FINAL EXPENSE
UNDERWRITING GUIDE
AFIB Aflac (Final Expense)- *Preferred Corebridge (SIWL)- *If diagnosed within 2 years, SimpliNow Legacy. American Amicable (Family Choice)- *If treated within 3 years, ROP American Amicable (Senior Choice)- *Immediate American Home Life (Patriot Series) *Preferred CVS (Aetna Accendo)- *Preferred Foresters (PlanRight)- *Preferred Guarantee Trust Life- *Graded Liberty Bankers- *Standard Mutual of Omaha (Living Promise)- *If treated within 2 years, Graded. *If diagnosed within 1 year, Decline Royal Neighbors (Ensured Legacy)- *Preferred SBLI (Living Legacy)- *Preferred Transamerica (Express)- *Select Transamerica (Solutions)- *Preferred UHL- *If treated within 2 years, EIWL
AIDS Corebridge (GIWL)- *Guaranteed Issue Foresters (BrightFuture)- *Approved Gerber- *Guaranteed Issue Royal Neighbors (Ensured Legacy)- *Graded UHL- *If treated within 5 years, Decline
ALCOHOL / DRUG ABUSE Aflac (Final Expense)- *If treated within 2 years, Modified American Amicable (Family Choice)- *If treated within 2 years, Decline American Amicable (Senior Choice)- *If treated within 2 years, ROP American Home Life (Patriot Series)- *If treated within 2 years, Modified, over 2 years, level Corebridge (SIWL)- *If treated within 2 years, SimpliNow Legacy. *If "Has there been any abuse related to narcotics without a prescription?" answered "Yes" , Decline Corebridge (GIWL)- *Guaranteed Issue CVS (Aetna Accendo)- *If treated within 2 years, Modified, over 2 years, level Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *If treated within 2 years, Basic Gerber- *Guaranteed Issue Guarantee Trust Life- *Graded Liberty Bankers- *If treated within 2 years, Decline Mutual of Omaha (Living Promise)- *If treated within 2 years, Graded Royal Neighbors (Ensured Legacy)- *If treated within 3 years, Graded. *If treated between 3 and 10 years ago, Standard SBLI (Living Legacy)- *If treated within 3 years, Modified Transamerica (Express)- *If treated within 2 years, Decline Transamerica (Solutions)- *If treated within 2 years, Decline. *If treated between 2 and 4 years ago, Graded. *If treated between 4 and 10 years ago, Standard. *If younger than 17, Decline UHL- *If treated within 1 year, Decline
ALZHEIMERS / DEMENTIA Corebridge (GIWL)- *Guaranteed Issue Gerber- *Guaranteed Issue Royal Neighbors- *Guaranteed Issue
AMPUTATION DUE TO ACCIDENT Aflac (Final Expense)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline Corebridge (SIWL)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline Corebridge (GIWL)- *Guaranteed Issue American Amicable (Family Choice)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline American Amicable (Senior Choice)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline American Home Life (Patriot Series)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline CVS (Aetna Accendo)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Gerber- *Guaranteed Issue Guarantee Trust Life- *Graded Liberty Bankers- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Mutual of Omaha (Living Promise)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Royal Neighbors (Ensured Legacy)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Guaranteed Issue SBLI (Living Legacy)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Transamerica (Express)- Select Transamerica (Solutions)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Graded UHL- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline
AMPUTATION DUE TO CANCER Corebridge (SIWL)- *If treated within 2 years, Decline. *If treated within 4 years, SimpliNow Legacy. *If "Did the cancer progress to a stage beyond stage 1?" answered "Yes" , SimpliNow Legacy Max. *If "Has the prospect ever had recurrent cancer (excluding basal cell skin cancer) of the same type?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Has the prospect ever had metastatic cancer?" answered "Yes" , Decline. *If "Was the type of cancer either breast, cervical, colon, endometrial, kidney/ureter, melanoma, prostate, testicular, or thyroid?" answered "Yes" , SimpliNow Legacy Corebridge (GIWL)- *Guaranteed Issue Foresters (PlanRight)- *If treated within 3 years, Basic. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline Gerber- *Guaranteed Issue Guarantee Trust Life- *If treated within 2 years, Decline Liberty Bankers- *If treated within 3 years, Modified. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Modified. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Modified Mutual of Omaha (Living Promise)- *If treated within 2 years, Decline. *If treated between 2 and 4 years ago, Graded. *If "Has the prospect ever had recurrent cancer (excluding basal cell skin cancer) of the same type?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Has the prospect ever had metastatic cancer?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline Royal Neighbors (Ensured Legacy)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Guaranteed Issue. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Guaranteed Issue SBLI (Living Legacy)- *If treated within 6 months, Decline. *If treated between 6 months and 3 years ago, Modified. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline UHL- *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, EIWL
AMPUTATION DUE TO DIABETES Corebridge (GIWL)- *Guaranteed Issue Gerber- *Guaranteed Issue Royal Neighbors (Ensured Legacy)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Guaranteed Issue SBLI (Living Legacy)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline UHL- *Premier
AMPUTATION DUE TO NON-DIABETIC DISEASE Corebridge (SIWL)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline Corebridge (GIWL)- *Guaranteed Issue Foresters (PlanRight)- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline Guarantee Trust Life- *Graded Liberty Bankers- *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Modified Mutual of Omaha (Living Promise)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Royal Neighbors (Ensured Legacy)- *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Guaranteed Issue SBLI (Living Legacy)- *If treated within 3 years, Modified. *If "Is the prospect confined to a wheelchair or motorized mobility device?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline UHL- *Premier
ANEURYSM (ABDOMINAL) Aflac (Final Expense)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard American Amicable (Family Choice)- *If treated within 3 years, ROP American Amicable (Senior Choice)- *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Corebridge (SIWL)- *If treated within 2 years, SimpliNow Legacy Corebridge (GIWL)- *Guaranteed Issue CVS (Aetna Accendo)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *If treated within 2 years, Basic Gerber- *Guaranteed Issue Guarantee Trust Life- *Graded Liberty Bankers- *If treated within 2 years, Modified Mutual of Omaha (Living Promise)- *Level Royal Neighbors (Ensured Legacy)- *If treated within 1 year, Graded. *If treated between 1 and 10 years ago, Standard SBLI (Living Legacy)- *If treated within 2 years, Modified Transamerica (Express)- *Select Transamerica (Solutions)- *Preferred UHL- If treated within 2 years, EIWL
ANEURYSM (CEREBRAL) Aflac (Final Expense)- *If treated within 1 year, Modified. If treated between 1 and 2 years ago, Standard American Amicable (Family Choice)- *If treated within 3 years, ROP American Amicable (Senior Choice)- *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Corebridge (SIWL)- *If diagnosed within 6 months, Decline Corebridge (GIWL)- *Guaranteed Issue CVS (Aetna Accendo)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *If treated within 2 years, Basic Gerber- *Guaranteed Issue Guarantee Trust Life- *Graded Liberty Bankers- *If treated within 2 years, Modified Mutual of Omaha (Living Promise)- *If treated within 2 years, Graded Royal Neighbors (Ensured Legacy)- *If treated within 1 year, Graded. *If treated between 1 and 10 years ago, Standard SBLI (Living Legacy)- *If treated within 2 years, Modified Transamerica (Express)- *Select Transamerica (Solutions)- *Preferred UHL- *If treated within 2 years, EIWL
ANEURYSM (THORACIC AORTIC) Aflac (Final Expense)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard American Amicable (Family Choice)- *If treated within 3 years, ROP American Amicable (Senior Choice)- *If treated within 2 years, ROP. If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Corebridge (SIWL)- *If treated within 2 years, SimpliNow Legacy Corebridge (GIWL)- *Guaranteed Issue CVS (Aetna Accendo)- *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *If treated within 2 years, Basic Gerber- *Guaranteed Issue Guarantee Trust Life- *Graded Liberty Bankers- *If treated within 2 years, Modified Mutual of Omaha (Living Promise)- *Level Royal Neighbors (Ensured Legacy)- *If treated within 1 year, Graded. *If treated between 1 and 10 years ago, Standard SBLI (Living Legacy)- *If treated within 2 years, Modified Transamerica (Express)- *Select Transamerica (Solutions)- *Preferred UHL- *If treated within 2 years, EIWL
ANXIETY DISORDER Aflac (Final Expense)- *Preferred American Amicable (Family Choice)- *Immediate American Amicable (Senior Choice)- *Immediate American Home Life (Patriot Series)- *Preferred Corebridge (SIWL)- *SimpliNow Legacy Max CVS (Aetna Accendo)- *Preferred Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *Preferred Guarantee Trust Life- *Graded Liberty Bankers- *Preferred Mutual of Omaha (Living Promise) *Level Royal Neighbors (Ensured Legacy)- *Preferred SBLI (Living Legacy)- *Preferred Transamerica (Express)- *Select Transamerica (Solutions)- *Preferred UHL- *Premier
ASTHMA Aflac (Final Expense)- *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline. *If "Has the prospect ever used an inhaler to manage this condition?" answered "Yes" , Standard Corebridge (SIWL)- *SimpliNow Legacy Max American Amicable (Family Choice)- *Immediate American Amicable (Senior Choice)- *Immediate American Home Life (Patriot Series)- *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline. *If "Has the prospect ever used an inhaler to manage this condition?" answered "Yes" , Standard Corebridge (SIWL)- *SimpliNow Legacy Max Corebridge (GIWL)- *Guaranteed Issue CVS (Aetna Accendo)- *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline. *If "Has the prospect ever used an inhaler to manage this condition?" answered "Yes" , Standard. Foresters (BrightFuture)- *Approved Foresters (PlanRight)- *Preferred Guarantee Trust Life- *Graded Liberty Bankers- *If treated within 2 years, Preferred. *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Standard Mutual of Omaha (Living Promise)- *Mild LEVEL * Chronic Graded Royal Neighbors (Ensured Legacy)- *If treated within 10 years, Standard SBLI (Living Legacy)- *Preferred Transamerica (Express)- *Select Transamerica (Solutions)- *If "Does the prospect use a daily inhaler to manage this condition?" answered "Yes" , Standard UHL- *If treated within 2 years, EIWL
BIPOLAR DISORDER Aflac (Final Expense)- *Preferred American Amicable (Senior Choice)- *Immediate American Home Life (Patriot Series)- *Preferred Corebridge (SIWL)- *If treated within 4 years, SimpliNow Legacy CVS (Aetna Accendo)- *Preferred Foresters (PlanRight)- *Preferred Guarantee Trust Life- *Graded Liberty Bankers- *Preferred Mutual of Omaha (Living Promise)- *If treated within 4 years, Graded Royal Neighbors (Ensured Legacy)- *If diagnosed within 1 year, Graded. *If diagnosed between 1 and 100 years ago, Standard SBLI (Living Legacy)- *If treated within 2 years, Standard Transamerica (Express)- *Select Transamerica (Solutions)- *If younger than 17, Decline UHL- *If treated within 2 years, Deluxe
CANCER (excluding basal/squamous cell skin cancer) Aflac (Final Expense) *If treated within 2 years, Decline. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline American Amicable (Family Choice) *If treated within 5 years, Decline American Amicable (Senior Choice) *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded. *If "Has the prospect ever had cancer more than once?" answered "Yes" , ROP American Home Life (Patriot Series) *If treated within 2 years, Decline. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline Corebridge (SIWL) *SimpliNow Legacy Max. *If treated within 2 years, Decline. *If "Did the cancer progress to a stage beyond stage 1?" answered "Yes" , SimpliNow Legacy Max. *If "Has the prospect ever had recurrent cancer (excluding basal cell skin cancer) of the same type?" answered "Yes" , Decline. *If "Has the prospect ever had metastatic cancer?" answered "Yes" , Decline. *If "Was the type of cancer either breast, cervical, colon, endometrial, kidney/ureter, melanoma, prostate, testicular, or thyroid?" answered "Yes" , SimpliNow Legacy Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Decline. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline Foresters (PlanRight) *If treated within 3 years, Basic. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline Gerber *Guaranteed Issue Guarantee Trust Life *If treated within 2 years, Decline. *If treated within 2 years, Graded Liberty Bankers *If treated within 3 years, Modified. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline Mutual of Omaha (Living Promise) *If treated within 2 years, Decline. *If treated between 2 and 4 years ago, Graded. *If "Has the prospect ever had metastatic cancer?" answered "Yes" , Decline. *If "Has the prospect ever had recurrent cancer (excluding basal cell skin cancer) of the same type?" answered "Yes" , Decline Royal Neighbors (Ensured Legacy) *If treated within 2 years, Guaranteed Issue. *If treated between 2 and 5 years ago, Graded. *If treated between 5 and 10 years ago, Standard. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Guaranteed Issue SBLI (Living Legacy) *If treated within 6 months, Decline. *If treated between 6 months and 3 years ago, Modified Transamerica (Express) *If treated within 2 years, Decline. *If treated between 2 and 4 years ago, Graded. *If "Has the prospect ever had metastatic cancer?" answered "Yes" , Decline. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline Transamerica (Solutions) *If treated within 2 years, Decline. *If "Has the prospect ever had cancer more than once?" answered "Yes" , Decline. *If "Has the prospect ever had metastatic cancer?" answered "Yes" , Decline. *If younger than 17, Decline UHL *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, EIWL
CONGESTIVE HEART FAILURE (CHF) Corebridge (GIWL) *Guaranteed Issue Gerber *Guaranteed Issue Guarantee Trust Life *Graded Royal Neighbors (Ensured Legacy) *Guaranteed Issue SBLI (Living Legacy) *If treated within 2 years, Modified Transamerica (Express) *Select Transamerica (Solutions) *If younger than 17, Decline UHL *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, EIWL
CARDIOMYOPATHY Aflac (Final Expense) *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard American Amicable (Senior Choice) *ROP American Home Life (Patriot Series) *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Corebridge (SIWL) *SimpliNow Legacy Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Mutual of Omaha (Living Promise) *If treated within 2 years, Graded Royal Neighbors (Ensured Legacy) *If diagnosed within 2 years, Graded. *If diagnosed between 2 and 100 years ago, Standard SBLI (Living Legacy) *If treated within 2 years, Modified Transamerica (Express) *Graded Transamerica (Solutions) *Preferred UHL *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, EIWL
COPD Aflac (Final Expense) *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline American Amicable (Family Choice) *If treated within 3 years, ROP American Amicable (Senior Choice) *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series) *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline Corebridge (SIWL) *If treated within 2 years, SimpliNow Legacy. *If paired with tobacco, Decline Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline Foresters (PlanRight) *Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If paired with tobacco, Modified Mutual of Omaha (Living Promise) *Graded Royal Neighbors (Ensured Legacy) *If paired with tobacco, Graded SBLI (Living Legacy) *If treated within 5 years, Standard Transamerica (Express) *Select Transamerica (Solutions) *Standard UHL *If treated within 2 years, EIWL
CIRRHOSIS (Stage A, B, C) Aflac (Final Expense) *If treated within 2 years, Modified American Amicable (Family Choice) *ROP American Amicable (Senior Choice) *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Modified Foresters (BrightFuture) *Approved Foresters (PlanRight) *Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Modified Royal Neighbors (Ensured Legacy) *Guaranteed Issue Transamerica (Express) *Graded Transamerica (Solutions) *Standard UHL *If treated within 2 years, EIWL
DEFIBRILLATOR Aflac (Final Expense) *If implanted within 1 year, Modified. *If implanted between 1 and 2 years ago, Standard American Amicable (Senior Choice) *If implanted within 2 years, ROP. *If implanted between 2 and 3 years ago, Graded Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If implanted within 1 year, Modified. *If implanted between 1 and 2 years ago, Standard Gerber *Guaranteed Issue Foresters (PlanRight) *If implanted within 1 year, Basic. *If implanted between 1 and 2 years ago, Standard Guarantee Trust Life *If implanted within 2 years, Decline Royal Neighbors (Ensured Legacy) *Guaranteed Issue SBLI (Living Legacy) *Modified Transamerica (Solutions) *Preferred UHL *If implanted within 1 year, Decline. *If implanted between 1 and 2 years ago, EIWL
DEMENTIA Corebridge (GIWL) *Guaranteed Issue Gerber *Guaranteed Issue Royal Neighbors (Ensured Legacy) *Guaranteed Issue
DEPRESSION Aflac (Final Expense) *Preferred American Amicable (Family Choice) *Immediate American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *SimpliNow Legacy Max CVS (Aetna Accendo) *Preferred Foresters (PlanRight) *Preferred Guarantee Trust Life *Graded Liberty Bankers *Preferred Mutual of Omaha (Living Promise) *If "Major depressive disorder?" answered "Yes" , Graded Royal Neighbors (Ensured Legacy) *Preferred SBLI (Living Legacy) *Preferred Transamerica (Express) *Select Transamerica (Solutions) *If younger than 17, Decline UHL *Premier
DIABETES Aflac (Final Expense) *Preferred American Amicable (Family Choice) *If diagnosed prior to age 20, Decline. *If "Insulin use?" answered "Yes" , Decline. *If diagnosed prior to age 38, ROP American Amicable (Senior Choice) *If "Insulin use?" answered "Yes" , Immediate. *If diagnosed prior to age 49, ROP American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *If "Was the prospect's most recent a1c reading less than 8.6%?" answered "Yes" , SimpliNow Legacy Max. *If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "No" , Decline. *If "Insulin use?" answered "Yes" , SimpliNow Legacy. *If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "Yes" , SimpliNow Legacy CVS (Aetna Accendo) *Preferred Foresters (PlanRight) *Preferred Guarantee Trust Life *Graded Liberty Bankers *If "Uncontrolled diabetes in the past 2 years?" answered "Yes" , Decline. *If diagnosed prior to age 9, Decline. *If "Insulin use?" answered "Yes" , Standard Mutual of Omaha (Living Promise) *If diagnosed prior to age 44, Graded Royal Neighbors (Ensured Legacy) *If "Insulin use?" answered "Yes" , Standard SBLI (Living Legacy) *Preferred Transamerica (Express) *Select Transamerica (Solutions) *If younger than 17, Decline UHL *If treated within 2 years, Premier. *If "Insulin use?" answered "Yes" , Deluxe
DIABETES WITH COMPLICATIONS Aflac (Final Expense) *If treated within 2 years, Modified American Amicable (Senior Choice) *ROP American Home Life (Patriot Series) *If treated within 2 years, Modified Corebridge (SIWL) *NEPHROPATHY (KIDNEY) If treated within 4 years, SimpliNow Legacy. If "Was the prospect's most recent a1c reading between the levels of 8%-8.6%?" answered "Yes" , SimpliNow Legacy Max. If "Was the prospect's most recent a1c reading less than 8%?" answered "Yes" , SimpliNow Legacy Max. If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "No" , Decline. If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "Yes" , SimpliNow Legacy *NEUROPATHY (NERVES) If "Was the prospect's most recent a1c reading between the levels of 8%-8.6%?" answered "Yes" , SimpliNow Legacy Max. If "Was the prospect's most recent a1c reading less than 8%?" answered "Yes" , SimpliNow Legacy Max. If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "No" , Decline. If "Insulin use?" answered "Yes" , SimpliNow Legacy. If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "Yes" , SimpliNow Legacy *RETINOPATHY (EYES) If "Was the prospect's most recent a1c reading between the levels of 8%-8.6%?" answered "Yes" , SimpliNow Legacy Max. If "Was the prospect's most recent a1c reading less than 8%?" answered "Yes" , SimpliNow Legacy Max. If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "No" , Decline. If "Was the prospect's most recent a1c reading between the levels of 8.7%-9.9%?" answered "Yes" , SimpliNow Legacy Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Modified Gerber *Guaranteed Issue Foresters (PlanRight) *Basic Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Modified Mutual of Omaha (Living Promise) *Graded Royal Neighbors (Ensured Legacy) *If NEUROPATHY (NERVE) OR RETINOPATHY (EYES), If "Insulin use?" answered "Yes" , Graded *If NEPHROPATHY (KIDNEY), treated within 10 years, Graded SBLI (Living Legacy) *Modified Transamerica (Express) *Select Transamerica (Solutions) *If younger than 17, Decline UHL *If treated within 2 years, EIWL
DUI Aflac (Final Expense) *If treated within 2 years, Modified American Amicable (Family Choice) *If treated within 2 years, Decline American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *If treated within 2 years, Modified Corebridge (SIWL) *If treated within 2 years, Decline Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Modified Gerber *Guaranteed Issue Foresters (BrightFuture) *Approved Foresters (PlanRight) *Preferred Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Modified Mutual of Omaha (Living Promise) *If treated within 2 years, Level. *If "More than 1 dui conviction in the past 2 years?" answered "Yes" , Graded Royal Neighbors (Ensured Legacy) *Preferred SBLI (Living Legacy) *If treated within 3 years, Modified Transamerica (Express) *If treated within 2 years, Graded Transamerica (Solutions) *If treated within 2 years, Decline. *If treated between 2 and 4 years ago, Graded. *If treated between 4 and 10 years ago, Standard. *If younger than 17, Decline UHL *If treated within 2 years, Deluxe
EMPHYSEMA Aflac (Final Expense) *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline American Amicable (Family Choice) *If treated within 3 years, ROP American Amicable (Senior Choice) *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series) *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline Corebridge (SIWL) *If treated within 2 years, SimpliNow Legacy. *If paired with tobacco, Decline CVS (Aetna Accendo) *If "Does the proposed insured use a nebulizer to take any inhaled medication?" answered "Yes" , Decline Foresters (PlanRight) *Standard Guarantee Trust Life *Graded Liberty Bankers *If paired with tobacco, Modified Mutual of Omaha (Living Promise) *Graded Royal Neighbors (Ensured Legacy) *If paired with tobacco, Graded SBLI (Living Legacy) *If treated within 5 years, Standard Transamerica (Express) *Select Transamerica (Solutions) *Standard UHL *If treated within 2 years, EIWL
FELONY Aflac (Final Expense) *Preferred American Amicable (Family Choice) *If within 2 years, Decline American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *If within 2 years, Decline Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *Preferred Foresters (BrightFuture) *Approved Foresters (PlanRight) *Preferred Guarantee Trust Life *Graded Liberty Bankers *If within 2 years, Modified. *If "Currently on parole or probation?" answered "Yes" , Modified Mutual of Omaha (Children's Whole Life) *Approved Mutual of Omaha (Living Promise) *If within 2 years, Graded Royal Neighbors (Ensured Legacy) *Guaranteed Issue SBLI (Living Legacy) *If within 5 years, Decline Transamerica (Express) *If within 2 years, Decline Transamerica (Solutions) *If within 3 years, Decline. *If between 3 and 5 years ago, Graded. *If between 5 and 10 years ago, Standard. *If younger than 17, Decline UHL *If within 7 years, EIWL. *If "Currently on parole or probation?" answered "Yes" , EIWL
HEART ATTACK Aflac (Final Expense) *If within 1 year, Modified. *If between 1 and 2 years ago, Standard American Amicable (Senior Choice) *If within 2 years, ROP. *If between 2 and 3 years ago, Graded American Home Life (Patriot Series) *If within 1 year, Modified. *If between 1 and 2 years ago, Standard Corebridge (SIWL) *If within 6 months, Decline. *If between 6 months and 2 years ago, SimpliNow Legacy. *If paired with tobacco, Decline Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If within 1 year, Modified. *If between 1 and 2 years ago, Standard Gerber *Guaranteed Issue Foresters (PlanRight) *If within 1 year, Basic. *If between 1 and 2 years ago, Standard Guarantee Trust Life *Graded Liberty Bankers *If within 2 years, Modified Mutual of Omaha (Living Promise) *If within 1 year, Decline. *If between 1 and 2 years ago, Graded Royal Neighbors (Ensured Legacy) *If within 2 years, Graded. *If between 2 and 10 years ago, Standard SBLI (Living Legacy) *If within 2 years, Modified Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *If within 1 year, Decline. *If between 1 and 2 years ago, EIWL
HEPATITIS *Aflac (Final Expense) If treated within 2 years, Modified American Amicable (Family Choice) *HEP A, If Cured, Immediate *HEP A, If Chronic, not cured, ROP *HEP B & C, ROP American Amicable (Senior Choice) *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series) *If treated within 2 years, Modified Corebridge (SIWL) *SimpliNow Legacy Max Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Modified Gerber *Guaranteed Issue Foresters (BrightFuture) *Approved Foresters (PlanRight) *Standard Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Modified Mutual of Omaha (Living Promise) *HEP A & B, Level *HEP C, Graded Royal Neighbors (Ensured Legacy) *HEP-A, Preferred *HEP-B & C, If treated within 10 years, Standard SBLI (Living Legacy) *HEP A,B, & C, If treated within 5 years, Standard *HEP A, B, & C, If treated 5 years plus, Preferred Transamerica (Express) *Select Transamerica (Solutions) *Standard UHL *Premier *HEP B, if treated within 2 years, EIWL
HIV Corebridge (GIWL) *Guaranteed Issue Gerber *Guaranteed Issue Royal Neighbors (Ensured Legacy) *Graded UHL *If treated within 5 years, Decline
HOSPICE Corebridge (GIWL) *Guaranteed Issue Gerber *Guaranteed Issue Royal Neighbors (Ensured Legacy) *Graded
HIGH BLOOD PRESSURE Aflac (Final Expense) *Preferred American Amicable (Family Choice) *ROP American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *SimpliNow Legacy Max CVS (Aetna Accendo) *Preferred Foresters (BrightFuture) *Approved Foresters (PlanRight) *Preferred Guarantee Trust Life *Graded Liberty Bankers *Controlled, Preferred *Uncontrolled within last 2 years, Decline. *Pulmonary, if treated within 5 years, Decline Mutual of Omaha (Living Promise) *Level Royal Neighbors (Ensured Legacy) *Preferred SBLI (Living Legacy) *Preferred Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *Premier
KIDNEY DIALYSIS Aflac (Final Expense) *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, Modified American Home Life (Patriot Series) *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, Modified Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, Modified Gerber *Guaranteed Issue Foresters (PlanRight) *If treated within 1 year, Decline. *If treated more than 1 year ago, Standard Guarantee Trust Life *If treated within 2 years, Decline Royal Neighbors (Ensured Legacy) *Guaranteed Issue SBLI (Living Legacy) *If treated within 5 years, Standard. *If currently, Decline Transamerica (Express) *If treated within 1 year, Graded Transamerica (Solutions) *Standard UHL *If treated within 2 years, EIWL. *If currently, Decline
KIDNEY DISEASE / FAILURE Aflac (Final Expense) *If treated within 2 years, Modified American Amicable (Family Choice) *Immediate *Stage 3-5, Decline *Kidney Failure (ESRD), Decline American Amicable (Senior Choice) *ROP American Home Life (Patriot Series) *If treated within 2 years, Modified Corebridge (SIWL) *If treated within 4 years, SimpliNow Legacy *Stage 3-4, Decline *Kidney Failure (ESRD), Decline Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Modified Gerber *Guaranteed Issue Foresters (PlanRight) *Standard Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Modified *Stage 4-5, Decline *Kidney Failure (ESRD), Decline Mutual of Omaha (Living Promise) *If treated within 4 years, Graded *Stage 4-5, Decline *Kidney Failure (ESRD), Decline Royal Neighbors (Ensured Legacy) *If diagnosed within 1 year, Guaranteed Issue. *If diagnosed between 1 and 100 years ago, Graded SBLI (Living Legacy) *If treated within 5 years, Standard Transamerica (Express) *Select *Stage 5, Graded *Kidney Failure (ESRD), Graded Transamerica (Solutions) *Standard UHL *If treated within 2 years, EIWL
LIVER DISEASE / FAILURE Aflac (Final Expense) *If treated within 2 years, Modified American Amicable (Family Choice) *ROP *Liver Failure, Decline American Amicable (Senior Choice) *If treated within 3 years, Graded. *If "Cirrhosis of the liver?" answered "Yes" , ROP *Liver Failure, Decline American Home Life (Patriot Series) *If treated within 2 years, Modified *Liver Failure, Decline Corebridge (SIWL) *If "Cirrhosis of the liver?" answered "Yes" , Decline Corebrige (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 2 years, Modified Foresters (BrightFuture) *Approved *Liver Failure, Decline Foresters (PlanRight) *Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Standard. *If "Cirrhosis of the liver?" answered "Yes" , Modified Mutual of Omaha (Living Promise) *If "Cirrhosis of the liver?" answered "Yes" , Decline Royal Neighbors (Ensured Legacy) *Preferred *Liver Failure, Guaranteed Issue SBLI (Living Legacy) *If "Cirrhosis of the liver?" answered "Yes" , Decline Transamerica (Express) *Select *Liver Failure, Graded Transamerica (Solutions) *Standard UHL *If treated within 2 years, EIWL
LUPUS Aflac (Final Expense) * Non-Systemic Lupus, Preferred *Systemic Lupus, Standard American Amicable (Family Choice) *Non-Systemic Lupus, Immediate *Systemic Lupus, Decline American Amicable (Senior Choice) *Non-Systemic Lupus, Immediate *Systemic Lupus, If treated within 2 years, ROP American Home Life (Patriot Series) *Non-Systemic Lupus, Preferred *Systemic Lupus, Standard Corebridge (SIWL) *If treated within 4 years, SimpliNow Legacy Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *Non-Systemic Lupus, Preferred *Systemic Lupus, Standard Foresters (BrightFuture) *Approved Foresters (PlanRight) *Non-Systemic Lupus, Preferred *Systemic Lupus, Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *Non-Systemic Lupus, Preferred *Systemic Lupus, if treated within 2 years, Modified Mutual of Omaha (Living Promise) *Non-Systemic Lupus, Level *Systemic Lupus, if treated within 4 years, Graded Royal Neighbors (Ensured Legacy) *Non-Systemic Lupus, Preferred *Systemic Lupus, Guaranteed Issue SBLI (Living Legacy) *Non-Systemic Lupus, Preferred *Systemic Lupus, if treated within 5 years, Standard Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *Non-Systemic Lupus, Premier *Systemic Lupus, If treated within 2 years, Deluxe
MEMORY LOSS Aflac (Final Expense) *Preferred American Amicable (Family Choice) *Immediate American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *SimpliNow Legacy Max Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *Preferred Gerber *Guaranteed Issue Guarantee Trust Life *If currently, Decline Royal Neighbors (Ensured Legacy) *Guaranteed Issue SBLI (Living Legacy) *Preferred UHL *Premier
NURSING HOME Aflac (Final Expense) *If currently, Decline Corebridge (SIWL) *If currently, Decline Corebridge (GIWL) *Guaranteed Issue American Amicable (Family Choice) *If treated within 1 year, Decline American Amicable (Senior Choice) *If currently, Decline American Home Life (Patriot Series) *If currently, Decline CVS (Aetna Accendo) *If currently, Decline Foresters (BrightFuture) *Approved Foresters (PlanRight) *If currently, Decline Guarantee Trust Life *If currently, Decline Liberty Bankers *If treated within 1 year, Decline Mutual of Omaha (Living Promise) *If currently, Decline Royal Neighbors (Ensured Legacy) *If currently, Guaranteed Issue SBLI (Living Legacy) *If treated within 5 years, Decline Transamerica (Express) *If currently, Decline Transamerica (Solutions) *If treated within 1 year, Standard. *If currently, Decline UHL *If currently, Decline
PACEMAKER Aflac (Final Expense) *If implanted within 1 year, Modified. *If implanted between 1 and 2 years ago, Standard American Amicable (Senior Choice) *If implanted within 2 years, ROP American Home Life (Patriot Series) *If implanted within 1 year, Modified. *If implanted between 1 and 2 years ago, Standard Corebridge (SIWL) *If implanted within 2 years, SimpliNow Legacy Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If implanted within 1 year, Modified. *If implanted between 1 and 2 years ago, Standard Foresters (PlanRight) *If implanted within 1 year, Basic. *If implanted between 1 and 2 years ago, Standard Guarantee Trust Life *Graded Liberty Bankers *If implanted within 2 years, Modified Mutual of Omaha (Living Promise) *If implanted within 1 year, Decline. *If implanted more than 1 year ago, Graded Royal Neighbors (Ensured Legacy) *If implanted within 1 year, Graded. *If implanted between 1 and 10 years ago, Standard SBLI (Living Legacy) *Modified Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *If implanted within 1 year, Decline. *If implanted between 1 and 2 years ago, EIWL
PAROLE / PROBATION Aflac (Final Expense) *Preferred American Amicable (Family Choice) *If treated within 1 year, Decline American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *SimpliNow Legacy Max Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *Preferred Foresters (BrightFuture) *Approved Foresters (PlanRight) *Preferred Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Modified Mutual of Omaha (Living Promise) *Level Royal Neighbors (Ensured Legacy) *Preferred SBLI (Living Legacy) *If "Has the prospect been confined to prison or a correctional facility within the last 5 years?" answered "Yes" , Decline Transamerica (Express) *Select Transamerica (Solutions) *If treated within 2 years, Decline UHL *If currently, EIWL
PTSD Aflac (Final Expense) *Preferred American Amicable (Family Choice) *Immediate American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *SimpliNow Legacy Max CVS (Aetna Accendo) *Preferred Foresters (BrightFuture) *Approved Foresters (PlanRight) *Preferred Guarantee Trust Life *Graded Liberty Bankers *Preferred Mutual of Omaha (Living Promise) *Level Royal Neighbors (Ensured Legacy) *Preferred SBLI (Living Legacy) *Preferred Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *Premier
NEUROPATHY (NON-DIABETIC) Aflac (Final Expense) *Preferred American Amicable (Family Choice) *Immediate American Amicable (Senior Choice) *Immediate American Home Life (Patriot Series) *Preferred Corebridge (SIWL) *SimpliNow Legacy Max Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *Preferred Foresters (BrightFuture) *Approved Foresters (PlanRight) *Preferred Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *Preferred Mutual of Omaha (Living Promise) *Level Royal Neighbors (Ensured Legacy) *Preferred SBLI (Living Legacy) *Preferred Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *If treated within 2 years, EIWL
STENT Aflac (Final Expense) *If placement within 1 year, Modified. *If placement between 1 and 2 years ago, Standard American Amicable (Senior Choice) *If placement within 2 years, ROP. *If placement between 2 and 3 years ago, Graded American Home Life (Patriot Series) *If placement within 1 year, Modified. *If placement between 1 and 2 years ago, Standard Corebridge (SIWL) *If placement within 6 months, Decline. *If placement between 6 months and 2 years ago, SimpliNow Legacy. *If paired with tobacco, Decline *If OTHER THAN HEART OR BRAIN, SimpliNow Legacy Max Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If placement within 1 year, Modified. *If placement between 1 and 2 years ago, Standard Foresters (PlanRight) *If placement within 1 year, Basic. *If placement between 1 and 2 years ago, Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If placement within 2 years, Modified Mutual of Omaha (Living Promise) *If placement within 1 year, Decline. *If placement between 1 and 2 years ago, Graded *If OTHER THAN HEART OR BRAIN, Level Royal Neighbors (Ensured Legacy) *If placement within 2 years, Graded. *If placement between 2 and 10 years ago, Standard SBLI (Living Legacy) *If placement within 2 years, Modified Transamerica (Express) *Select Transamerica (Solutions) *Preferred UHL *If placement within 1 year, Decline. *If placement between 1 and 2 years ago, EIWL
STROKE / (TIA) TRANSIENT ISCHEMIC ATTACK / MINI-STROKE Aflac (Final Expense) *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard American Amicable (Senior Choice) *If treated within 2 years, ROP. *If treated between 2 and 3 years ago, Graded American Home Life (Patriot Series) *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Corebridge (SIWL) *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, SimpliNow Legacy *If TIA / MINI-STROKE, if treated within 6 months, Decline. If "Has the prospect had more than 1 stroke in their lifetime?" answered "Yes" , Decline Corebridge (GIWL) *Guaranteed Issue CVS (Aetna Accendo) *If treated within 1 year, Modified. *If treated between 1 and 2 years ago, Standard Foresters (BrightFuture) *Approved Foresters (PlanRight) *If treated within 1 year, Basic. *If treated between 1 and 2 years ago, Standard Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If STROKE, treated within 2 years, Modified *If TIA / MINISTROKE, if treated within 2 years, Standard Mutual of Omaha (Living Promise) *If treated within 2 years, Graded Royal Neighbors (Ensured Legacy) *If treated within 1 year, Graded. *If treated between 1 and 10 years ago, Standard SBLI (Living Legacy) *If treated within 2 years, Modified Transamerica (Express) *Select Transamerica (Solutions) *Standard UHL *If treated within 1 year, Decline. *If treated between 1 and 2 years ago, EIWL
WHEELCHAIR American Amicable (Family Choice) *If CONFINED, Decline *If NOT CONFINED, If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline American Amicable (Senior Choice) *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Due to chronic illness or disease?" answered "Yes" , Decline *If NOT CONFINED, If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. Corebridge (SIWL) *If "Due to chronic illness or disease?" answered "Yes" , Decline. If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Corebridge (GIWL) *Guaranteed Issue Foresters (BrightFuture) *Approved Foresters (PlanRight) *If CONFINED, Decline *If NOT CONFINED, if "Due to chronic illness or disease?" answered "Yes" , Decline. If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Gerber *Guaranteed Issue Guarantee Trust Life *Graded Liberty Bankers *If treated within 2 years, Preferred. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline. *If "Due to chronic illness or disease?" answered "Yes" , Modified Mutual of Omaha (Living Promise) *If CONFINED, Decline *If NOT CONFINED, If "Use required due to fractures or bone/joint surgery?" answered "No" , Decline. If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Royal Neighbors (Ensured Legacy) *If CONFINED, Guaranteed Issue *If NOT CONFINED, if currently, Standard SBLI (Living Legacy) *If "Due to chronic illness or disease?" answered "Yes" , Decline. *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline Transamerica (Express) *If CONFINED, if treated within 1 year, Graded *If NOT CONFINED, If "Will use exceed 3 months, or is the use due to a reason other than injury/surgery?" answered "Yes" , Decline Transamerica (Solutions) *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Graded UHL *If "Does the proposed insured need help with any activities of daily living (adls)?" answered "Yes" , Decline