Health and Life Cheat Sheet
Life and Health sheet
Notes: Aetna and American Continental are the Same Company. TranAmerica and Liberty Bankers Standard are Day 1 Coverage. Baltimore Life SG 2 and 3 pay out full commission and the client receives 25/50/100% Face UHL Premier and Deluxe are Day 1 Coverage. Express Issue is 12/24% ROP. Pays Full Commission to the Agent. Americo Eagle always refers to the Level Product.
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NOTES:
Aetna and American Continental are the same company.
TransAmerica and Liberty Bankers Standard are Day 1 Coverage.
Baltimore Life SG 2 and 3 pay out full commission and the client receives 25%/50%/100% Face.
United Home Life Premiere and Deluxe are Day 1 Coverage. Express Issue is 12/24% ROP. Pays full commission to the Agent.
Americo Eagle always refers to the level product.
AFIB
RNA – Level
Foresters – Level
TRANS – Standard
LBL – Standard
Americo – Eagle
Prosperity – Level Over 2 Years
UHL – Premier Over 2
AMAM – Level
AIDS/HIV
Guarantee Issue
ALS (Lou Gehrig’s Disease)
UHL – Express Issue WL
Royal Neighbors – Level If Over 2 Years Ago. Graded If Less Than 2 Years Ago.
Alcohol Abuse
TRANS – 1 to 2 Years is Standard/Over 2 Years is Preferred
RNA – If Recommended by a Doctor in the Last 18 Months is Decline
UHL – Within 2 Years Express Issue
MOO – Level Over 2 Years
Foresters – Level Over 2 Years
Batimore Life – SG2
Eagle – Level Over 2 Years
Prosperity – Level Over 2
AMAM – Over 2 Years Level/Less Than 2 Years Modified
Alzheimer’s/Dementia
UHL – Express Issue
Amputation Due To Disease
LBL – Decline if Due to Diabetes
TRANS – Immediate if Accidental
Foresters – Immediate if Accidental
RNA – Decline if Diabetic/Immediate if Accidental
Baltimore – Diabetic SG2/Accidental SG1
UHL – Not Asked on Application
Eagle – Diabetic Must be Over 24 Months
Aneurysm
Mutual of Omaha
TRANS – 1 to 2 Years is Standard/Over 2 Years is Preferred
RNA – Level Over 18 Months/Decline Under 18 Months
Foresters – Level if Over 2 Years, ROP if Within 2 Years or Not Repaired
LBL – Preferred if Over 2 Years
Baltimore Life – SG2
UHL – Over 2 Years Premier Immediate
Eagle – Immediate (No Complications)
Prosperity – Level Over 2 Years/Modified Under 2
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years is Level
Angina (Chest Pain)
TRANS – Within 1 Year ROP/1-2 Years Standard/2+ Years Preferred
RNA – Within 18 Months/Decline 18-36 Months/Graded or Level Over 2 Years
Foresters – Level if Over 2 Years
LBL – Preferred if Over 2 Years
Baltimore – Over 2 Years SG1/ Under 2 SG2
UHL – 12 to 24 Months Deluxe/ Over 2 Years Premier
Eagle – Over 1 Year Immediate
Prosperity – Level Over 2/Modified Under 2
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years is Level
ANGIOPLASTY (Circulatory-Heart Surgery)
TRANS – 1 to 2 Years Standard or Preferred Over 2 Years
Foresters – Level if Over 2 Years
Eagle – Over 1 Year Immediate
RNA – Level Over 2/Graded within 18 Months/Decline Less Than 18 Months
UHL – Premier Over 2 Years/Express Over 1 Year
AMAM – Less Than 2 Years Modified/2-3 Years Graded/Over 3 Years is Level
Arrhythmia
Eagle – Level
Foresters – Level
Prosperity – Level Over 2/ROP Less Than 2
RNA – Level
AMAM – Level
Assisted Living
RNA – Level
Eagle – Immediate
Asthma
Foresters – Level
Americo – UP1
TRANS – Preferred for Asthma and Standard for Chronic Asthma (Inhaler Used More Than Once a Week is Chronic)
LBL – Not Asked
RNA – Level
Prosperity – Level
Eagle – Level
UHL – Premier
AMAM – Level
Autism
UHL – Premier
Bedridden
Guarantee Issue
Beneficiary
Foresters – Friend Not Allowed
Bipolar
RNA – Level
TRANS -Preferred 45-85 App
Foresters – Level
LBL – Not Asked
UHL – Express Issue Deluxe (Immediate)
Prosperity – Graded 30/70
Eagle – Level
AMAM – Level
Brain Tumor
Eagle – Level
Foresters – Level Over 2 Years
Prosperity – Level
RNA – Level
UHL – Premier Over 2 Years
Bronchitis
RNA – Level
UHL – Express Issue
TRANS – Standard
Foresters – Chronic is Graded/Non-Chronic is Level
LBL – Standard if Chronic
Prosperity – Level
Bypass
Baltimore Life – SG2 Less then 2 Years/SG1 Over 2 Years
TRANS – Less than 1 Year Graded/1-2 Years Standard/Over 2 Years Preferred
LBL – Over 2 Years Preferred
UHL – Less than 2 Years Express/Over 2 Years Premier
Americo – Eagle Over 1 Year
RNA – Less than 18 Months Decline/19-24 Months Graded/Over 2 Years Level
Foresters – Over 2 Years Level
Prosperity – Level Over 2 Years/Modified Under 2 Years
Cancer
Baltimore Life – SG1 Over 2 Years/Less than 2 Years SG2
Foresters – Level After 3 Years
Mutual of Omaha – Level After 4 Years
TRANS – Graded if Within Last 4 Years
LBL – Level After 2 Years
RNA – Level Over 2 Years
UHL – Express Issue Whole Life if in Past 2 Years/Express Issue Premier if Over 2 Years
Prosperity – More than Once Decline/In Past 3 Years ROP/Over 3 Years Level
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years Level
Cancer (Currently)
Baltimore Life – SG2
Cardiomyopathy
Foresters – Level if Over 2 Years
LBL – Decline
RNA – Level Over 2 Years/Graded Over 18 Months/Decline Under 18 Month
Prosperity – Level if Over 2 Years/Modified if Under 2 Years
TRANS – Less than 1 Year Graded/1-2 Standard/Over 2 Years Preferred
AMAM – Modified
Cerebral Palsy
SEE MULTIPLE SCHLEROSIS
LBL – Preferred
Eagle – Immediate
Foresters – Level
Prosperity – Level
RNA – Level
UHL – Express Issue
AMAM – Graded
Cirrhosis (Liver)
UHL – Express Issue
RNA – Level After 2 Years
Foresters – Graded
LBL – Standard Over 2 Years
Baltimore Life – SG2 Less than 2 Years/SG1 Over 2 Years
Prosperity – Graded 30/70
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years Level
Circulatory Surgery
Eagle – Level Over 1 Year
Foresters – Level Over 2 Years
RNA – Level Over 2 Years/Graded Within 18 Months/Decline if Under 18 Months
Prosperity – Level Over 2 Years/Modified Under 2 Years
UHL – Premier Over 2 Years/Express Under 2 Years
Congestive Heart Failure (CHF)
UHL – Express Issue WL (2 Year ROP)
Baltimore Life – SG2
Prosperity – Level Over 2 Years Modified Under 2 Years
COPD
(No Oxygen)
TRANS – Standard
Foresters – Graded 30/70/100
LBL – Standard
Americo – UP2
RNA – Graded 30/70/100 If No Treatment Over 2 Years, Level
Baltimore Life – SG2
UHL – Graded Express Issue WL
Lifeshield – COPD/Non-Smoker Graded (Best Price of All)
Prosperity – Graded 30/70
AMAM – Taking Medicine-Modified/No Medicine-Level
Cyctic Fibrosis
RNA – Level
Mutual of Omaha – Level
TRANS – With Rx Decline
UHL – Express Issue if Under 2 Years
Foresters – Level
LBL – Decline
Americo – UP2
Prosperity – Level
Eagle – Level
Declined by Another Carrier
LBL – Doesn’t Ask
UHL – Deluxe (Immediate)
Defibrillator
Prosperity – Level Over 2 Years/Modified Under 2 Years
Eagle – Level Over 1 Year
Foresters – Level Over 2 Years
RNA – Level Over 2 Years/Graded over 18 Months/Decline Under 18 Months
TRANS – Level After 2 Years
AMAM – Level Unless Inserted in the Last 2 Years
Depression
TRANS – Preferred 45-85
Foresters – Level
LBL – Not Asked
UHL – Premier if Not on Disability
Eagle – Level
Diabetes (No Complications)
Foresters – Level (Does Not Ask When Insulin Started)
TRANS – If taking Pill-Preferred/Insulin is Standard
LBL – Level if Insulin After Age 25/Standard if Insulin Before 25 as Long as They Didn’t Become Diabetic before Age 9
RNA – Level (No Insulin Before 30)
Mutual of Omaha – Pills/Insulin After Age 50 is Level
Baltimore Life – Insulin is SG2/Pill is SG1
UHL – Insulin is Deluxe/Pill is Premier/Combined Insulin & Heart is Deluxe (Doesn’t Ask Age Insulin Started)
Prosperity – Level/Insulin (No Matter Age Started)
Eagle – Level
AMAM – Insulin Before 50 is Modified/After 50 is Level
Diabetic Coma
Foresters – Level (Unless within 2 Years Modified)
LBL – Level (Unless within 2 Years Modified)
Baltimore Life – SG2 Less than 2 Years/SG1 Over 2 Years
UHL – Deluxe if Insulin
Dialysis
UHL – Only Asked about Currently
GUARANTEE ISSUE IF CURRENT
Direct Express Card
TransAmerica – Best to Use
AIG
Prosperity – CC or DE Card
Disability
RNA
LBL – Preferred
Baltimore Life – SG1
UHL – Deluxe if Under 65/Premier if Over 65
AMAM – Level
Driver’s License Suspended (DUI)
LBL – Preferred Over 2 Years
Baltimore Life – SG1
UHL – Over 2 Years Premier
Prosperity – Within 2 Years ROP
Eagle – Immediate
Drug Abuse
TRANS – 1 Year ROP/1-2 Years Standard/2+ Years Preferred
RNA – Within 18 Months Decline if Recommended by a Doctor
UHL – Within 1 Year Decline
Americo – Within 2 Years Decline
LBL – Preferred if Over 2 Years
Baltimore Life – SG2
Emphysema
Foresters – Graded
LBL – Standard
Baltimore Life – SG2
UHL – Graded
Americo – UP2
RNA – Graded/Level if No Treatment or Diagnosis in the Last 24 Months
TRANS – Standard
Prosperity – Graded 30/70
Epilepsy
SEE SEIZURES
Felony
RNA
TRANS
AMERICO
UHL – Past 10 Years Convicted, On Parole, Awaiting Trial ROP/Otherwise Premier
LBL – Preferred if Not in Past 2 Years
AMAM – Level
Heart Attack
Foresters – Level Over 2 Years/Within 2 Years Modified
LBL – Preferred if Over 2 Years
Baltimore Life – SG2
RNA – 18 to 24 Months Graded/Over 2 Years Level
Mutual of Omaha – Within 2 Years Graded
UHL – Over 2 Years Premier
Lifeshield – Over 36 Months Level
Prosperity – Within 2 Years ROP/Over 2 Years Level
Eagle – Level over 1 Year
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years Level
Heart Surgery
Foresters – Level Over 2 Years/ROP Less than 2 Years
UHL – Over 2 Years Premier
Mutual of Omaha – Within 1 Year Decline
Prosperity – Within 2 Years ROP/Over 2 Years Level
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years Level
Heart Valve Surgery
UHL – Over 2 Years Premier
Prosperity – Level Over 2 Years
Eagle – Level Over 1 Year
Foresters – Level Over 2 Years
RNA – Level Over 2 Years/Graded Within 18 Months
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years Level
Height/Weight (Companies that Don’t Have)
RNA
TRANS (IF 45 AND OLDER)
Hepatitis (Liver)
Mutual of Omaha – Level if Not HEP C
TRANS – 1 Year ROP/1-2 Years Standard/2+ Years Preferred if Resolved
Foresters – HEP C Graded (If Not Chronic)
LBL – Decline if Untreated/Standard if Treated
UHL – B or C Within 24 Months is Express Issue
Prosperity – Chronic is Graded 30/70 / Level if No Treatment
Eagle – Immediate
RNA – Level if No Treatment/Decline if Treatment within 2 Years
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years is Level
Home Health Care
RNA – Level
Hospital Stay
(2 or More Days)
LBL – Decline if Confined in Past Year
UHL – 2 or More Times in 12 Months is Decline Unless for Minor Conditions
Prosperity – Asks Currently or in Last 30 Days
Eagle – Level
Foresters – Level
RNA – Level
AMAM – Only Asks Currently
Huntington’s Disease
Eagle – Level
Foresters – Level
Prosperity – Level
RNA – Level
UHL – Premier
Kidney/Renal Disease
(No Dialysis)
TRANS – Within 4 Years Standard/4+ Years Preferred
Mutual of Omaha – Within 4 Years ROP
RNA – Within 2 Years Decline Otherwise Level
Foresters – Graded
LBL – Standard
Baltimore Life – SG2
UHL – Over 2 Years Premier
Eagle – Immediate if Not Chronic
Prosperity – Graded if Failure
AMAM – Modified
Irregular Heart Rhythm
Foresters – Level
LBL – Standard
TRANS – Standard
RNA
Baltimore Life – SG2
UHL – Within 2 Years Express Issue
Lupus
TransAmerica – Preferred
LBL – Standard (Systemic)
Foresters – Systemic Lupus Graded
UHL – Deluxe (Immediate)
Prosperity – Graded 30/70
Eagle – Immediate
AMAM – Systemic in Last 2 Years is Modified/Over 2 Years is Level
Mental Incapacity
Baltimore Life – SG2
Multiple Sclerosis/Cerebral Palsy
Foresters – Level
TRANS – Standard for MS/Decline for Cerebral Palsy
RNA – Graded 30/70/100
UHL – Graded/MS Over 2 Tears with No Meds is Immediate
LBL – MS is Decline
Eagle – Immediate
Prosperity – Level
AMAM – Graded 30/70
Muscular Dystrophy (Brain)
UHL – Express Issue
TRANS – Within 1 Year ROP/1+ Preferred
RNA – Within 2 Years Graded/Over 2 Level
Foresters – Level
Prosperity – Level
AMAM – Graded 30/70
Nebulyzer
LBL – NOT ASKED
Neuropathy
TransAmerica – Preferred/Standard if Insulin
RNA – Level
UHL – Express Issue
AMAM – Modified
Organ Transplant
GUARANTEE ISSUE
Great Western – Level if Over 2 Years and Meds Have Not Been Changed
Oxygen Use
GUARANTEE ISSUE
Great Western – Level if Used at Night for Sleep Apnea
Pancreatitis (Chronic)
Eagle – Level
Foresters – Level
Prosperity – level
RNA – Level
UHL – Premier
AMAM – Level Over 2 Years/Modified if Under 2 Years
Parkinson’s Disease
LBL – Standard
Foresters – Graded if Can Do all ADL’s
Baltimore Life – SG2
Prosperity – Graded 30/70
Eagle – Immediate Over 1 Year
UHL – Express
RNA – Graded
TRANS – Standard
AMAM – Graded 30/70
Pacemaker
Foresters – Level Unless within Past 2 Years
TRANS – Standard (Unless within 1 Year/Graded)
RNA – Level over 2 Years/Graded Within 18 Months/Decline Under 18 Months
LBL – Preferred if Over 2 Years
Baltimore Life – SG2
UHL – Over 2 Years Premier
Eagle – Immediate over 1 Year
Prosperity – Level over 2 Years/Modified Under 2 Years
AMAM – Level Unless Inserted in Past 2 Years
Pending Surgery
Foresters – Level if More than 1 Year
LBL – Decline if Within Last Year
UHL – Express Issue
RNA – Level over 18 Months
Americo – UP1 over 1 Year
Eagle – Level over 1 Year
AMAM – Modified
Retinopathy
RNA – Level
Schizophrenia
FORESTERS
TRANS – Preferred 45-85/Standard if Under 45
LBL – Not Asked
RNA – Level (Unless Mental Incapacity)
UHL – Deluxe (Immediate)
Prosperity – Graded 30/70
Eagle – Level
AMAM – Level
Seizures – Neurological
Mutual of Omaha – Not Asked
RNA – Graded within 2 Years/Level Over 2 Years
TRANS – If More than 12 Seizures in the Last 24 Months Standard/Less than 12 Seizures in the Last 24 Months is Preferred
LBL – Standard
UHL – Premier if No Seizures in Past 2 Years
Eagle – Level
Foresters – Level
Prosperity – Level
AMAM – Graded 30/70
Sickle Cell Anemia
Foresters – Level
LBL – Modified if Within Past 2 Years/Preferred if Over 2 Years
RNA – Level
Baltimore Life – SG2
Prosperity – Graded 30/70
Eagle – Level
UHL – Express
Sleep Apnea
Foresters – Level (C-PAP is Not Considered Oxygen)
TRANS – Standard
Liberty Bankers – Level
RNA – Level
UHL – Premier
Baltimore Life – SG1
Eagle – Level
Prosperity – Level
AMAM – Level
Spinal Bifida
Eagle – Level
Foresters – Level
Prosperity – Level
RNA – Level
UHL – Express
Stroke Within 12 Months
Baltimore Life – SG2
Stroke Within 24 Months
Baltimore Life – SG2
UHL – Express Issue
Eagle – Level
Stent
TRANS – 1 Year ROP/1-2 Standard/2+ Preferred
RNA – Within 18 Months Decline/18-36 Months Graded
UHL – 1 Year Decline/1-2 Years ROP/Over 2 Premier
Foresters – Level over 2 Years/2 Years or Less ROP
LBL – Preferred if Over 2 Years
Eagle – Less than 1 Year Use Another Carrier/Level Over 1 Year
Prosperity – Level Over 2 Years/Modified Under 2 Years
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years Level
Stroke After 2 Years
Foresters – Level
Liberty Bankers – Level
Baltimore Life – SG1
UHL – Premier
Prosperity – Level
Eagle – Level
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 2 Years is Level
TIA
Foresters – Level Over 2 Years
Prosperity – ROP if Within 2 Years/Level Over 2
Eagle – Level Over 1 Year
UHL – Premier Over 2 Years/Express Less than 2 Years
RNA – Level Doesn’t Ask
AMAM – Less than 2 Years Modified/2-3 Years Graded/Over 3 Years is Level
Tobacco
Americo Eagle – Only Asks about Cigarettes
Prosperity – Only Cigarettes are Tobacco
Ulcerative Colitis
Eagle – Level
Foresters – Level
Prosperity – Level
RNA – Level
UHL – Premier
AMAM – Level over 3 Years/Graded if within 3 Years
Walker
Foresters – Level
TRANS – Preferred
RNA – Level
LBL – Preferred if Not Used in 2 Years (Only Chronic Illness or Disease/From Accident Okay)
Prosperity – Not Asked
Eagle – Immediate for No Chronic Use (Wheelchair Temporary Use)
UHL – Deluxe
AMAM – Level
WheelChair (Not Confined)
TRANS – Level (If Temporary)
RNA – If Not Confined
Americo – UP1 if Temporary
Prosperity – Asked Due to Disease
Foresters – Decline if Due to Chronic Disease or Illness
LBL – Preferred if Not Used in 2 Years (Only Chronic Illness or Disease) From Accident Okay
AMAM – Level
UHL – Not Mentioned
WheelChair (Confined)
LBL – Modified if from Chronic Illness or Disease/Accident is Okay
Baltimore Life – Decline if Due to Chronic Disease or Illness/SG1 if Due to Accident
UHL – Not Mentioned
Eagle – Decline if Chronic/Level if Temporary
Foresters – Level if Accident/Decline if Disease
Prosperity – Level if Accident/Decline if Disease
AMAM – Level if Not Due to Disease or Illness
Child/Grandchild
Americo – Child/Grandchild Rider
Liberty Bankers
UHL
AMAM – Child/Grandchild/Great-Grandchild
Single Pay Whole Life
RNA
FORESTERS
BALTIMORE LIFE
AMERICO
10-20 Pay
TRANS – 10 PAY ONLY
Telesales
FORESTERS
AMERICO
LIBERTY BANKERS LIFE
BALTIMORE LIFE
PROSPERITY
RNA