Mortgage Protection Term Grid

Advised to have surgery, diagnostic testing other than routine, treatment or other procedure which has not been done+

CFG Safe Shield heart catheterization or biopsy needs to postpone until results are received
Forester Strong Foundation Call Underwriting	Call Underwriting
MOO Term Life Express 12 mo, also in past 5 yrs consulted with Dr or hospitalized or treated for any other health condition other than routine physical checkups, eye, employment or FAA exams = contact an underwriter	Decline If
Phoenix Safe Harbor Express past 12 mo	Decline If

alcohol treatment or advised to limit or discontinue use+

CFG Safe Shield In past 5 years or relapse	Decline If
Forester Strong Foundation In past 5 years	Decline If
MOO Term Life Express In past 10 years	Decline If
Phoenix Safe Harbor Express less than 5 yrs from end of use/treatment	Decline If

Alzheimer's, dementia+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER also mental incapacity	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Amputation+

CFG Safe Shield Due to diabetes is a decline. Permanent use of walker, wheelchair, scooter is decline. Otherwise, OK	Decline If
Forester Strong Foundation Caused by disease	Decline If
MOO Term Life Express Caused by disease	Decline If
Phoenix Safe Harbor Express Caused by disease	Decline If

Aneurysm+

CFG Safe Shield 10 yrs for heart aneurysm	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER, cerebral, aortic or thoracic	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Applied for/received disability, hospital or medical benefits from any ins co, gov, employer or other source+

CFG Safe Shield N/A	OK
Forester Strong Foundation for disibility, call underwriting	Call underwriting
MOO Term Life Express 12 mo, except maternity, fractures, spinal or back disorders	Decline If
Phoenix Safe Harbor Express past 3 yrs, unable to work at regular job for more than 30 consecutive days due to disability or currently unable to work	Call underwriting

Assistance with ADLs (bathing, dressing, eating, toileting, getting in & out of chair/bed, management of bowel/bladder problems+

CFG Safe Shield N/A	OK
Forester Strong Foundation EVER	Decline If
MOO Term Life Express 12 months	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Bipolar depression, schizophrenia+

CFG Safe Shield Past 10 years for bipolar, Down’s syndrome, mental retardation or schizophrenia. 3 yrs for moderate to severe depression	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER also mental incapacity	Decline If
Phoenix Safe Harbor Express Bipolar – if taking 3+ medications or hospitalization in past 2 yrs is decline. Schizophrenia is always a decline.	Decline If

Cancer, leukemia, melanoma or any other internal cancer+

CFG Safe Shield Ever for Hodgkins, leukemia, liver or pancreatic, lymphomas, multiple myeloma, liver or lung. All others if less than 5 yrs since treatment. If the cancer has spread to the regional lymph nodes or adjacent structure or if there is any metastasis = decline. All cancers stages 2, 3 or 4 is a decline. Although Carcinoma in situ and cancer that is confined to the tissue or organ of origin can be considered after 5 years since diagnosis or treatment , medical records may be needed to make the determination if the risk is an acceptable risk	Decline If
Forester Strong Foundation If treatment is over 10 yrs with no recurrence or recommended treatment, call underwriting. All other cancer including Hodgkins is declined (except basal cell skin)	Decline If
MOO Term Life Express EVER, except basal cell or squamous cell skin cancer	Decline If
Phoenix Safe Harbor Express If diagnosis & end of treatment is over 5 yrs ago it’s OK. Otherwise, decline. Leukemia, Non-Hodgkins Lymphoma & multiple myeloma is always decline.	Decline If

Carotid artery surgery, lap band surgery, gastric bypass+

CFG Safe Shield N/A	OK
Forester Strong Foundation Artery blockage is a decline. Gastric bypass is OK after 1 yr with weight stabalized
MOO Term Life Express Gastric bypass after 1 yr is OK, any gastrointestinal bleeding in past 12 mo is decline.	OK
Phoenix Safe Harbor Express Carotid disease is possibly accept, call underwriting. Gastric bypass with surgery >6 mo ago without complications is usually OK (rate for build). Doesn’t specifically mention lap band surgery.	Decline If or Call underwriting

Cerebral palsy+

CFG Safe Shield Ever for diseases of brain	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express Severe is decline. Mild/moderate is OK	Decline If
Phoenix Safe Harbor Express EVER	Decline If

check height/weight chart+

CFG Safe Shield If outside height and weight cart (see underwriting guide)	Decline If
Forester Strong Foundation If outside height and weight cart (see underwriting guide)	Decline If
MOO Term Life Express If outside height and weight cart (see underwriting guide)	Decline If
Phoenix Safe Harbor Express If outside height and weight cart (see underwriting guide)	Decline If

Chronic kidney disease, end-stage renal disease with dialysis+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER	Decline If
Phoenix Safe Harbor Express EVER also renal transplant/failure & chronic glomerulonephritis.	Decline If

Chronic lung disease, chronic bronchitis, emphysema, sarcoidosis or cystic fibrosis+

CFG Safe Shield Ever for moderate/severe asthma if smoker or with complications, emphysema & COPD if moderate/severe or if a smoker or with complications. 10 yrs for sarcoidosis. Ever for any degenerative muscle & nerve disease/disorder	Decline If
Forester Strong Foundation also moderate asthma if not 50 lb lighter than build chart & severe asthma. Acute bronchitis is OK. Sarcoidosis is pulmonary only.	Decline If
MOO Term Life Express EVER (except mild asthma) also COPD	Decline If
Phoenix Safe Harbor Express EVER for pulmonary fibrosis/hypertension & bronchiectasis. Pulmonary embolism two or fewer episodes fully recovered is OK. Bronchitis OK. Mild sarcoidosis (stage 0-1, asymptomatic) is OK. COPD & emphysema is decline if on oxygen treatment or oral steroids or tobacco use in past 12 mo, otherwise possibly OK – call underwriting. Asthma is decline if hospitalized 10+ days in past yr.	Decline If

consulted Dr for chronic cough, unexplained weight loss, fatigue, gastrointestinal bleeding+

CFG Safe Shield N/A	OK
Forester Strong Foundation for chronic cough, call underwriting. If associated with COPD = decline.	Decline If or Call underwriting
MOO Term Life Express 12 mo (unexplained weight loss has to be greater than 10 lbs & not due to diet/exercise)	Decline If
Phoenix Safe Harbor Express past 5 yrs for gastrointestinal disease only	Call Underwriting

Convicted of DUI drugs or alcohol, reckless driving+

CFG Safe Shield if over 3 years since one & only DUI = OK. Otherwise, decli	OK or Decline If
Forester Strong Foundation Single DUI within 12 mo or 2 DUI within 5 yrs is a decline. Also, more than 2 DUI, call underwriting.	Decline If
MOO Term Life Express past 5 years, also 4 or more moving violations	Decline If
Phoenix Safe Harbor Express past 2 years, also license suspended or revoked, pled guilty or convicted of more than 2 moving violations	Decline If

convicted or incarcerated for felony+

CFG Safe Shield in past 3 yrs for probation, parole, arrest, convicted, pled guilty to any crime or possession or distribution of drugs/illegal substances	Decline If
Forester Strong Foundation if jail time has been served, will consider 5 yrs after parole	Call underwriting
MOO Term Life Express in past 10 years, convicted of or currently awaiting trial for a felony	Decline If
Phoenix Safe Harbor Express currently incarcerated, on parole or probation & in past 5 years convicted or pled guilty of a felony	Decline If

Coronary artery disease, heart attack, bypass surgery, angioplasty, stent+

CFG Safe Shield 10 yrs, also aneurysm, angina, arrhythmia, cardiomyopathy, congenital, congestive heart failure, valve repl, valve disorder, pacemaker or defibrillator	Decline If
Forester Strong Foundation EVER, also angina, aortic insufficiency & stenosis, arrhythmia, blockage, pacemaker, congestive heart failure, murmur	Decline If
MOO Term Life Express EVER, also valvular heart disease with repair or replacement, cardiomyopathy, congenital heart disease/failure, abnormal heart rhythm, pacemaker	Decline If
Phoenix Safe Harbor Express EVER, also angina pectoris, aortic aneurysm, murmurs/insufficiency, pacemaker, cardiomyopathy, chest pain, congestive heart failure, myocardial infarction, bundle branch block (LBBB), defibrillator, pulmonary hypertension/fibrosis, valve replacement. Atrial fibrillation if diagnosed over 2 yrs, without current treatment & current age 50+ is OK, otherwise is decline.	Call Underwriting

Currently confined to hospital or medical facility+

CFG Safe Shield currently, also bedridden	Decline If
Forester Strong Foundation If in past 5 years call underwriting, otherwise OK	OK or Call underwriting
MOO Term Life Express last 12 months	Decline If
Phoenix Safe Harbor Express currently, also assisted living, home health care, hospice, nursing home	Decline If

Diabetes+

CFG Safe Shield Insulin (type I) – all under age 50, ages 51 to 59 with duration 6+ yrs, ages 60 to 69 with duration 25+ yrs, any complications: circulation, eye, kidney, insulin shock, coma, leg ulcers, amputation, poor control, smokers, combo of diabetes with coronary artery disease or ratable build. Type II – all under age 30, ages 31-39 with duration 6+ yrs, ages 40-49 with duration 16+ yrs, any complications as already listed, smokers in combo with diabetes ages 50 & under	Decline If
Forester Strong Foundation At any age insulin, poor control, complications w/heart, kidney, vascular, neuro is a decline. Otherwise, check Foresters underwriting guidelines & diabetes build chart	OK or Call underwriting
MOO Term Life Express Under age 50 is automatic decline. Above age 50 with table 2 or higher build, tobacco or peripheral vascular disease (PVD) is decline. All others should contact underwriting.	Decline If or Call underwriting
Phoenix Safe Harbor Express cUnder age 30 is decline. Decline if in past 2 yrs diagnosed/treated/meds for insulin shock, coma, amputation, eye or kidney problems due to complications from diabetes. Gestational diabetes is OK if fully recovered, no treatment. All others call underwriting.	Decline If

Diseases of brain, peripheral arteries+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation Ever for Alzheimer’s, dementia	Decline If
MOO Term Life Express Ever for bipolar, depression, schizophrenia, Alzheimer’s, dementia, mental incapacity	Decline If
Phoenix Safe Harbor Express Peripheral vascular disease with tobacco use, surgically corrected, more than 1 limb	Decline If

Epilepsy, seizures+

CFG Safe Shield Past year	Decline If
Forester Strong Foundation in past 2 yrs is decline, after 2 yrs if controlled on meds, no complications is OK	Decline If
MOO Term Life Express Ever for bipolar, depression, schizophrenia, Alzheimer’s, dementia, mental incapacity	Decline If
Phoenix Safe Harbor Express Decline only if severe and frequent grand mal seizures. Otherwise, OK.	Decline If

HIV, AIDS+

CFG Safe Shield EVER, also ARC	Decline If
Forester Strong Foundation EVERK	Decline If
MOO Term Life Express EVER	Decline If
Phoenix Safe Harbor Express EVER	Decline If

hospitalized for high Blood Pressuer+

CFG Safe Shield N/A	OK
Forester Strong Foundation Call undewriting	Call underwriting
MOO Term Life Express past 10 years	Decline If
Phoenix Safe Harbor Express Call underwriting	Call underwriting

hospitalized for mental/nervous disorder+

CFG Safe Shield ever for any disease of brain. Psychiatric disorders in past 10 yrs.	Decline If
Forester Strong Foundation If in past 5 years call underwriting, otherwise OK	Call underwriting or OK
MOO Term Life Express Past 10 years	Decline If
Phoenix Safe Harbor Express taking 3+ medications or hospitalized in past 2 years. Severe PTSD is decline.	Decline If

Immune system or connective tissue disease/disorder+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation N/A	OK
MOO Term Life Express N/A	OK
Phoenix Safe Harbor Express usually a decline	Decline If

Liver disease, cirrhosis, Hepatitus B or C+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER	Decline If
Phoenix Safe Harbor Express EVER	Decline If

motor sports racing, boat racing, parachuting/skydiving, hang gliding, base jumping rock/mtn climbing+

CFG Safe Shield N/A	OK
Forester Strong Foundation N/A	OK
MOO Term Life Express in the next 2 years	Decline If
Phoenix Safe Harbor Express past 2 yrs or in next 2 yrs also scuba diving, cave exploration, heli skiing, ultra light flying & boxing. Also, flown as a pilot, student pilot or crewmember.	Call underwriting

Organ transplant+

CFG Safe Shield EVER, also bone marrow	Decline If
Forester Strong Foundation usually a decline unless it has been several years ago, then call underwriting	Decline or Call underwriting
MOO Term Life Express EVER	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Pancreas+

CFG Safe Shield EVER, also bone marrow	Decline If
Forester Strong Foundation alcohol related or chronic (single attack, acute > 1yr ago, non alcohol related, no complications are OK)	Decline If
MOO Term Life Express chronic only	Decline If
Phoenix Safe Harbor Express single episode, fully recovered, no evidence of alcohol abuse is OK. Otherwise is decline.	Decline If

Parkinson's, Demyelinating disease, multiple sclerosis, Huntington's Hydrocephalus, Downs, Autism or any other disease of the central nervous system+

CFG Safe Shield EVER for Parkinsons, degenerative muscle or nerve disorder. Multiple sclerosis, Downs, mental retardation in past 10 yrs diagnosis/follow up, progressive or relapsing, (doesn’t mention autism)	Decline If
Forester Strong Foundation EVER, also muscular dystrophy (doesn’t mention autism or Huntington’s)	Decline If
MOO Term Life Express EVER also Lou Gehrig’s (ALS), muscular dystrophy	Decline If
Phoenix Safe Harbor Express Parkinsons is a decline. MS under age 45 decline. MS age 45+ is possible accept, call underwriting. Autism highly functioning & living independently is OK. ALS is a decline. Nervous disorders if taking 3+ meds or hospitalization in past 2 yrs is decline.	Decline If

physical, occupational or speech therapy+

CFG Safe Shield N/A	OK
Forester Strong Foundation N/A	OK
MOO Term Life Express 12 Months	Decline If
Phoenix Safe Harbor Express N/A	OK

PTSD (Post Traumatic Stress Disorder)+

CFG Safe Shield Call underwriting	Call Underwriting
Forester Strong Foundation Call Underwriting	Call underwrting
MOO Term Life Express single episode & mild is OK, otherwise call underwriting	Call underwriting
Phoenix Safe Harbor Express mild-moderate is OK, severe is decline	OK or Decline If

Quadriplegia, paraplegia+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Received or advised to receive care in nursing home, assisted living, adult day care, home health+

CFG Safe Shield N/A	OK
Forester Strong Foundation N/A	OK
MOO Term Life Express 12 Months	Decline If
Phoenix Safe Harbor Express Currently	Decline If

Rheumatoid arthritis+

CFG Safe Shield if severe & required follow up	Decline If
Forester Strong Foundation moderate/severe, RX include Humira, Embrel, Prednisone. Mild with no limitations is OK.	Decline If
MOO Term Life Express Moderate/severe treated with Humira, Embrel or Methotrexate	Decline If
Phoenix Safe Harbor Express treated with Enbrel, Remicade or Humira. Osteoporosis under age 45 & 2+ bone fractures and/or falls is decline.	Decline If

sickle cell anemia+

CFG Safe Shield EVER	Decline If
Forester Strong Foundation Call Underwriting	Call underwriting
MOO Term Life Express EVER	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Stroke+

CFG Safe Shield in past year, ever if under age 40 when occurred, ever for all ages with moderate/severe residuals, also 10 yrs for heart aneurysm	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express EVER, also ministroke, cerebral or symptomatic aneurysm, TIA	Decline If
Phoenix Safe Harbor Express EVER	Decline If

Systemic lupus or scleroderma+

CFG Safe Shield Systemic lupus if less than 5 yrs with meds is a decline. Scleroderma is connective tissue disease & automatic decline.	Decline If
Forester Strong Foundation EVER for lupus (doesn’t specifically mention scleroderma)	Decline If
MOO Term Life Express EVER for lupus is a decline, scleroderma localized is OK	Decline If
Phoenix Safe Harbor Express EVER for erythematosus lupus (SLE). Lupus (discoid) is OK. Doesn’t specifically mention scleroderma.	Decline If

Ulcerative colitis or crohn's disease+

CFG Safe Shield Moderate/severe colitis, Crohn’s if less than 3 yrs since last flare up	Decline If
Forester Strong Foundation colitis is decline, Crohn’s is accept if >5 yrs in remission	Decline If
MOO Term Life Express colitis if 1 yr since diagnosis or major attack, over age 20, call underwriting. Crohn’s call underwriting.	Call underwriting
Phoenix Safe Harbor Express Hospitalization or complications within the past yr is decline. Mild/moderate is OK	Decline If

used oxygen or catheter+

CFG Safe Shield EVER, permanent usage	Decline If
Forester Strong Foundation EVER	Decline If
MOO Term Life Express 12 mo, also cathete	Decline If
Phoenix Safe Harbor Express currently using oxygen. Also sleep apnea is a possible accept, call underwriting.	Decline If

used unlawful drugs or prescription drugs other than as prescribed+

CFG Safe Shield In past 5 years used or treated for amphetamines,cocaine,narcotics,hallucinogens,barbiturates	Decline If
Forester Strong Foundation Except for occasional social use of marijuana(smoker rates apply)	Decline If
MOO Term Life Express Past 10 year, also convicted of possession of drugs	Decline If
Phoenix Safe Harbor Express If less than 5 years from end of use or treatment	Decline If

used walker, wheelchair, electric scooter+

CFG Safe Shield EVER, permanent usage	Decline If
Forester Strong Foundation Call underwriting	Call underwriting
MOO Term Life Express 12 months	Decline If
Phoenix Safe Harbor Express Used wheelchair due to chronic illness ore disease	Decline If

Mortgage Protection Term Grid

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express

Phoenix Safe Harbor Express

CFG Safe Shield

Forester Strong Foundation

MOO Term Life Express