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ina (Chest Pain)Angioplasty/StentI plantFORESTERS:MUTUAL OF OMAHA:PHOENIX:Safe ShieldSmart U.L.Strong FoundationTerm Life ExpressG.U.L. ExpressSafe Harbor TermExpressTerm LifeDECLINEDECLINEUNITED HOME LIFE:Home CertaintyEasy TermDECLINEDECLINEDECLINEDECLINEDECLINEWithin past 4 years:DECLINEWithin past 4 years:DECLINEWithin past 5 years:DECLINEAfter 5 years, withoutrelapse, no currentuse: ACCEPTWithin past 10 years:DECLINEDECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow up: DECLINEDECLINEDECLINEDECLINEInjury: ACCEPTInjury: ACCEPTInjury: POSSIBLEACCEPTInjury: ACCEPTInjury: ACCEPTCaused by injury:ACCEPTDisease: DECLINEDisease: DECLINEDisease: DECLINEDisease: DECLINEDue to disease:DECLINEDisease: DECLINEDECLINEDECLINEDECLINEDECLINEDECLINEIf treated/diagnosedwithin the past 5 years:DECLINEDECLINEDECLINEIf treated/diagnosedwithin the past 5 years:DECLINEDECLINEDECLINEAfter 10 years with notreatment/diagnosis:POSSIBLE ACCEPTIf treated/diagnosedwithin the past 5 years:DECLINEMild age 25, onsetmore than 1 year orlater, nohospitalizations ortime off work: ACCEPTIf hospitalized withinthe past 10 years dueto: DECLINE3 or more meds, orhospitalized: DECLINEACCEPTDECLINEDECLINEAfter 10 years with notreatment/diagnosis:POSSIBLE ACCEPTIf treated/diagnosedwithin the past 5 ANCIAL GROUP:DECLINEDECLINEDisease: DECLINEDECLINEDECLINEDECLINEDECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINEAlcohol Abuse: After 5If treated/diagnosedyears since lastwithin the past 5 years:treatment and NODECLINEcurrent use: ACCEPTIf treated/diagnosedwithin the past 5 years:DECLINEInjury: POSSIBLEACCEPTIf more than 10 years:POSSIBLE ACCEPTAnxietyArrthmia2 or more meds:DECLINE2 or more meds:DECLINE1 medication,situational in nature:ACCEPT1 medication,situational in nature:ACCEPTDECLINEDECLINEACCEPTIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEOtherwise: ACCEPTIf more than 10 years:POSSIBLE ACCEPTOsteoarthritis:ACCEPTArthritisAmaAtrial Fibrillation(A-Fib)Rheumatoid - minor no Rheumatoid - minor nolimitations: ACCEPTlimitations: ACCEPT Rheumatoid - Requiredfollow-up ever:Severe: DECLINESevere: DECLINEDECLINEOther: POSSIBLEACCEPTOther: POSSIBLEACCEPTMild, moderate,occasional, seasonal,allergic: ACCEPTMild, moderate,occasional, seasonal,allergic: ACCEPTIf treated withsteroids, tobacco useor hospitalizationwithin the past 12months: DECLINEDECLINEIf treated withsteroids, tobacco useor hospitalizationwithin the past 12months: DECLINEDECLINEOther: ACCEPTRheumatoid - minorno limitations:ACCEPTSevere/Moderate (RXinclude Humira,Enbrel, Prednisone):DECLINEModerate/Severerheumatoid arthritistreated with Humira,Enbrel oid: ACCEPTIf treated with Enbrel,Remicade, Humira:DECLINEACCEPTIf on disability: SimpleTerm DLXMild: ACCEPTTobacco use ormoderate/severe orcomplications:DECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEModerate if build is 50lbs lighter than thebuild chart: ACCEPTACCEPTChronic or ECLINEIf more than 10 years:POSSIBLE ACCEPTACCEPTHospitalization for 10 Hospitalized within thedays within the pastpast 2 years: DECLINEyear: DECLINEIf diagnosed over 2years ago, and currentIf treated/diagnosedage is 50 or older:within the past 5 years:ACCEPTDECLINEOtherwise: DECLINEACCEPTBi olar DisorderBlood Pressure(Hypertension)DECLINEDECLINEACCEPTACCEPTIf controlled with 2 orIf controlled with 2 orless medications,less medications,provide current BPprovide current BPhistory. 3 or morehistory. 3 or moremedications: DECLINE medications: DECLINEIf received diagnosisor required follow-upwithin the past 10years: DECLINEDECLINEDECLINEIf treated/diagnosedIf taking 3 within the past 5 years:medications orSimple Term DLXhospitalizations inpast 2 years: DECLINEACCEPTACCEPTIf controlled & MUSTbe 50lighter thanrelative build chart:ACCEPTI Table 2 or higherbuild with multipleimpairments orhospitalizations withinpast 10 years:DECLINEACCEPTACCEPTDECLINEACCEPTIf chronic and treated/diagnosed within thepast 5 years: DECLINEDECLINEDECLINEIf treated/diagnosedwithin the past 5yearsC IACCEPTBronchitisBy ass :ACCEPTChronic: DECLINEChronic: DECLINEDECLINEDECLINEAcute: ACCEPTIf moderate to severe,if a smoker or anycomplications:DECLINEChronic: DECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEPossible ACCEPT ifmore than 10 yearsDECLINE1This is meant to serve as a quick underwriting guide. It does not replace any carrier underwriting guidelines provided by each carrier. All underwriting decisions are at the sole discretion of each individual carrier. For additional underwriting assistance please contact the underwriting department at each carrier or Equis Agent Services.
ANAMICABLE/OCCIDENTAL:Home CertaintyEasy TermDiagnosis and end oftreatment over 7 yearsago: mousCarcinoma - Isolatedoccurrence: ACCEPTAll others: DECLINECardiomyopathyDECLINEDiagnosis and end oftreatment over 8 yearsago: ACCEPTBasal/SquamousCarcinoma - Isolatedoccurrence: ACCEPTAll others: DECLINEDECLINECOLUMBIANFINANCIAL GROUP:Safe ShieldMore than 5 yearssince last diagnosis &treatment:POSSIBLE ACCEPTFORESTERS:MUTUAL OF OMAHA:PHOENIX:Smart U.L.Strong FoundationTerm Life ExpressG.U.L. ExpressSafe Harbor TermExpressDiagnosis and end oftreatment over 10years ago orre ccurrence:ACCEPTEVER MetastaticBasal Cell: ACCEPT(spread), Hodgkin'sDisease, Leukemia,All others includingLymphoma, Liver, LungHodgkin's Lymphoma:or Pancreatic:DECLINEDECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINEDiagnosis and end oftreatment over 5 yearsago: ACCEPTDECLINEBasal Cell: ACCEPTUNITED HOME LIFE:Term LifeIf treated/diagnosedwithin the past 5 years:DECLINEOtherwise: DECLINEDECLINEDECLINEIf treated/diagnosedwithin the past 5 years:DECLINEIf more than 10 years:POSSIBLE ACCEPTCrohn’sColitisDiagnosed prior to age Diagnosed prior to age20 or within the past20 or within the past12 months: DECLINE12 months: DECLINEDiagnosed within thepast 12 months orprior to age 20:DECLINEDiagnosed within thepast 12 months orprior to age 20:DECLINEIf less than 3 yearssince last flare-upCrohn’s Disease:DECLINEMild-Moderate:ACCEPT 5 years in remission:ACCEPTACCEPTHospitalizations orcomplications withinthe past year:DECLINEACCEPTMild-Moderate:ACCEPTModerate to severeUC: DECLINEUlcerative: DECLINEACCEPTHospitalizations orcomplications withinthe past year:DECLINEACCEPTACCEPTCOPD (ChronicChronic Bronchitis or Chronic Bronchitis orObstructive PulmonaryEmphysema: DECLINE Emphysema: DECLINEDisease)If moderate to severe,if a smoker or anycomplications:DECLINEChronic Bronchitis or Chronic Bronchitis orEmphysema: DECLINE Emphysema: DECLINEOtherwise: POSSIBLEACCEPTPossible reasons fordeclination includes:Tobacco use withinpast 12 months;current oxygentreatment; or chronicoral steroids requiredIf treated/diagnosedwithin the past 5 years:DECLINECHF (Congestive CLINEIf treated/diagnosedwithin the past 5 years:DECLINECystic If treated/diagnosedwithin the past 5 years:DECLINEACCEPT:ACCEPT2 or more meds:DECLINEDepressionDementiaDiabetes*Must be under TABLE2 BUILD. Refer todiabetic build chart.Driving Record(Including DUI)ACCEPT1 medication,situational in nature:ACCEPT1 medication,situational in nature:ACCEPTModerate to severediagnosed within thepast 3 years:DECLINEDECLINEDECLINEDECLINECombined withCombined withverweight, gout,verweight, gout,retinopathy, protein in retinopathy, protein inurine, diagnosed prior urine, diagnosed priorto age 35, tobacco use to age 35, tobacco usewithin the past 12within the past 12months or usesmonths or usesinsulin: DECLINEinsulin: DECLINEControlled with raledications: ACCEPTDisabled/Disability2 or more meds:DECLINEReceiving disabilityincome or payments:DECLINEControlled with raledications: ACCEPTReceiving disabilityincome or payments:DECLINEType - Any tobaccouse, ratable table 2build or higher,diabetic complicationsor Coronary ArteryDisease: DECLINEType 2 - Any tobaccouse age 50 andyounger, ratable table2 build or higher,diabetic complicationsor Coronary ArteryDisease: DECLINEOtherwise: POSSIBLEACCEPT*Refer to underwritingguide for completerestrictionsACCEPTMild age 25, onsetmore than 1 year orlater, nohospitalizations ortime off work: ACCEPTSevere, majordepression, bipolar,schizophrenia (Rinclude Lithium,Seroquel, Abilify,R e): DECLINEHospitalized within theIf taking 3 past 10 years, ormedications orhospitalizations inevere epression:DECLINEpast 2 years: DECLINEDECLINEDECLINEDECLINETreated with oralmedication or diet.Good control. Nonsmoker or 1 pack/day. Build does notexceed diabetic buildchart: ACCEPTDiagnosed age 50with table 2 or higherbuild, tobacco use, orPVD: DECLINEBetween ages 18 & 35:DECLINEOtherwise: POSSIBLEDECLINE*Call for riskassessmentACCEPTACCEPTIf treated within thepast 5 years: DECLINEUsing insulin in thelast 5 years: SimpleTerm DLXType or 2:POSSIBLE ACCEPTOtherwise: ACCEPTOtherwise:POSSIBLE ACCEPTDECLINEIf currently disabled, orhad been within thepast 6 months orreceived any disabilitypayments within thepast 6 months: SimpleTerm DLXIf maternity, fractures,spinal or backdisorders, hip or kneereplacements:ACCEPTACCEPTLicense suspended orLicense suspended orrevoked. Past 3 years: License suspended or Past 5 years: LicenseLast 5 years: 4 or moreDriver licenserevoked. Past 3 years:revoked. Past 3 years: suspended or revoked,DWI, or 2 or moremoving violations,suspended or revokedDWI, or 2 or moreDWI, DUI, 3 or more3 or more movingaccidents, or 3 orDUI, or wrecklessor any DUI violationsaccidents, or 3 or moredriving violations orviolations or 1 or moremore drivingdriving convictions:within the past 3driving violations orcombination thereof:violations orDUI: POSSIBLEDECLINEyears: DECLINEcombination thereof:DECLINEDECLINEcombination thereof:DECLINEDECLINEIf within the past 5years: Simple TermDLX2This is meant to serve as a quick underwriting guide. It does not replace any carrier underwriting guidelines provided by each carrier. All underwriting decisions are at the sole discretion of each individual carrier. For additional underwriting assistance please contact the underwriting department at each carrier or Equis Agent Services.
ANAMICABLE/OCCIDENTAL:Home CertaintyEasy TermIllegal drug use orIllegal drug use ortreatment within thetreatment within thepast 4 years: DECLINE past 4 years: DECLINEDrug Abuse/AddictionAfter 4 years sincetreatment and nonusage: ACCEPTAfter 4 years sincetreatment and nonusage: ACCEPTPetit Mal: ACCEPTPetit Mal: ACCEPTAll others: DECLINEAll others: DECLINEEpilepsyCOLUMBIANFINANCIAL GROUP:Safe ShieldIn the past 5 years,used or had beentreated foramphetamines,cocaine, narcotics,hallucinogens, orbarbiturates: DECLINEWith seizures in thepast year: DECLINEFORESTERS:MUTUAL OF OMAHA:PHOENIX:Smart U.L.Strong FoundationTerm Life ExpressG.U.L. ExpressSafe Harbor TermExpressOther than occasionalarijuana use(tobacco rates apply):DECLINEUsed or convictedunlawful drugs orprescription drugsother than asprescribed within thepast 10 years:DECLINEControlled on meds,no seizures for 2years, nocomplications:POSSIBLE ACCEPTDECLINELess than 5 years fromend of use/treatment:DECLINEAfter 5 years: ACCEPTUnless diagnosedwithin the past year orhospitalized within thepast two years:ACCEPTSevere: DECLINEUNITED HOME LIFE:Term LifeWithin the past 12months: Used anyIllegal Drugs? If yes:DECLINEIf seizures occurredwithin the past twoyears, uncontrolled:DECLINEIf more than 2 yearssince last seizure andcontrolled seizuredisorder: ACCEPTIf on probation orparole:DECLINEPast 5 years: DECLINE Past 5 years: DECLINEFelony(Probation &Parole)FibromyalgiaGastric BypassProbation or parolewithin past 6 months:DECLINEProbation or parolewithin past 6 months:DECLINEPast 3 years: DECLINEACCEPTACCEPTACCEPTSurgery within past 1year or with anycomplications post 1year surgery date:DECLINESurgery within past 1year or with anycomplications post 1year surgery date:DECLINEAfter 1 year sincesurgery and NOcomplications:ACCEPTAfter 1 year sincesurgery and NOcomplications:ACCEPT1 year after probation:ACCEPTIf jail time has beenserved, consider 5years after parole.ACCEPTNo depression andACCEPTAfter 1 year, weightstabilized: ACCEPTPast 10 years:DECLINEPast 5 years: DECLINEPast 10 years:DECLINEACCEPTACCEPTProbation and Parole:POSSIBLE DECLINEACCEPTAfter 1 year: ACCEPTSurgery 6 monthsago withoutcomplications:US LL ACCEPTACCEPT(Rate for build)DECLINEHeart AttackHeart MurmurDECLINEDECLINEHistory of treatment or History of treatment orsurgery : DECLINEsurgery : DECLINEHeart attack after 10years may beconsidered, but mayrequire medicalrecords: POSSIBLEACCEPTIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINEDECLINEDECLINEDECLINE“Innocent” and nosymptoms: ACCEPTDECLINEACCEPTIf treated or diagnosedwithin the past 5 years:DECLINEDECLINEDECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINEIf more than 10 years:POSSIBLE ACCEPTHeart SurgeryDECLINEDECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEIf more than 10 years:POSSIBLE ACCEPTHepatitisHistory diagnosis of or History diagnosis of or A, recovered: ACCEPT A, recovered: ACCEPTtreatment for B or C:treatment for B or C:B or C: DECLINEDECLINEDECLINEB or C: DECLINEA: POSSIBLE ACCEPTB or C: DECLINEA (Acute) - Fullyrecovered: ACCEPTOtherwise: DECLINEBIf treated or diagnosedwith B or C within thepast 5 years: DECLINEC: DECLINEHIV VETested positive:DECLINETested EHyper/Hypo ThyroidismACCEPTACCEPTACCEPTTreated, no INEDisease/Dialysis:DECLINEStones: ACCEPTStones: ACCEPTStones: ACCEPTStones, acuteinfection: ACCEPTStones: ACCEPTStones: ACCEPTStones: ACCEPTDECLINEDECLINEDECLINEDECLINEDECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINEDiscoid: ACCEPTDiscoid: ACCEPTDiscoid: ey Disease/Failure / DialysisKidney StonesLeukemiaDisease/Dialysis:DECLINEDiscoid: ACCEPTDiscoid: ACCEPTLupusSystemic:(Erythematous)DECLINEDiscoid: hematous) ifdiagnosed less than 5years ago withmedications: DECLINEDiscoid: AcceptSystemic:(Erythematous) in thepast 5 years: SimpleTerm DLX3This is meant to serve as a quick underwriting guide. It does not replace any carrier underwriting guidelines provided by each carrier. All underwriting decisions are at the sole discretion of each individual carrier. For additional underwriting assistance please contact the underwriting department at each carrier or Equis Agent Services.
DISEASE/DISORDERLiver ICANAMICABLE/OCCIDENTAL:Home CertaintyEasy TermDECLINEDECLINEIllegal drug use orIllegal drug use ortreatment within thetreatment within thepast 4 years: DECLINE past 4 years: DECLINEMarijuanaAfter 4 years sincetreatment and nonusage: ACCEPTMultiple Sclerosis (MS)Muscular Dystrophy(MD)Oxygen se(excluding SleepApnea)PacemakerDECLINEAfter 4 years sincetreatment and nonusage: ACCEPTDECLINECOLUMBIANFINANCIAL GROUP:Safe ShieldDECLINEPossible obaccorates (occasional useonly): ACCEPTFORESTERS:MUTUAL OF OMAHA:PHOENIX:Smart U.L.Strong FoundationTerm Life ExpressG.U.L. ExpressSafe Harbor TermExpressTerm LifeUNITED HOME LIFE:DECLINEDECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINEPossible obaccorates (occasional useonly): ACCEPTUsed or convictedunlawful drugs orprescription drugsother than asprescribed within thepast 10 years:DECLINEPossible obaccorates: ACCEPT: If used within thepast 12 months:DECLINEIn the past 10 years,received diagnosis ofor required follow-up;progressive orrelapsing: DECLINEUnder age 45:DECLINEDECLINEDECLINE45 and up: POSSIBLEACCEPTIf treated or diagnosedwithin the past 5 years:DECLINEIf treated ordiagnosed within thepast 5 years:E LI n the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEDECLINEDECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINEDECLINEIf more than 10 years:POSSIBLE ACCEPTPancreatitisChronic or multipleepisodes: DECLINEChronic or multipleepisodes: DECLINEDECLINESingle attack, acute 1year ago, no alcoholrelated, nocomplications:ACCEPTACCEPTParalysisParkinson’s DiseaseDECLINEIncludes Paraplegia orQuadriplegia:DECLINEAny Paraplegia orQuadriplegia:DECLINEDECLINEModerate, Severe orProgressive: DECLINEParaplegia orQuadriplegia:DECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINEOtherwise: DECLINEAlcohol related,chronic: DECLINEIncludes Paraplegia orQuadriplegia:DECLINESingle episode, fullyrecovered, noevidence of alcoholabuse: ACCEPTAny Paraplegia orQuadriplegia:DECLINEDECLINEAny Paraplegia orQuadriplegia:DECLINEIf any ADLs areimpacted: DECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINEACCEPTPeripheral VascularDisease urrent, nocomplications:ACCEPTCurrent, nocomplications:ACCEPTACCEPTACCEPTACCEPTPulmonary EmbolismSarcoidosisSchizophreniaSleep ApneaACCEPTPulmonary: DECLINEACCEPTPulmonary: DECLINEDECLINEDECLINEACCEPTACCEPTCombined with aCombined with ahistory or overweight, history or overweight,poorly controlled high poorly controlled highblood pressure, COPD, blood pressure, COPD,or heart arrhythmia:or heart arrhythmia:DECLINEDECLINEN/AIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEIn the past 10 yearsreceived treatment/diagnosis or hadfollow-up: DECLINEACCEPTDECLINEDECLINEACCEPTACCEPTTwo or fewer episodes,If treated or diagnosedfully recovered:within the past 5 years:ACCEPTDECLINEOtherwise: DECLINEMild (Stage 0 - Stage1): ACCEPTPulmonary: DECLINELocalized, nonpulmonary: ACCEPTIf treated or diagnosedIf surgically corrected/within the past 5 years:and or in multipleDECLINElimbs, or tobacco use:DECLINEDECLINEAll others: (moderatesevere) DECLINEIf treated or diagnosedwithin the past 5 years:DECLINEDECLINEDECLINEDECLINEIf diagnosed/treatedwithin the past 5 years:Simple Term DLXTreated andcontrolled: ACCEPTACCEPTPOSSIBLE ACCEPTACCEPT4This is meant to serve as a quick underwriting guide. It does not replace any carrier underwriting guidelines provided by each carrier. All underwriting decisions are at the sole discretion of each individual carrier. For additional underwriting assistance please contact the underwriting department at each carrier or Equis Agent Services.
ANAMICABLE/OCCIDENTAL:Home CertaintyEasy TermCOLUMBIANFINANCIAL GROUP:Safe ShieldFORESTERS:MUTUAL OF OMAHA:PHOENIX:Smart U.L.Strong FoundationTerm Life ExpressG.U.L. ExpressSafe Harbor TermExpressTerm LifeUNITED HOME LIFE:Stroke/CVA/TIADECLINEDECLINEIf less than 1 year ofevent, less than age 40of event, or all ageswith moderate tosevere residuals:DECLINESuicide ansportationssistanceDECLINEDECLINEPermanent use:DECLINEDECLINEDECLINEIf any ADLs areimpacted: DECLINEIf any ADLs areimpacted: DECLINESEE BUILD CHARTSEE BUILD CHART ORDIABETIC BUILDCHARTSEE BUILD CHART ORMULTIPLEIMPAIRMENT BUILDCHART(TABLE 2)SEE BUILD CHARTSEE BUILD CHARTWeightSEE BUILD CHARTSEE BUILD CHARTDECLINEDECLINEDECLINEIf treated or diagnosedwithin the past 5 years:DECLINE5This is meant to serve as a quick underwriting guide. It does not replace any carrier underwriting guidelines provided by each carrier. All underwriting decisions are at the sole discretion of each individual carrier. For additional underwriting assistance please contact the underwriting department at each carrier or Equis Agent Services.
BUILD CHARTS - GENDER NEUTRALHeightAA/OCCAA/OCC*Table 2FORESTERSCFGFORESTERSDIABETICMUTUAL OFOMAHAMUTUAL OFOMAHA 2UHLUHL 51s is meant to serve as a quick underwriting guide. It does not replace any carrier underwriting guidelines provided by each carrier. All underwriting decisions are at the sole discretion of each individual carrier. For additional underwriting assistance please contact the underwriting department at each carrier or Equis Agent Servic
AMERICAN AMICABLE/ OCCIDENTAL: Home Certainty AMERICAN AMICABLE/ OCCIDENTAL: Easy Term COLUMBIAN FINANCIAL GROUP: Safe Shield FORESTERS: Smart U.L. Strong Foundation MUTUAL OF OMAHA: Term Life Express G.U.L. Express PHOENIX: Safe Harbor Term Express UNITED HOME LIFE: Term Life AI DECLINE Alcoholism Within past 4 years: DECLINE
