application)FORESTERS – PREFERRED (Not asked on application)RNA – PREFERRED (Not asked on application)KSKJ- (PREFERRED/SELECT= if over 2 years) (STANDARD= if between 1-2 years ago)Assurant/American Memorial Life (Preferred (not asked on app)LIBERTY BANKERS LIFE- STANDARDUHL- PREMIER (if over 2 yrs)TRANSAMERICA- STANDARDSNL- (PREFERRED= MAYBE but meds MUST check out) (GRADED= for sure can qualify)TRANS- (Graded)

Question 3

A-FIB/Arrhythmia/Irregular Heart Rhythm

Accepted Answer

SNL - Preferred but check meds

Prosperity - Preferred (not asked on app)

RNA - Preferred (not asked on app)

FBL/Trinity - Preferred (not asked on app)

Assurant - Preferred (not asked on app

Sentinel - Preferred LBL - Standard

Question 4

ACCIDENTAL RIDERS

Accepted Answer

SNL (accidental portion must be same as face value)

MUTUAL OF OMAHA (accidental portion must be same as face value)

FORESTERS (accidental portion must be same as face value)

SLAC (STANDARD LIFE & CASUALTY)

Question 5

ADL's (Assistance with Daily Living)

Accepted Answer

FBL/Trinity - Preferred, doesn't ask other than home health or bed confinement

RNA - Preferred, doesn't ask other than current wheelchair or bed confinement

Question 6

ADL’S (ASSISTANCE WITH DAILY LIVING)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

TRINITY/FAMILY BENEFIT- (Preferred=Does NOT ask about ADL’s other than if they have home health or bed confinement)

AETNA-(ONLY asks about confinement to a bed) (If confined to a wheelchair= Graded)

TRANS-(Preferred=ONLY asks about bed confinement BUT ANY use of wheelchair in past 2 yrs. = graded)

AMERICO- (Preferred= NO ADL questions) (knock-outs for others: home health care, assisted living etc.)

RNA-(Preferred=Does not ask about ADL’s ONLY about current wheelchair use or bed confinement)

SNL- DECLINE

PROSPERITY- DECLINE

UHL- GRADED (2 yr. ROP)

AMERICAN HOME LIFE- GRADED

LBL- DECLINE

OXFORD- DECLINE

Question 7

AETNA

Accepted Answer

● Ages:

○ Level: 45-89

○ Graded: 45-80

○ Modified: 45-75

● Tobacco within the last 12 months

● Excluded States:

○ Alaska, California, Connecticut, DC, Hawaii, Maine, Maryland, Massachusetts, New York,

Vermont, Washington

Plans:

● Immediate: Level

○ Ages: 45-89 yrs old

■ $3000 - $35000

● Graded: Graded

○ Ages: 45-80 yrs old

■ $3000 - $35000

● ROP: Modified

○ Ages: 45-75 yrs old

■ $3000 - $35000

○ Excluded from: Arkansas, Delaware

Plan Info:

● Phone Number: 800-264-4000

● SUBMITTING APPLICATIONS: Paper App, E-App

● PAYMENT: EFT, Checking or Savings Account

● REPLACEMENT POLICY: Replacements accepted in all written states

● Interview: Telephone Interview Required 877-538-2759 [Monday-Friday, 7:00am-5:00pm CST]

● Nicotine: Tobacco within the last 12 months

● RIDERS: None

● Graded: 1st year-40%, 2nd year 75%

● Modified: 2 year waiting period (Return of premium plus 10%)

Question 8

AGES

Accepted Answer

SLAC= 0-85 (One app is 0-49 & other app is 50-85) (info on this sheet is for 50-85)

UHL= Provider- Super Preferred Non-Med ages 18-80 & diff app 0-17)

UHL= EXPRESS ISSUE PREMIER= (Preferred rate 20-80)

UHL= EXPRESS ISSUE DELUXE= (STANDARD rate 20-80)

UHL= EXPRESS ISSUE= (GRADED)

TRANS= (1 app if for ages 45-85 & other app is for 0-44) (this sheet is for 45-85)

TRINITY/FAMILY BENEFIT=Golden Eagle app is 50-85 & 1st Whole Life app 0-80)

RNA= (50-85 & another app called ESSENTIAL Whole Life for 0-85)

AMERICO= (40-85 for EAGLE product)

AETNA= 60-89

SNL= (40-91 for SIMPLE SECURITY plan & SECURITY CARE plan app for ages 0-80)

Question 9

AIDS/HIV

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

GREAT WESTERNPROSPERITY- DECLINEAIGGERBERTRINITY = DECLINESNL= DECLINEAETNA= DECLINELBL= DECLINETRANS= DECLINE

Question 10

AIDS/HIV

Accepted Answer

Prosperity Prime Term is the BEST OPTION - MUCH BETTER than any GI

Gerber

Question 11

AIG GUARANTEED ISSUE

Accepted Answer

● Ages 50-85

● Unisex Rates [Male pricing] in Montana Only

● Excluded States-None

Plans:

● ROP: Simplified Issue

○ $5000-$25,000

Plan Info:

● Phone Number: 800-247-8837

● SUBMITTING APPLICATIONS: Paper App, E-App

● PAYMENT: EFT, Bank Draft from Checking or Savings Accounts, Direct Express Card, Credit

Cards-[need email address], “Bill me Direct” [Monthly mode not available]

● REPLACEMENT POLICY: Replacements accepted in all written states

Question 12

ALCOHOL ABUSE

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

GREAT WESTERN (DAY 1 LEVEL COVERAGE)PROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in last 2 years)AMERICO EAGLE- PREFERRED if over 2 yrsAMERICAN AMICABLE- PREFERRED if over 2 yrs (Modified if less than 2 yrs)FORESTERS- PREFERRED (if over 2 yrs)Assurant/American Memorial Life (Preferred if over 3 yrs, modified within 3 yrs)BALTIMORE LIFE-SG2 (pays for commission to Agent & client gets graded 25/50/100)TRANS – (if within 1-2 YEARS=STANDARD) (2+ YEARS=PREF) (WITHIN 1 YEAR ROP)SNL- Asked in Section 2 (PREFERRED AFTER 2 YEARS) (Graded if within 2 years)AETNA (PREFERRED after 1 yr.) (WITHIN 1 YEAR=GRADED 40/70/100)KSKJ- (PREFERRED/SELECT= if over 2 YEARS) (STANDARD= if 1-2 years ago)RNA – (PREFERRED after 18 months.) WITHIN 18 months=DECLINEUHL – (GRADED-WITHIN 2 YEARS ROP)MOO – (PREFERRED after 2 yrs.) (WITHIN 2 YEARS ROP)UNITED HERITAGE – WITHIN 2 YEARS MODIFIED (40-85)BALT LIFE- SG2AHL- PREFERRED AFTER 2 YEARSTRINITY/ FAMILY BENEFIT- (PREFERRED AFTER 2 YEARS) (DECLINE if less than 2 yrs.)SLAC- (PREFERRED if OVER 5 yrs.) (DECLINE= if in last 5 yrs.)GERBEROXFORD- (PREFERRED= if OVER 2 yrs.) (DECLINE if less than 2 yrs.)

Question 13

Alcohol Abuse

Accepted Answer

Prosperity - Preferred if over 2 yrs, modified within 2 yrs

FBL/Trinity - Preferred if over 2 yrs, decline within 2 yrs

Assurant - Preferred if over 3 yrs, modified within 3 yrs

RNA - Preferred if over 2 yrs, decline within 2 yrs only if treatment is prescribed by a Doctor

Sentinel - Preferred if over 2 yrs, modified within 2 yrs

SNL - Preferred if over 2 years, modified in within 2 years

Question 14

ALS (Lou Gehrig's Disease)

Accepted Answer

Prosperity Prime Term to 100 - Best Option

RNA - Preferred if over 2 yrs, graded if treated within 2 yrs

Gerber

Question 15

ALS (LOU GEHRIG’S DISEASE)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

RNA= (PREFERRED if OVER 2 YEARS) (GRADED if had or treated in last 2 yrs. 30/70/100)PROSPERITY- DECLINEGERBERUHL (EXPRESS ISSUE WL 2 yr. ROP)SECURITY NATIONAL LIFE- DECLINEOXFORD= DECLINE

Question 16

Alzheimer's/Dementia

Accepted Answer

Prosperity Prime Term to 100 - If diagnosed over 2 years out

Gerber

Question 17

ALZHEIMER’S/DEMENTIA

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

GREAT WESTERN (PREFERRED= if can answer ALL 3 questions “NO” & if NO increases in dosage of meds& no added meds in last 2 yrs.) (GI= if not)UNITED HOME LIFE (GRADED: GOOD PRICE & pays a GOOD COMMISSION)PROSPERITY- DECLINEGERBERSNL- DECLINEAIGUHL (GI) Express IssueAETNA = DECLINESNL = DECLINETRANS = DECLINEOXFORD = DECLINETRINITY/FAMILY BENEFIT = DECLINERNA = DECLINESLAC = DECLINELBL- DECLINE

Question 18

AMERICAN AMICABLE-GOLDEN SOLUTIONS

Accepted Answer

● Ages 50-85

● Tobacco within the last 12 months [occasional cigar or pipe use permitted]

● Excluded States:

○ Iowa, Maine, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, Rhode Island, Vermont

Plans:

● Immediate: IMMEDIATE ○ Ages: 50-75 yrs old

■ $2,500- $35,000 ○ Ages: 76-85 yrs old

■ $2,500- $20,000

○ Washington Minimum $5,000

● Graded: GRADED

○ $2,500-$20,000

○ Washington Minimum $5,000

● ROP: ROP

○ $2,500-$20,000

○ Washington Minimum $5,000

Plan Info:

● ● ● ● ●

● ● ●

● Phone Number: 800-736-7311

SUBMITTING APPLICATIONS: Paper App [via App Drop or Fax], E-App PAYMENT: Checking or Savings Accounts, Money Order [upon policy delivery] REPLACEMENT POLICY: Replacements are not accepted in: KS and KY

Telephone Interview Required with Apptical 877-351-1773 [Monday-Friday, 8:30am-12:00am EST; Saturday-Sunday, 10am-8pm EST]

Graded: 1st year-30%, 2nd year-70%

ROP: 3 year wait under 65 and 2 year wait over 65-100 % of premium plus 10% interest

RIDERS: Grandchild/Great Grandchild Coverage, Child Rider [Not available with ROP], Accidental Death [Not available with ROP], Nursing Home Waiver of Premium Rider [Immediate only] Nicotine: Tobacco within the last 12 months [occasional cigar or pipe use permitted]

Question 19

AMERICO EAGLE PREMIER

Accepted Answer

● Ages [last birthday]:

○ Premier: 50-85

○ Smoker's Advantage: 50-80

○ Guaranteed Issue: 50-80

● Tobacco within the last 12 consecutive months

● Excluded States:

○ Eagle Premier: Mississippi, New York, Vermont

○ Eagle Guaranteed: Mississippi, New York, Vermont, and Washington

● Minimum Face Amounts-$2000 for ALL Plans [$5000 in Washington]

● Maximum Face Amount: $30,000

● Rates for Americo are Unisex (male)

Plans:

● Immediate: Premier

○ Non-Nicotine Only

○ 50-85 yrs old

■ $2000- $30,000

■ Washington: $5000-$30,000

● Immediate: Smoker's Advantage

○ Nicotine Users Only

○ 50-80 yrs old:

■ $2000-$30,000

■ Washington: $5000-$30,000

● Graded: Guaranteed Issue

○ 50-80 yrs old

■ $2000-$10,000

■ Washington: $5000-$10,000

Plan Info:

● PHONE NUMBER: 800-231-0801

● SUBMITTING APPLICATIONS: E-App, Tele Application [855-248-8327]

● Premier: eApp Premier available in all states except: MS, NY, VT

● Guaranteed-Issue: eApp Guarantee available in all states except: MS, NY, VT, and WA

● Premier: TeleApp Premier not available in following States: CA, CT, NY, PA, and VT

● Guaranteed-Issue: TeleApp Guaranteed not available in following States: CA, CT, NY, PA, VT, and

WA

● TeleApp available in all states except: CA, CT, NY, PA, and VT [Replacements not available on

Tele-Applications]

● PAYMENT: Checking or Savings Account, Meta Bank (Has to be linked to Account # and Routing #)

● REPLACEMENT POLICY: Replacements are allowed in all States using the eApplication only

● Tele App: Monday-Thursday, 8am-7pm CST; Friday, 8am-5pm

● Smoker's Advantage: Non-nicotine pricing, but requires ProposedInsured to quit nicotine within 3

years to maintain rates.

● Graded: 1st year-5%, 2nd year-10%, 3rd year 75%, 4th year-100%

● RIDERS: Child & Grandchild Term Rider [Premier only], Accidental Death [no additional charge]

● Nicotine: Tobacco within the last 12 consecutive months (Cigarettes are the only Nicotine they consider)

Question 20

Amputation

Accepted Answer

Prosperity - Preferred if accident only, Modified if due to disease

FBL/Trinity - Preferred if over 2 yrs, decline within 2 yrs, Preferred if due to accident

Assurant - Preferred over 2 yrs, decline within 2 yrs, Preferred if due to accident

RNA - Preferred if due to accident, decline if due to diabetes

SNL - Modified

Question 21

AMPUTATION DUE TO DIABETES

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

UHL- (PREF/PREMIER=Does NOT ask about amputation at all) (STANDARD/DELUXE plan diabetic friendlyTRINITY/FAMILY BENEFIT- PREFERRED (if not in the last 2 years) (DECLINE in last 2 yrs.)AMERICO EAGLE- PREFERRED (if due to diabetes it must be over 24 months ago)Assurant/American Memorial Life -Preferred if over 2 yrs, decline within 2 yrsPROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in the last 2 years)Oxford -Preferred over 2 yrs, (decline within 2 yrs)FORESTERS-Preferred if NOT related to diabetes (Example if it was accidental)BALTIMORE LIFE -Preferred (SG1) if due to diabetes (SG2)TRINITY/FAMILY BENEFIT- PREFERRED (if not in the last 2 years) (DECLINE in last 2 yrs.)LBL (if NOT related to diabetes maybe= PREFERRED) (MODIFIED if due to Diabetes)TRANS- PREFERRED= if due to accident) (DECLINE=if EVER had amputation due to disease)RNA- PREFERRED (if accidental) (DECLINE=if EVER had amputation due to disease)AETNA-(GRADED 40/75/100)SECURITY NATIONAL LIFE-(GRADED)GERBERSLAC-(DECLINE in last 2 yrs.)

Question 22

ANEURYSM

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AETNA-STANDARD if OVER 1 year (on the NEW ACCENDO product

OXFORD (Application does not mention aneurysm)MUTUAL OF OMAHA- PreferredPROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in the last 2 years)AMERICO EAGLE- PREFERRED if no complicationsTRANS – (PREF- if resolved OVER 2 yrs. Ago) (STANDARD=if no other “yes” answers on part C4)SLAC- LEVEL (app never mentions aneurysm)Assurant/American Memorial Life -Preferred if over 2 yrsUHL- (PREFERRED/PREMIER if OVER 2 yrs.) (GRADED if treated or diagnosed for within last 2 yrs.)TRINITY/FAMILY BENEFIT (PREFERRED- If surgery was OVER 2 years ago) (1-2 years ago is GRADED) (Lessthan 1=DECLINE)LBL (Preferred if OVER 2 years) (otherwise DECLINE)FORESTERS- (LEVEL- if over 2 years) or (Modified if within 2 years)AETNA- LEVEL (if surgically repaired & not diagnosed/treated for it in last 2 years) (otherwise=DECLINE)RNA (AFTER 18 MONTHS LEVEL) (DECLINE=if in last 18 months)AMERICAN AMICABLE-Preferred if Over 3 yrs (Graded if 2-3 yrs ago) (Modified if less than 2 yrs ago)SNL-(DECLINE=if advised to have surgery or if they currently have)UNITED HERITAGE – WITHIN 1-2 YEARS SINCE RESOLVED GRADED OVER 2 YEARS LEVELBALT LIFE- SG2GERBER

Question 23

Aneurysm

Accepted Answer

SNL - Decline if they’ve ever had a brain Aneurysm

Prosperity - Preferred if over 2 yrs, modified within 2 yrs

RNA - Preferred if over 2 yrs, Graded 18-24 mos, Decline if under 18 mos

FBL/Trinity - Preferred if over 2 yrs, Graded between year 1 and 2, Decline within 1 year

Assurant/American Memorial Life - Preferred if over 2 yrs

Sentinel - Preferred if over 5 yrs, Graded 30/70/100 within 5 yrs

LBL - Preferred if over 2 yrs, decline if under 2 yrs

Question 24

Angina

Accepted Answer

SNL - Preferred if over 2 years, modified if under 2 years

Prosperity - Preferred if over 2 yrs, modified within 2 yrs

RNA - Preferred if over 2 yrs, Graded between 18 and 24 mos, Decline within 18 mos

FBL/Trinity - Preferred if over 2 yrs, Graded between year 1 and 2, Decline under 1 yr

Assurant - Preferred if over 2 yrs

Sentinel - Preferred if over 5 yrs, Graded 30/70/100 within 5 yrs

LBL - Preferred if over 2 yrs, modified under 2 yrs

Question 25

ANGINA (CHEST PAIN)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AETNA-STANDARD if OVER 1 year (on the NEW ACCENDO product)

AETNA (OLD PRODUCT) - PREFERRED (BUT check AETNA RX list on drop-box first to make sure meds check-out)FORESTERS- (STANDARD)- if diagnosed or taken RX over one yearPROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in the last 2 years)UHL (angina NOT mentioned on app…if no treatment in 24 months &even if they carry NITRO buthaven’t taken in 24 months= PREFERRED)Assurant/American Memorial Life -Preferred if over 2 yrsTRANS –if over 2+yrs= PREFERRED (1-2 YEARS= STANDARD) (GRADED if WITHIN 1 YEAR)RNA (PREF if OVER 24 months ago) (GRADED if between 19-24 months) (DECLINE if in last 24 months)TRINITY/FAMILY BENEFIT (PREF if OVER 24 months) (DECLINE if within past 24 months)AMERICO EAGLE- PREFERRED if over 1 year agoAMERICAN AMICABLE-Preferred if Over 3 yrs (Graded if 2-3 yrs ago) (Modified if less than 2 yrs ago)BALTIMORE LIFE-if over 2 yrs (SG1) if under 2 yrs (SG2)LBL (if OVER 2 yrs= PREFERRED) (If within 2 years= GRADED)FORESTERS- (PREFERRED - if over 2 years) or (Modified - if within 2 years)GERBEROXFORD- (If within 2 years= DECLINE)

Question 26

Angioplasty (Circulatory Heart Surgery)

Accepted Answer

SNL - Preferred if over 2 years, modified if under 2 years

Prosperity - Preferred if over 2 yrs, modified within 2 yrs

RNA - Preferred after 2 yrs, graded between months 18 and 24, decline in within 18

FBL/Trinity - Preferred if over 2 yrs, graded between year 1 and 2, decline if within 1 yr

Assurant - Preferred if over 2 yrs, modified if under 2 yrs

LBL - Preferred if over 2 yrs, modified if under 2 yrs

Sentinel - Preferred if over 5 yrs, Graded 30/70/100 if under 5 yrs

Question 27

ANGIOPLASTY (CIRCULATORY-HEART SURGERY)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

FORESTERS- (PREFERRED - if over 2 years) (Modified - if within 2 years)PROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in the last 2 years)AMERICO EAGLE- PREFERRED if over 1 yearAssurant/American Memorial Life -Preferred if over 2 yrsRNA- PREFERRED if over 2 year (GRADED if less than 2 years ago)AETNA – PREFERRED if OVER 2 yrs ago (WITHIN 2 YRS=GRADED) (WITHIN 1 YR=MODIFIED)TRANS – PREFERRED (if OVER 2 years) (if 12-24 months ago=STANDARD) (if under 1 YEAR=ROP)TRINITY/FAMILY BENEFIT- (PREFERRED if OVER 2 years) (GRADED if within 1-2 years) (DECLINE= if in thelast year)UHL-Premier if over 2 yrs (EXPRESS over 1 yr)OXFORD- (Preferred if OVER 2 yrs. Ago) (DECLINE=if in last 2 yrs.)AMERICAN AMICABLE-Preferred if Over 3 yrs (Graded if 2-3 yrs ago) (Modified if less than 2 yrs ago)SNL (GRADED= asked in section 2)GERBER

Question 28

ARRHYTHMIA

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AMERICO EAGLE- PREFERREDFORESTERS-PREFERREDRNA-PREFERREDAMERICAN AMICABLE-PREFERREDPROSPERITY- PREFERRED (app doesn’t mention)

Question 29

ASSISTED LIVING

Accepted Answer

AMERICO EAGLE- PREFERRED

RNA- PREFERRED

Question 30

Assisted Living

Accepted Answer

RNA - Preferred

Question 31

ASSURANT FINAL EXPENSE

Accepted Answer

1-800-621-7162

● Ages:

○ Level: 0-85

○ Modified: 40-80

● Tobacco or nicotine free within the last 12 consecutive months

● Excluded States:

○ Level: None

○ Modified: Arkansas, Massachusetts, Minnesota, North Carolina and Pennsylvania Plans:

● Immediate: Level

○ Ages: 0-60 yrs old

■ $5000- $50,000 ○ Ages: 61-80 yrs old

■ $3000- $25,000 ○ Ages: 81-85 yrs old

● ROP: ○

○ ○ ■ $3000- $20,000

Modified

Ages: 40-60 yrs old

■ $5,000-$15,000

Ages: 61-70 yrs old

■ $3000- $15,000

Ages: 71-80 yrs old

■ $3000- $10,000

Plan Info:

● Phone Number: 888-842-5892

● SUBMITTING APPLICATIONS: Paper App, Can do an App over phone but face value will only be $15k for all Products...voice signature required]

● PAYMENT: Checking or Savings Account, Money Order

● REPLACEMENT POLICY: Replacements are accepted in all States

● Telephone Interview: Required with ESP, 888-842-2266 [Monday-Thursday, 8:00am- 9:30 pm CST;

Friday, 8am-7pm; Saturday- 10am-2pm]

● Modified: 2 year waiting period

● Nicotine: Tobacco or nicotine free within the last 12 consecutive months

● RIDERS: N/A

Question 32

ASTHMA

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

FORESTERS-PREFERREDPROSPERITY- PREFERREDAMERICAN AMICABLE-PREFERREDRNA- PREFERREDMUTUAL of OMAHA- PREFERREDAssurant/American Memorial Life PreferredAMERICO EAGLE- PREFERREDUHL-PREMIERSNL-PREFERREDTRANS- PREFERRED (or STANDARD if CHRONIC ASTHMA)LBL- (PREFERRED=NOT ASKED ON APP)TRINITY/FAMILY BENEFIT (much stricter on asthma than above carriers so check RX list)

Question 33

Asthma

Accepted Answer

SNL - Preferred

Prosperity - Preferred

RNA - Preferred Top

Assurant - Preferred

LBL - Preferred

Sentinel - Preferred if not chronic, Graded 30/70/100 if chronic

FBL/Trinity - very strict, check RX list. Try to stay away from this carrier for breathing issues.

Question 34

AUTISM

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

SNL-Select (Security Care Plan-the app we RARELY use)

UHL-PREMIER

Sentinel -Preferred

SLAC -Accepted

Question 35

Autism

Accepted Answer

Prosperity - Preferred (not asked on app, check RX knockout list)

Sentinel - Preferred

Question 36

BACK DATE TO SAVE AGE

Accepted Answer

FORESTERS

GREAT WESTERN (1 month)

SLAC (6 months)

Question 37

BEDRIDDEN

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

TRINITY/FAMILY BENEFIT- (PREFERRED= if over 6 MONTHS AGO)PROSPERITY- DECLINEAIGUHL (GI=3 yr. wait)GERBERSNL (GRADED)LBL- DECLINEBALT LIFE- DECLINE

Question 38

BENEFICIARY

Accepted Answer

FORESTERS- Friend cannot be bene (ACCEPTABLE BENE=wife, husband, common law spouse, fiancée, domestic partner, son in law, daughter in law, child, step-child, grandchildren, sibling, niece, nephew, aunt, uncle, parent, grandparent, family living trust, certain charitable trusts, irrevocable living trusts, qualified charitable or community organizations)

TRINITY/FAMILY BENEFIT – ACCEPTS CHURCH AS BENE

Question 39

Bi-Polar/PTSD/Manic Depression

Accepted Answer

Prosperity - Graded

RNA - Preferred

FBL/Trinity - Preferred

Assurant - Preferred if diagnosed over 3 yrs

LBL - Preferred

Sentinel - Preferred

SNL - Modified

Question 40

BIPOLAR

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

FORESTERS-PREFERRED

RNA-PREFERRED

AMERICAN AMICABLE-PREFERRED

AETNA-PREFERRED

Assurant/American Memorial -Preferred if diagnosed over 3 yrs

AMERICO EAGLE- PREFERRED

TRANS (PREFERRED=on 45-85 yr. old app this is no problem)

LBL- PREFERRED ( not asked on app)

TRINITY/FAMILY BENEFIT – PREFERRED

AMERICAN HOME LIFE – PREFERRED

UHL- (STANDARD/DELUXE)

SNL- PREFERRED

MOO- GRADED

PROSPERITY- GRADED (30/70/100)

OXFORD= DECLINE

SLAC= DECLINE

Question 41

BRAIN TUMOR

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AETNA-STANDARD if OVER 1 year (on the NEW ACCENDO product)

AMERICO EAGLE- PREFERREDRNA- PREFERREDPROSPERITY -PREFERREDSLAC -Accepted, not mentioned on appSentinel -Preferred after 3yrs, modified within 3 yrsFORESTERS-PREFERRED if over 2 yrsUHL-PREMIER if over 2 yrs

Question 42

Brain Tumor

Accepted Answer

Prosperity - Preferred if non-cancerous in past 3 yrs, modified if cancerous

RNA - Preferred (if cancerous declined within 2 yrs)

Sentinel - Preferred after 3 yrs, modified within 3 yrs

Question 43

Bronchitis

Accepted Answer

RNA - Preferred

Prosperity - Graded

Assurant - Preferred

LBL - Standard if chronic

FBL/Trinity - Graded

Sentinel - Graded even with oxygen use

SNL - Modified

Question 44

BRONCHITIS (CHRONIC) (form of COPD)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AETNA-STANDARD if OVER 1 year (on the NEWACCENDO product)

RNA-PREFERREDTRANS (STANDARD) (if no other “yes” answers in Part C4) (smokers & non-smokers are ok)LBL (STANDARD if CHRONIC) (PREFERRED if not chronic)Assurant/American Memorial Life -PreferredSentinel -Preferred after 5 yrs (graded within 5 yrs)FORESTERS – (Level – if not chronic) or (GRADED - if chronic)PROSPERITY-PREFERREDTRINITY/FAMILY BENEFIT- GRADEDPROSPERITY- GRADEDGERBERAETNA –GRADED 40/75/100 (if non-smoker and not on nebulizer) (MODIFIED if smoker or on nebulizer)SNL- GRADEDUHL- (EXPRESS ISSUE WL-GRADED for 2 years)SLAC- DECLINEOXFORD- DECLINE

Question 45

BYPASS

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AMERICO EAGLE- PREFERRED (if over 1 year)

PROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in the last 2 years)

TRANSAMERICA - PREFERRED (if over 2 years) (STANDARD if between 1-2 years ago)

AETNA- PREFERRED (if OVER 2 years)

FORESTERS- PREFERRED if over 2 yrs

RNA- PREFERRED if over 2 years (DECLINE=if less than 18 months)

LBL- PREFERRED if over 2 years

Assurant/American Memorial Life -Preferred after 2 yrs

SLAC -Accepted after 2 yrs

UHL-PREMIER if over 2 yrs (EXPRESS if less than 2 yrs)

TRINITY/FAMILY BENEFIT- (PREFERRED= if OVER 2 years) (1-2 years ago= GRADED)

BALT LIFE- SG1 if over 2 yrs (SG2 if less than 2 yrs)

Question 46

Bypass

Accepted Answer

SNL - Preferred over 2 years, modified under 2 years

Prosperity - Preferred if over 2 yrs, modified under 2 yrs

RNA - Preferred if over 2 yrs, Graded between 18 and 24 mos, Under 18 mos Decline

FBL/Trinity - Preferred if over 2 yrs, graded between year 1 and 2

Assurant - Preferred if over 2 yrs, modified within 2 yrs

LBL - Preferred if over 2 yrs, modified if under 2 yr

Question 47

CANCER

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

SNL (PREFERRED IF NO CANCER for 2+ years and ONLY takes cancer meds as a PREVENTATIVE)(MODIFIED= if cancer free for 90 days) (DECLINE= if had cancer in last 90 days)PROSPERITY-(PREFERRED-if over 3 years) (MODIFIED-if in last 3 years EXCLUDING BASAL CELL skinCancer/SQUAMOUS CELL skin Cancer) (DECLINE-if more than 1 occurrence of same or diff type ofCancer)UHL-PREFERRED - if Basal Cell Skin cancer & if OVER 2 yrs &multiple occurrence of same or different typeof cancer & maintenance medication is OK) )(GRADED/EXPRESS ISSUE WL after 1 year= FULLcommission)Assurant/American Memorial Life -Preferred after 2 yrs with no reoccurrence,(excluding basal cell and squamous)FORESTERS- PREFERRED (AFTER 3 YEARS) or (PREFERRED - if only Basal Cell Skin Cancer)AETNA (WITHIN 1 YEAR MODIFIED) (WITHIN 2 YEARS GRADED 40/75/100) (PREFERRED= over 2 yrs.)AMERICO EAGLE- PREFERRED after 2 yearsOXFORD- PREFERRED (AFTER 2 YEARS)BALTIMORE LIFE- SG1 PREFERRED (AFTER 2 YEARS) (SG2 less than 2 yrs)MUTUAL OF OMAHA-PREFERRED (AFTER 4 YEARS)(PREFERRED if BASAL CELL or SQUAMOUS CELL skincancer)TRANS- (PREFERRED= if over 4 yrs.) (GRADED= if within the LAST 4 YEARS)LIBERTY BANKERS LIFE- PREFERRED (AFTER 2 YEARS) (PREFERRED – if only Basal Cell Skin Cancer)PROSPERITY-PREFERRED if over 3 yrs ago (DECLINE if last 3 yrs or more than 1 occurrence)AMERICAN AMICABLE-Preferred if Over 3 yrs (Graded if 2-3 yrs ago) (Modified if less than 2 yrs ago)RNA (PREFERRED=AFTER 2 YEARS) (DECLINE= if in last 2 yrs.)UHL-PREMIER if over 2 yrs (EXPRESS ISSUE WL if less than 2 yrs)TRINITY/FAMILY BENEFIT – (PREFERRED= if OVER 2 YEARS) (UNDER 2 YEARS DECLINE)GERBERAIG

Question 48

Cancer (Current)

Accepted Answer

Prosperity Prime Term - If diagnosed over 2 years out

Sentinel - Modified

Gerber

Question 49

CANCER (CURRENTLY)

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

BANKERS FIDELITY (GRADED 25/50/100) (PAYS FULL COMMISSION ON GRADED)BALTIMORE LIFE-SG2 (Agent gets full commission & client gets graded 25%/50%/100%)AMERICAN AMICABLE (ROP)PROSPERITY-DECLINE (EXCLUDING basal cell skin Cancer)AETNA (MODIFIED)BALTIMORE LIFE (SILVER GUARD 3)AIGGERBERUHL (LEVEL-if Basal Cell Skin) (ANY other cancer is a GI PLAN)TRANS (GRADED)SNL (DECLINE)

Question 50

Cancer (Past) Excluding Basal Cell and Squamous Cell Skin Cancer

Accepted Answer

SNL - Preferred after 3 years, modified within 3 years, Decline if more than 1 occurrence of cancer.

Prosperity - Preferred after 3 yrs, modified within 3 yrs, Decline if more than 1 occurance of cancer.

RNA - Preferred after 2 yrs, Decline under 2 yrs

FBL/Trinity - Preferred if over 2 yrs, decline within 2 yrs

Assurant - Preferred if over 2 yrs with no reoccurrence of the same type of cancer, Decline within 2 yrs

LBL - Preferred if over 2 yrs, modified if under 2 yrs

Sentinel - Preferred if over 3 yrs, modified within 2 yrs

Question 51

Cardiac Health History

Accepted Answer

Core Carriers: Greater than 2 years = Prosperity Preferred

Niche Carriers: Liberty Bankers - >2 years Preferred

Guaranteed Issue: Great Western - <1 year

Non-Core Carriers: >2 Years = Royal Neighbors, Trinity/Family Benefit

Question 52

CARDIOMYOPATHY

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AETNA-STANDARD if OVER 1 year (on the NEW ACCENDO product)

FORESTERS-PREFERRED (if over 2 yrs)

TRANS-PREFERRED if over 2 yrs (STANDARD if 1-2 yrs ago) (GRADED if less than 1 yr)

PROSPERITY-PREFERRED if over 2 yrs (MODIFIED if under 2 yrs)

RNA-PREFERRED if over 2 yrs (GRADED over 18 months)(DECLINE under 18 months)

LBL-DECLINE

TRINITY-DECLINE

AMERICAN AMICABLE-MODIFIED

Question 53

Carrier Tele-Sales Numbers

Accepted Answer

SNL (800)737-6972; Hours M-F 8:30am to 2am, Sat & Sun

10am to 10pm

Prosperity (800)737-6972; Hours M-F 8:30am to 2am, Sat & Sun 10am to 10pm EST

RNA (866)281-9228; M-F 8 am to 9 pm, Sat 8am to 3pm CST

Trinity/FBL (888)995-7722; M-F 8am to 8pm, Sat 8am to 2pm CST

Assurant (888)842-2266; M-Th 8am to 9:30pm, Fr 8am to 7pm, Sat 10am to 2pm CST

LBL (800)604-6844 (DIMA); Temp # used during COVID19

(844)442-9867

Sentinel (800)737-6972; Hours M-F 8:30am to 2am, Sat & Sun 10am to 10pm EST

Gerber

Question 54

Carriers that do not ask about Past Declines

Accepted Answer

SNL

RNA

Family Benefit Life/Trinity (asks about previous declines but is not a knockout, explain on interview)

LBL

Assurant/American Memorial Life (Asks about decline in the past 3 yrs, but is not a knockout with their impairment-based underwriting)

Sentinel

Question 55

Carriers that do Stand Alone Accident Only Plans

Accepted Answer

Gerber

Question 56

Carriers that offer Accident Riders

Accepted Answer

Prosperity

LBL

Sentinel

Question 57

Carriers with 10& 20 Year Pay

Accepted Answer

RNA (20 pay only)

Sentinel (10 and 20)

Question 58

Carriers with Single Pay

Accepted Answer

RNA

Sentinel

Question 59

CEREBRAL PALSY

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

MOO - PREFERREDFORESTERS-PREFERREDAMERICO EAGLE- PREFERREDRNA- PREFERREDLBL-PREFERREDPROSPERITY-PREFERREDSNL-SECURITY CARE PLAN (App we rarely use) 10K max amount w/ a waiting periodAMERICAN AMICABLE-GRADEDUHL-EXPRESS ISSUE WL

Question 60

Cerebral Palsy

Accepted Answer

LBL - Modified

Gerber

Question 61

CHILD/GRANDCHILD POLICIES AND RIDERS

Accepted Answer

Mutual of Omaha- GREAT prices on children policies 0-17 yrs. old

RNA – 20 PAY AND LIFE PAY

SNL- CHILD RIDER

LBL

TRANS – FE, 10 PAY

UHL

AMERICAN AMICABLE- CHILD/GRANDCHILD & even GREAT GRANDCHILDREN

AMERICO – CHILD/GRANDCHILD RIDER

Question 62

Child/Grandchild Riders

Accepted Answer

SNL

RNA (20 pay and Life pay)

LBL Sentinel (Both)

Question 63

CIRCULATORY SURGERY

Accepted Answer

*** (MEDS MUST CHECK OUT TOO!!!) ***

AETNA-STANDARD if OVER 1 year (on the NEW ACCENDO product)

AMERICO EAGLE- PREFERRED (if over 1 year)PROSPERITY- (PREFERRED- if over 2 years) (MODIFIED-if in the last 2 years)FORESTERS-PREFERRED if over 2 yrsRNA-PREFERRED if over 2 yrs (GRADED over 18 months)(DECLINE under 18 months)UHL-PREMIER if over 2 yrs (EXPRESS ISSUE WL if less than 2 yrsAssurant/American Memorial Life -Preferred if over 2 yrsSLAC -Accepted after 2 yrs

Question 64

Circulatory Surgery

Accepted Answer

SNL - Preferred over 2 years, modified if under 2 years

Prosperity - Preferred if over 2 yrs

RNA - Preferred if over 2 yrs, Graded between 18 and 24 mos, Decline if under 18 mos

FBL/Trinity - Preferred if over 2 yrs, Graded between year 1 and 2, Decline if under 1 yr

Assurant - Preferred if over 2 yrs, Modified if under 2 yrs

LBL - Preferred if over 2 yrs, Modified if under 2 yrs

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