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
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