Final Expense Underwriting Grid

PART A QUESTIONS

AIDS or ARC+

CFG Diginified Choice ever diagnosed or treated for (also HIV & an Immune Deficiency Disorder)	Decline If
Foresters Plan Right ever tested positive or diagnosed (also HIV & other sickness/cond derived from such infection)	Decline If
MOO Term Living Promise ever had or been treated for, also HIV	Decline If
Transamerica Solutions ever tested positive or diagnosed (also HIV)	Decline If
Phoenix Remembrance ever, also HIV	Decline If
Great Western OK ages 40-80	OK

Alzheimers/dementia/Lou Gehrigs (ALS)+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right ever diagnosed, received or advised treatment/med including Aricept, Cognex, Donepezil, Exelon, Razadyne or Namenda	Decline If
MOO Term Living Promise ever had/treated for/advised treatment, Huntington’s disease & Myelodysplastic syndrome (MDS) also	Decline If
Transamerica Solutions ever tested positive or diagnosed (also HIV)	Decline If
Phoenix Remembrance ever diagnosed or rec’d treatment/meds for (also organic brain disease, mental incapacity, memory loss)	Decline If
Great Western OK ages 40-80	OK

amputation+

CFG Diginified Choice ever due to disease	Decline If
Foresters Plan Right due to complications of diabetes	Decline If
MOO Term Living Promise ever due to diabetic complications, quadriplegia & paraplegia	Decline If
Transamerica Solutions ever advised to have due to disease or disorder (also diabetic coma)	Decline If
Phoenix Remembrance due to disease within 1 yr or otherwise is decline. Due to injury is OK.	Decline If
Great Western OK ages 40-80	OK

aneurysm+

CFG Diginified Choice In Part B Questions	Check application
Foresters Plan Right In Part B Questions	Check application
MOO Term Living Promise N/A	OK
Transamerica Solutions In Part B Questions	Check application
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

any cancer (other than basal cell skin)+

CFG Diginified Choice 24 mo diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right currently have or ever had/diagnosed with more than 1 occurrence of the same or different type of cancer	Decline If
MOO Term Living Promise ever, metastatic cancer or recurrent cancer of the same type & past 2 yrs any cancer	Decline If
Transamerica Solutions 2-4 yrs (depending on state) diagnosed, treated or advised to rec treatmt	Decline If
Phoenix Remembrance If diagnosis or treatment in the past 5 years (excluding basal cell carcinoma), also if ever diagnosed/treated/advised for more than one occurrence or cancer that has spread.	Decline If
Great Western OK ages 40-80	OK

Cerebral palsy+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right OK if all health questions on the app are answered No & depending on meds	Possibly OK
MOO Term Living Promise mild to moderate = OK, severe = decline	OK or Decline
Transamerica Solutions ever diagnosed or rec’d treatment/meds for (also Huntington’s)	Decline If
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

cirrhosis, hepatitis B or C or other liver disease+

CFG Diginified Choice In Part B Questions	Check application
Foresters Plan Right In Part B Questions	Check application
MOO Term Living Promise ever, cirrhosis only	OK or Decline
Transamerica Solutions in part B for age 45-85, if past 2 yrs for ages 0-44 for Hep C & tuberculosis (TB) only = decline	Check application
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

confined to wheelchair+

CFG Diginified Choice currently due to disease or chronic illness	Decline If
Foresters Plan Right currently due to chronic illness/disease or req assistance w/ADLs	Decline If
MOO Term Living Promise currently or electric scooter other than for fractures, bone or joint surgery, including replacement	Decline If
Transamerica Solutions in part B for ages 45-85, past 2 yrs used wheelchair or electric scooter (if temporary, provide further details). If ages 0-44 = decline	Graded or Decline
Phoenix Remembrance in past 12 mo, required use of a wheelchair due to chronic illness or disease	Decline If
Great Western OK ages 40-80	OK

congestive heart failure+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right ever diagnosed, received or advised treatment/med	Decline If
MOO Term Living Promise currently or electric scooter other than for fractures, bone or joint surgery, including replacement	Decline If
Transamerica Solutions in part B for age 45-85, if past 2 yrs for 0-44 = decline	Check application
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

Cystic fibrosis+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right N/A	OK
MOO Term Living Promise EVER	Decline If
Transamerica Solutions ever diagnosed or rec’d treatment/meds for (also Huntington’s)	Decline If
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

diabetes+

CFG Diginified Choice In part B Questions	Check application
Foresters Plan Right In part B Questions	Check application
MOO Term Living Promise ever – insulin shock or diabetic coma only	Decline If
Transamerica Solutions ever been in diabetic coma or had/advised to have an amputation due to disease or disorde	Decline If
Phoenix Remembrance Under age 30 is decline, also decline if in past 2 yrs diagnosed/treated/meds for diabetic coma, diabetic shock, amputation, eye or kidney problems due to complications.	Decline If
Great Western OK ages 40-80	OK

Down's syndrome+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for, also mental retardation	Decline If
Foresters Plan Right N/A	OK
MOO Term Living Promise EVER	Decline If
Transamerica Solutions ever diagnosed or rec’d treatment/meds for (also Huntington’s)	Decline If
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

drug or alcohol abuse+

CFG Diginified Choice In Part B Questions	Check application
Foresters Plan Right In Part B Questions	Check application
MOO Term Living Promise In Part B Questions	Check application
Transamerica Solutions in part B for age 45-85, if past 2 yrs for 0-44 (except marijuana) including prescription drugs = decline	Check application
Phoenix Remembrance in past 5 yrs any use/treatment	Decline If
Great Western OK ages 40-80	OK

heart attack, angina, had or been advised to have heart surgery including bypass & pacemaker+

CFG Diginified Choice 12 mo heart attack only diagnosed = Decline, 13-24 mo diagnosed = Graded	Decline or Graded
Foresters Plan Right In Part B Questions	Check application
MOO Term Living Promise past 12 mo – heart disease or heart surgery only	Decline If
Transamerica Solutions in part B for age 45-85, if past 2 yrs for 0-44 = decline	Check application
Phoenix Remembrance Ever, also heart disease, congestive heart failure, myocardial infraction, pulmonary hypertension, stent placement, transplant or valve replacement, coronary artery disease, cardiomyopathy, bundle branch block (LBBB), pacemaker, pulmonary fibrosis, pulmonary hypertension = decline. Atrial Fibrillation is OK if diagnosed over 2 yrs, no current treatment & current age 50+. Heart murmur is possible accept, call underwriting.	Decline If
Great Western OK ages 40-80	OK

heart/lung/liver/bone marrow transplant+

CFG Diginified Choice EVER	Decline If
Foresters Plan Right ever rec’d/advised organ or tissue transplant	Decline If
MOO Term Living Promise ever received or advised to receive	Decline If
Transamerica Solutions ever received or advised to receive (except corneal) also for ages 0-44 if received/advised for implanted defibrillator	Decline If
Phoenix Remembrance past 2 yrs, advised/treated/diagnosed/meds for organ transplant. All kidney/renal, liver, lung transplants are decline.	Decline If
Great Western OK ages 40-80	OK

height/weight+

CFG Diginified Choice Male over 350 or Female over 300	Decline If
Foresters Plan Right See height and weight chart in agent guide	Check Guide
MOO Term Living Promise See height and weight chart in agent guide	Check Guide
Transamerica Solutions age 45 to 85 N/A. age 0 to 44 see agent guide	See guide
Phoenix Remembrance See height and weight chart in agent guide	See guide
Great Western OK ages 40-80	OK

hospitalized, bedridden, in NH or LTC facility, rec'g hospice or home healthcare+

CFG Diginified Choice currently	Decline If
Foresters Plan Right currently	Decline If
MOO Term Living Promise currently	Decline If
Transamerica Solutions currently	Decline If
Phoenix Remembrance currently	Decline If
Great Western OK ages 40-80	OK

inpatient surgery+

CFG Diginified Choice N/A	OK
Foresters Plan Right 12 mo surgery, hospitalization or diagnostic test which hasn’t been started, completed or results unknown	Decline If
MOO Term Living Promise past 12 mo, also hospitalizaiton & diagnostic testing	Decline If
Transamerica Solutions past 2 yrs, been advised by dr or planning to have surgery, diagnostic testing other than routine, treatment, hospitalization or other procedure that hasn’t been completed	Decline If
Phoenix Remembrance past year, scheduled/advised to have any diagnostic tests or surgery not yet performed or results not received	Decline If
Great Western OK ages 40-80	OK

kidney dialysis+

CFG Diginified Choice 12 mo rec’d	Decline If
Foresters Plan Right 12 mo had	Decline If
MOO Term Living Promise ever, also end state renal disease	Decline If
Transamerica Solutions In part B Questions	Check application
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

Mental incapacity+

CFG Diginified Choice mental retardation	Decline If
Foresters Plan Right N/A	OK
MOO Term Living Promise EVER	Decline If
Transamerica Solutions EVER	Decline If
Phoenix Remembrance OK if highly functioning & living independently. Otherwise, decline.	OK or Decline
Great Western OK ages 40-80	OK

Mental retardation+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right N/A	OK
MOO Term Living Promise N/A	OK
Transamerica Solutions age 45-85: ever diagnosed or rec’d treatment/meds for (also Huntington’s). Ages 0-44: < age 6 is decline, age 6+ mild is preferred, all others is decline.	Decline If
Phoenix Remembrance highly functioning & living independently is OK. Otherwise, decline.	OK or Decline
Great Western OK ages 40-80	OK

Muscular dystrophy+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right N/A	OK
MOO Term Living Promise call underwriting,	Call underwriting,
Transamerica Solutions N/A	OK
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

organ/bone marrow transplant+

CFG Diginified Choice ever recommended by dr	Decline If
Foresters Plan Right ever rec’d/advised organ or tissue transplant	Decline If
MOO Term Living Promise ever received or advised to receive	Decline If
Transamerica Solutions ever received or advised to receive (except corneal) also for ages 0-44 if received/advised for implanted defibrillator	Decline If
Phoenix Remembrance past 2 yrs, advised/treated/diagnosed/meds for organ transplant. All kidney/renal, liver, lung transplants are decline.	Decline If
Great Western OK ages 40-80	OK

required assistance for bathing, dressing, eating, toileting, getting in/out chair/bed, mgt of bowel or bladder problems+

CFG Diginified Choice N/A	OK
Foresters Plan Right currently	Decline If
MOO Term Living Promise currently also assistance taking med	Decline If
Transamerica Solutions N/A	OK
Phoenix Remembrance currently	Decline If
Great Western OK ages 40-80	OK

Seizures+

CFG Diginified Choice N/A	OK
Foresters Plan Right N/A	OK
MOO Term Living Promise N/A	OK
Transamerica Solutions In Part B Questions	Check application
Phoenix Remembrance severe, diagnosed within last year or hospitalized within past 2 yrs	Decline If
Great Western OK ages 40-80	OK

Sickle cell anemia+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right N/A	OK
Moo Living Promise EVER	Decline If
Transamerica Solutions ever diagnosed or rec’d treatment/meds for (also Huntington’s)	Decline If
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

Spina bifida+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right N/A	OK
Moo Living Promise if minimal deformity	OK
Transamerica Solutions ever diagnosed or rec’d treatment/meds for (also Huntington’s)	Decline If
Phoenix Remembrance N/A	OK
Great Western OK ages 40-80	OK

stroke, TIA, any procedure to improve circulation to brain+

CFG Diginified Choice In Part B Questions	Check application
Foresters Plan Right In Part B Questions	Check application
Moo Living Promise In Part B Questions	Check application
Transamerica Solutions in part B for age 45-85, if past 2 yrs for 0-44 = decline	Check application
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

terminal+

CFG Diginified Choice diagnosed w/expected death w/in 12 mo	Decline If
Foresters Plan Right ever diagnosed/treatment, also any end-stage disease	Decline If
Moo Living Promise EVER	Decline If
Transamerica Solutions ever diagnosed, rec’d treatment or advised to rec treatmt (18 mo life expectancy on terminal)	Decline if
Phoenix Remembrance EVER	Decline If
Great Western OK ages 40-80	OK

testing for which results have not been rec'd+

CFG Diginified Choice N/A	OK
Foresters Plan Right 12 mo which hasn’t been started, completed or results unknown, also hospitalization	Decline If
Moo Living Promise past 12 mo	Decline If
Transamerica Solutions past 2 yrs	Decline if
Phoenix Remembrance past year, scheduled/advised to have any diagnostic tests or surgery not yet performed or results not received	Decline If
Great Western OK ages 40-80	OK

un-operated heart defects+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right N/A	OK
Moo Living Promise N/A	OK
Transamerica Solutions N/A	OK
Phoenix Remembrance N/A	OK
Great Western OK ages 40-80	OK

used oxygen to assist in breathing+

CFG Diginified Choice In Part B Questions	Check application (Graded)
Foresters Plan Right 1 yr used or advised to use excluding for sleep apnea	Decline If
Moo Living Promise currently excluding sleep apnea	Decline If
Transamerica Solutions in part B for age 45-85, if past 2 yrs for 0-44 including sleep apnea = decline	Check application
Phoenix Remembrance currently using	Decline If
Great Western OK ages 40-80	OK

PART B QUESTIONS

aneurysm+

CFG Diginified Choice 24 mo diagnosed	Decline If
Foresters Plan Right 2 yrs had/diagnosed, also brain tumor	Decline If
Moo Living Promise N/A	OK
Transamerica Solutions diagnosed, treated, treatmt in past 1 year = graded, 2 yrs = Std	Graded or Standard
Phoenix Remembrance In Part A, ever had	Check application
Great Western OK ages 40-80	OK

Brain tumor+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Decline If
Foresters Plan Right ever diagnosed/meds/advised	Modified or Graded
Moo Living Promise 4 yrs also bipolar depression	Graded
Transamerica Solutions N/A	OK
Phoenix Remembrance N/A	OK
Great Western OK ages 40-80	OK

cancer (other than basal cell)+

CFG Diginified Choice 2 yrs = decline; otherwise full benefit	Decline If
Foresters Plan Right 3 yrs diagnosed/treatmt including chemo or radiation	Modified or Graded
Moo Living Promise 4 yrs including Leukemia, Melanoma, any other internal	Graded
Transamerica Solutions diagnosed, treated, treatmt in past 4 years	Decline or Graded
Phoenix Remembrance In Part A – If diagnosis or treatment in the past 5 years (excluding basal cell carcinoma), also if ever diagnosed/treated/advised for more than one occurrence or cancer that has spread.	Decline If
Great Western OK ages 40-80	OK

N/A+

CFG Diginified Choice N/A	OK
Foresters Plan Right N/A	OK
Moo Living Promise 12 months	Graded
Transamerica Solutions diagnosed, treated, treatmt in past 4 years	Decline or Graded
Phoenix Remembrance N/A	OK
Great Western OK ages 40-80	OK

congestive heart failure+

CFG Diginified Choice ever diagnosed or rec’d treatment/meds for	Decline If
Foresters Plan Right In Part A Questions	Check applicationC
Moo Living Promise In Part A Questions	Check application
Transamerica Solutions diagnosed, treated, treatmt in past 1 year = graded, 2 yrs = Std	Graded or Standard
Phoenix Remembrance in Part A, ever	Decline
Great Western OK ages 40-80	OK

Convicted of a felony+

CFG Diginified Choice N/A	OK
Foresters Plan Right currently in correctional facility is decline	Decline If
Moo Living Promise 2 yrs, including currently awaiting trial	Decline If
Transamerica Solutions ages 0-44 only, if currently on parole or probation, or in past 2 yrs have been incarcerated, convicted of felony, misdemeanor, 2+ DUI/DWI or 3+ moving violations = decline. Provide details on app if in past 5 yrs	Decline If
Phoenix Remembrance in past 5 yrs or if currently on probation or parole	Decline If
Great Western OK ages 40-80	OK

Diabetes+

CFG Diginified Choice not under control with current treatment or used insulin for treatment prior to age 50	Decline If
Foresters Plan Right past 2 yrs, only complications of diabetes such as diabetic coma, insulin shock, retinopathy, nephropathy & neuropathy = Modified	OK
Moo Living Promise after age 50 is fine unless there are complications (retinopathy, nephropathy, neuropathy or peripheral vascular disease PVD or PAD). Complications at any age = graded	Full or Graded
Transamerica Solutions ages 45-85: diagnosed before the age of 18 (except gestational) = Graded, after age 18 w/insulin = Std, other (diet/pills) = Pref. Ages 0-44: no insulin – diagnosed under age 30 decline, diagnosed ages 30-44 is standard; insulin: diagnosed under age 30 is decline, diagnosed ages 30-44 is graded, poor or uncontrolled is decline.	Graded-Standard-Perferedf
Phoenix Remembrance in past 5 yrs or if currently on probation or parole	Decline If
Great Western OK ages 40-80	OK

drug or alcohol abuse+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right 2 yrs had/diagnosed/treatment or meds, also illegal drugs	Modified or ROP
Moo Living Promise 2 yrs, also convicted more than once of reckless driving or DUI & used unlawful drugs or prescription drugs other than prescribed by a Dr	Graded
Transamerica Solutions ages 45-85: 1 yr diagnosed, treated or advised to rec treatmt (also used illegal drugs) = graded, 2 yr = Std. Ages 0-44 if in past 5 yrs, provide details on app	Graded-Standard
Phoenix Remembrance in past 5 yrs any use/treatment	Decline If
Great Western OK ages 40-80	OK

emphysema, COPD, black lung, any chronic respiratory disorder (exclude asthma & sleep apnea)+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right ever diagnosed/meds/advised, only COPD, chronic bronchitis or emphysema	Graded
Moo Living Promise ever, also chronic lung disease, bronchitic & sarcoidosis	Graded
Transamerica Solutions ever, including chronic asthma, Std (not graded unless in combination w/other cond). For ages 0-44: under age 6 – mild/seasonal is preferred all others is decline; ages 6-44 & nonsmoker mild/seasonal to moderate is preferred, all others are graded; ages 6-44 & smoker mild/seasonal is preferred, moderate is standard, all others are graded.	Graded-Standard
Phoenix Remembrance Decline if on oxygen or oral steroids or tobacco use in past yr. Otherwise, call underwriting. Asthma – if hospitalized for 10+ days in past year = decline.	Decline If-Call Underwriting
Great Western OK ages 40-80	OK

heart attack, angina, had or been advised to have heart surgery including bypass & pacemaker+

CFG Diginified Choice 13-24 mo diagnosed also enlarged heart	Graded
Foresters Plan Right 2 yrs had/diagnosed, also heart or circulatory surgery & cardiomyopathy	Modified or ROP
Moo Living Promise 2 yrs for other including coronary artery disease, cardiomyopathy, angioplasty, valvular heart diseae w/surgical repair or replacement & irregular heart rythum	Graded
Transamerica Solutions for ages 45-85 diagnosed, treated, treatmt (also stent) in past 1 year = graded, 2 yrs = Std. For ages 0-44, in past 2 years = decline	Graded-Standard or Decline
Phoenix Remembrance In Part A, Ever, also heart disease, congestive heart failure, myocardial infraction, pulmonary hypertension, stent placement, transplant or valve replacement, coronary artery disease, cardiomyopathy, bundle branch block (LBBB), pacemaker, pulmonary fibrosis, pulmonary hypertension = decline. Atrial Fibrillation is OK if diagnosed over 2 yrs, no current treatment & current age 50+. Heart murmur is possible accept, call underwriting.	Decline If
Great Western OK ages 40-80	OK

Hospitalized for high BP+

CFG Diginified Choice N/A	OK
Foresters Plan Right N/A	OK
Moo Living Promise N/A	OK
Transamerica Solutions ages 0-44, provide reading/medication on app	Call Underwriting
Phoenix Remembrance Pulmonary Hypertension is decline otherwise OK	Decline or OK
Great Western OK ages 40-80	OK

hospitalized or institutionalized for mental or nervous disorder+

CFG Diginified Choice 24 months	Graded
Foresters Plan Right N/A	OK
Moo Living Promise 2 years	Graded
Transamerica Solutions ages 45-85 is OK. Ages 0-44 in past 10 yrs = provide details	Check application
Phoenix Remembrance Pin Part A, treated with 3+ meds or hospitalizations in past 2 yrs or suicide attempts = decline.	Decline or OK
Great Western OK ages 40-80	OK

insulin shock, diabetic coma, Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve, circulatory), disorder+

CFG Diginified Choice 24 mo treated, examined or advised by a member of the medical profession for	Graded
Foresters Plan Right 2 yrs diagnosed/treatment	Modified or ROP
Moo Living Promise ever for retinopathy, nephropathy & neuropathy only with diabetes. Ever insulin shock or diabetic coma is decline	Graded
Transamerica Solutions Ages 0-44 ever diabetic coma = decline. OK ages 45-85	Decline If
Phoenix Remembrance In Part A – Under age 30 is decline, also decline if in past 2 yrs diagnosed/treated/meds for diabetic coma, diabetic shock, amputation, eye or kidney problems due to complications.	Decline If
Great Western OK ages 40-80	OK

kidney disease, kidney failure, liver disease, chronic hepatitis+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right ever liver or kidney disease or condition	Graded
Moo Living Promise 4 yrs for kidney disease & ever for Hepatitis C only	Graded
Transamerica Solutions ages 45-85: Liver -cirrhosis, hepatitis B or C or other liver disease past 1 yr = graded, 2 yrs = Std. Kidney – dialysis, kidney failure due to disease or disorder 1 yr = graded, 4 yrs = Std. Ages 0-44: Hepatitis C in past 2 yrs = decline, all kidney/liver disease in past 10 yrs = provide details	Graded or Standard
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

Multiple Sclerosis+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right ever diagnosed/meds/advised for Parkinsons only (Brain tumor is Mod/ROP)	Graded
Moo Living Promise 4 yrs also bipolar depression	Graded
Transamerica Solutions Ages 45-85 is ever diagnosed, treated or advised for Parkinsons & MS only = Std. Ages 0-44 in past 2 yrs diagnosed with Crohn’s, MS or Parkinsons only = decline	Decline or Standard
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

Muscular distrophy+

CFG Diginified Choice N/A	OK
Foresters Plan Right N/A	OK
Moo Living Promise N/a	OK
Transamerica Solutions 1 yr diagnosed, treated or advised to rec treatment	Decline or Graded
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

Parkinsons+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right ever diagnosed/meds/advised	Graded
Moo Living Promise Past 4 years	Graded
Transamerica Solutions Ages 45-85 is ever diagnosed, treated or advised for Parkinsons = Std. Ages 0-44 in past 2 yrs diagnosed with Crohn’s, MS or Parkinsons only = decline	Decline or Standard
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

Quadriplediga, paraplegia+

CFG Diginified Choice N/A	OK
Foresters Plan Right ever, amputation due to complications of diabetes	Decline If
Moo Living Promise in part 1, ever	Decline If
Transamerica Solutions ages 45-85 = OK. Ages 0-44, amputation due to disease or disorder = decline	Check application
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

Schizophrenia+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right N/a	OK
Moo Living Promise 4 yrs also bipolar depression	Graded
Transamerica Solutions Under age 25 is decline. Age 25+ working/in school & controlled w/meds for at least 5 yrs is standard; disabled but controlled for at least 5 yrs is graded; poor or uncontrolled for less than 5 yrs is decline.	Check application
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

Scleroderma+

CFG Diginified Choice N/A	OK
Foresters Plan Right N/A	OK
Moo Living Promise 4 yrs	Graded
Transamerica Solutions N/A	OK
Phoenix Remembrance N/A	OK
Great Western OK ages 40-80	OK

Seizures+

CFG Diginified Choice N/A	OK
Foresters Plan Right N/A	OK
Moo Living Promise 4 yrs	Graded
Transamerica Solutions ages 45-85: 1 yr had more than 12 = decline, 2 yr = standard or graded. Ages 0-44: for epilepsy – under age 15 is decline, age 15-44 if time since last seizure is < 1yr decline, 1-2 yrs is standard, >2 yrs is preferred.	Graded or Standard
Phoenix Remembrance severe, diagnosed within last year or hospitalized within past 2 yrs	Decline If
Great Western OK ages 40-80	OK

stroke, TIA, any procedure to improve circulation to brain+

CFG Diginified Choice 24 mo diagnosed	Graded
Foresters Plan Right 2 yrs had/diagnosed, also brain tumor	Modified or ROP
Moo Living Promise 2 yrs stroke & TIA only	Graded
Transamerica Solutions ages 45-85: diagnosed, treated, treatmt in past 1 year also more than 12 seizures = graded, 2 yrs = Stds. Ages 0-44 past 2 yrs = decline, past 10 yrs = provide details	Decline or Graded or Standard
Phoenix Remembrance In Part A, ever had	Decline If
Great Western OK ages 40-80	OK

Systemic Lupus (SLE)+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right ever diagnosed/meds/advised	Graded
Moo Living Promise 4 yrs	Graded
Transamerica Solutions N/A for ages 45-85. Ages 0-44: under age 20 is decline, ages 20+ within 2 yrs of diagnosis is decline, 2-10 yrs since diagnosis is graded, >10 yrs since diagnosis is standard, severe is decline.	Check application
Phoenix Remembrance in Part A – ever had	Decline If
Great Western OK ages 40-80	OK

used oxygen to assist in breathing+

CFG Diginified Choice 36 mo diagnosed or rec’d treatment/meds	Graded
Foresters Plan Right OK after 12 mo	OK
Moo Living Promise currently	Decline If
Transamerica Solutions past 1 yr including sleep apnea	Graded
Phoenix Remembrance currently	Decline If
Great Western OK ages 40-80	OK

Final Expense Underwriting Grid

PART A QUESTIONS

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western

CFG Diginified Choice

Foresters Plan Right

MOO Term Living Promise

Transamerica Solutions

Phoenix Remembrance

Great Western