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Mortgage Term Grid
Mortgage Term Grid

Green = Level coverage, Orange = Graded/Modified (w a waiting period), Red = Decline

Advised to have surgery/diagnostic testing other than routine/treatment/procedure which has not been done/results not received

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Postpone until results are received

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Postpone until results are received

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    Postpone until results are received

Alcohol/Drug treatment/Advised to limit or discontinue use

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If advised to receive treatment or treated within 5 yrs = Decline
    If advised to receive treatment or treated over 5 yrs = OK
    (AA meetings for a single DUI is not considered treatment within 5 years, must be over 21 years old and over 12 mos since DUI)

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If advised to receive treatment or treated within 5 yrs = Decline
    If advised to receive treatment or treated over 5 yrs = OK
    (AA meetings for a single DUI is not considered treatment within 5 yrs)

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If advised to receive treatment or treated within 10 yrs = Decline
    (AA meetings for a single DUI is not considered treatment within 10 yrs)

AIDS/HIV/ARC/AIDs related complex

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

ALS (Lou Gehrig's disease) or any other disease of the central nervous system

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Alzheimer's/Dementia/memory loss

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Amputation

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If due to disease = Decline
    If due to injury = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If due to disease = Decline
    If due to injury = OK
    Permanent use of walker, wheelchair, scooter = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If due to disease = Decline
    If due to injury = OK

Aneurysm

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    If no medications/treatments over 10 yrs = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    If surgically corrected over 10 yrs, would require medical records at client's expense

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Anemia

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK
    Please notate, when diagnosed and what meds are, if any
    If requiring blood transfusions = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

Anxiety/Depression/Mental Health (other than bipolar/schizophrenic/antipsychotic)

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment, working full time, diagnosed over the age of 25 = OK
    Notate: Never hospitalized/never suicidal thoughts, sees a therapist? 1/mo or 1/week? Meds? Less than 2 meds

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment, not on disability due to mental health = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment, not on disability due to mental health = OK

Applied for/receiving disability/hospital or medical benefits from any source

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Depends on underlying reason, please search for reason for disability, examples: Disability for mental health not OK, for back injury NOT on narcotic pain can be OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Depends on underlying reason, please search for reason for disability, examples: disability for mental health not OK, for back injury NOT on narcotic pain can be OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If on disability because of maternity, fractures, spinal or back disorders or hip or knee replacements = OK

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

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Currently = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Currently = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    Currently = Decline

Asthma

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated with mild asthma = OK
    If diagnosed/treated with severe asthma/hospitalization = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated w asthma = OK
    If moderate asthma and smoker = Decline

    Moderate Asthma = Asthma with daily symptoms and exacerbations two or more times per week, some restrictions of activities, daily use of bronchodilator, up to two weeks of missed time from work in the past 12 months.

    Severe Asthma = Asthma with daily symptoms, could have a hospital admission within the past year, symptoms frequently not relieved with treatment, could have history of life-threatening attack, greater than two weeks of work missed due to asthma in the past 12 months.

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated w asthma = OK
    If diagnosed/treated w asthma and tobacco = Decline
    If diagnosed/treated w asthma and Table 2 height/weight chart link = Decline
    If diagnosed/treated w chronic, severe asthma = Decline

Afib/Atrial Fibrillation/Irregular Heartbeat/Arrhythmia

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Attention Deficit Disorder (ADD/ADHD)

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK
    (Mild, as long as not on disablity, no help w ADLs, no hospitalizations)

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK
    (Mild, as long as not on disablity, no help w ADLs, no hospitalizations)

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment, not on disability = OK

Autism

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Possibly ok, if high functioning, can perform all ADLs, not on disability

  • MoO Term Life ExpressIULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Bipolar depression

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Blood clot/Blood disorders

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    If treatment/medications over 10 yrs = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline
    If Deep Vein Thrombosis (DVT), one clot, no other issues, possible Ok

  • MoO Term Life Express

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Cancer/Leukemia/Melanoma/internal cancer/basal/squamous cell skin cancer

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    If in remission over 10 yrs = OK
    Only basal cell skin cancer at any time = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment within 5 yrs for all internal cancer = Decline
    Possible approval in early stages after 5 yrs with medical records at client's expense
    If diagnosed/treated/advised to receive treatment for leukemia, lymphoma, liver, lung or pancreatic cancer within 10 yrs = Decline
    Only basal & squamous cell at any time = OK

  • MoO Term Life Express

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline
    Only basal & squamous cell at any time = OK

Carotid artery surgery

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If within 10 yrs = Decline
    If no medications/treatment over 10 yrs = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If ever = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If ever = Decline

Cerebral Palsy

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Chronic kidney disease/End-stage renal disease with dialysis

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Chronic lung disease/COPD/Chronic bronchitis/Chronic cough/Emphysema

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    COPD in combination with Smoker = Decline

    Mild COPD for non-smokers if only one medication - no prescription steroids. Mild means little to no shortness of breath with exertion (able to climb at least 1 flight of stairs with no shortness of breath = OK

    These meds are a decline: Anoro Ellipta, Bevespi Aerosphere, Daliresp, Stiolto Respimat, Trelegy Ellipta, Utibron Neohaler.

    Bronchitis = OK
    Chronic bronchitis = Decline.

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Covid-19

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    The COVID-19 questionnaire is required with all apps (except CA, FL, ND & NY), any YES answer on the questionnaire means the application will be postponed and you can reapply after 60 - 90 days depending on which question was answered with a "yes." The postponement period starts from the date of testing, recovery or contact depending on the question.
    Cannot test positive for Covid within past 30 days.

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If quarantined with no positive/pending covid testing & no symptoms, case will be postponed for 14 days.
    If not hospitalized and tested positive, awaiting test results or experienced symptoms, case will be postponed for 30 days from date of full recovery without complications, completion of all treatment & return to normal function.
    If hospitalized due to covid, case will be postponed 90 days from date of full recovery from all symptoms without complications, completion of all treatments & return to normal functions.

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If the proposed insured or anyone in the household has traveled outside of the U.S. within the past 30 days or come in close contact with anyone who tested positive for covid, the application will be postponed for 30 days. Anyone testing positive, hospitalized or quarantined for covid will have their application postponed for 90 days.

Crohn's Disease

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline
    If over 5 yrs in remission = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment for mild Crohn's Disease (no flare ups in past 12 mos, not on disability, no hospitalizations) = OK
    If moderate/severe Crohn's Disease = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK
    Not on disability

Confined to hospital/medical facility

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Current = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Current = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    Current = Decline

Cystic Fibrosis

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Diabetes

Diseases of brain, peripheral arteries

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment (examples like Alzheimer's/Dementia/mental incapacity) = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment (examples like Alzheimer's/Dementia/mental incapacity) = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    >If diagnosed/treated/advised to receive treatment (examples like Alzheimer's/Dementia/mental incapacity) = Decline

Down's Syndrome

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

DUI/moving violations/license suspended/revoked

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If convicted of 1 (single) DUI within 12 mos or 2 DUIs within 5 yrs = Decline
    If license suspended/revoked license because of unpaid tickets, unpaid child support/driving without insurance = OK
    If convicted of 3+ moving violations within 5 yrs = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If convicted of 1 DUI within 36 mos or multiple DUIs within 10 yrs = Decline
    If license suspended/revoked/3+ moving violations within 36 mos = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If convicted of DUI or DWI/convicted of reckless driving/convicted of 4+ moving violations within 5 yrs = Decline
    If license suspended/revoked = OK

Enlarged Prostate

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

Eating disorders

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

Epilepsy/Seizures

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment for seizures within 24 mos = Decline
    If controlled with meds/no complications over 24 mos since last seizure = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment, no seizures within 12 mos = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment with seizures, as long as not grand mal seizures, and not on disability = OK

Fibromyalgia

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    As long as not on disability = OK No narcotic pain meds

  • CFG SafeShield

    (Term: 18 - 70 current age)

    As long as not on disability = OK No narcotic pain meds (see Use of Pain Meds)

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    As long as not on disability = OK Can be taking narcotic pain meds (see Use of Pain Meds)

Foreign travel

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Travel up to 12 weeks = OK
    Travel to areas that have internation risk based on political/economic/health environments = Possible Decline, please call underwriting

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If plan to reside outside of the USA or Canada, provide details that include what country you will be residing in, the length of time you plan to reside outside of the USA, the reason for your foreign residency = Possible Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    Travel to areas that have internation risk based on political/economic/health environments = Possible Decline

Heart attack/Heart surgery/Stent/Defibrillator/Pacemaker/Ablation/Angioplasty/Coronary Artery Disease(CAD)/Peripheral Vascular Disease (PVD)/Angina/Chest pain/Congestive Heart Failure (CHF)

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    If no meds or treatment over 10 yrs = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    Possible after 10 yrs with medical records at the client's expense

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Heart Murmur

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment for innocent heart murmur = OK
    If diagnosed/treated/advised to receive treatment for any other heart murmur = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment for innocent heart murmur = OK
    If diagnosed/treated/advised to receive treatment for any other heart murmur = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment for innocent heart murmur = OK
    If diagnosed/treated/advised to receive treatment for any other heart murmur = Decline

Height/Weight chart

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    YES, link

  • CFG SafeShield

    (Term: 18 - 70 current age)

    YES, link

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    YES, link

High Blood Pressure

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK
    If taking more than 3 meds, possible Decline
    Please notate when diagnosed, average blood pressure reading, ex: 120/80, if ever hospitalized or had to take time off of work. Combination of medications like spiranolactone with carvedilol can be indicative of CHF.

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK
    If taking more than 3 meds, possible Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK
    If taking more than 3 meds, possible Decline

Hospitalized for high Blood Pressue

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If hospitalized within 24 mos = Decline
    If hospitalized over 24 mos and blood pressure is stable = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If hopsitalized within 5 yrs = Decline
    If hopsitalized over 5 yrs and blood pressure is stable= OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If hopsitalized within 10 yrs = Decline
    If hopsitalized over 10 yrs and blood pressure is stable= OK

Hospitalized for mental/nervous disorder

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If hospitalized within 24 mos = Decline
    If hospitalized over 24 mos and is stable (meds not anti-psychotic)= OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If hopsitalized within 10 yrs = Decline
    If hopsitalized over 10 yrs and is stable (meds not anti-psychotic) = OK

  • MoO Term Life Express/IULE

    \

    (Term/IULE: 18 - 70 current age)

    If hopsitalized within 10 yrs = Decline
    If hopsitalized over 10 yrs and is stable (meds not anti-psychotic) = OK

Huntington's Disease/any disease of the central nervous system

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Hypothyroid/Hyperthyroid

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

Hystorectemy

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If non-cancerous = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If non-cancerous = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If non-cancerous = OK

Immune system/Connective tissue disease/disorder

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Lap band surgery/Gastric Bypass/Gastric Sleeve

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If had gastric sleeve/lap band surgery, after 12 mos and weight has stabilized = OK
    If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If had gastric sleeve/lap band surgery, after 6 mos and weight has stabilized = OK
    If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds
    (it's an automatic 2 table rateup + rateup for height/weight).

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If had gastric sleeve/lap band surgery, after 12 mos and weight has stabilized = OK
    If diabetic or any medical condition before weight loss, still need to factor in diabetes even if not currently taking meds

Liver disease/Cirrhosis/Hepatitis A, B or C/Fatty liver

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline
    If diagnosed/treated/advised to receive treatment for fatty liver, Hepatitis A recovered = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline
    If diagnosed/treated/advised to receive treatment for fatty liver = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline
    If diagnosed/treated/advised to receive treatment for fatty liver = OK

Lyme's disease

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If treated/fully recovered after 24 mos = OK
    No chronic pain, no neurological disorder, no depression (if depression was prior, ok, but if diagnosed after is decline)

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If treated/fully recovered = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If treated/fully recovered = OK

Marijuana use

  • Foresters Strong Foundation

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Recreational: Up to 4 x/week = OK
    Daily use = Decline
    Medical = Decline, Depending on reason/the drug & substance usage questionnaire is required.

    If smoked, tobacco rates apply. If ingested, tobacco rates do not apply.

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Use = OK
    If smoked, tobacco rates apply. If ingested, tobacco rates do not apply.

  • MoO Term Life Express

    (Term/IULE: 18 - 70 current age)

    Any marijuana use = Decline

Military

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If no orders to deploy in the next 2 years and not receiving hazard pay = OK, should fill out Military Questionaire/call underwriting

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If no orders to deploy in the next 2 years and not receiving hazard pay = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If no orders to deploy in the next 2 years and not receiving hazard pay = OK

Motor sports racing/boat racing/parachuting/cliff diving/skydiving/hang gliding/base jumping rock/mtn climbing/noncommercial pilots

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    In the next 2 yrs = possible Decline (call UW)

  • CFG SafeShield

    (Term: 18 - 70 current age)

    In the next 2 yrs = possible Decline (call UW)

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    In the next 2 yrs = possible Decline (call UW)

Multiple Sclerosis/MS

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Muscular Dystrophy

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Organ/Bone marrow transplant/Organ surgically removed

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If received/advised to receive = Decline
    If donated or surgically removed an organ (not for cancer) = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If received/advised to receive = Decline
    If donated or surgically removed an organ (not for cancer) = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If received/advised to receive = Decline
    If donated or surgically removed an organ (not for cancer) = OK

Pancreatitis

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment, single attack, diagnosed over 1 year ago, non alcohol related = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK

Parkinson's/any disease of the central nervous system

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Parole/Probation/Convicted of Felony/Misdemeanor

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If convicted of felony within 10 years = Decline
    If on parole/probation within 12 mos = Decline
    If misdemeanor = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If on probation/parole/plead guilty to a crime or possession of drugs within 36 mos = Decline
    If misdemeanor/felony, one time incident = OK
    If multiple incidents = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If currently on parole/probation/misdemeanor = OK
    If related to conviction of possession of drugs within 10 yrs = Decline
    If convicted of/awaiting trial for a felony = Decline

Physical/occupational/speech therapy

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If currently receiving = Postpone

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If currently receiving = Postpone

  • MoO Term Life Express

    (Term/IULE: 18 - 70 current age)

    If receiving within 12 mos = Decline

Post Traumatic Stress Disorder (PTSD)

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = OK
    If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK
    If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = OK
    If meds are for antipsychotics, i.e. schizophrenia, bipolar or on disability because of PTSD = Decline

Quadriplegia/Paraplegia

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If ever = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If ever = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If ever = Decline

Received/Advised to receive care in nursing home/Assisted living/Adult day care/Home health

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If currently = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If currently = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If within 12 mos = Decline

Rheumatoid Arthritis/Osteoarthritis

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment for osteoarthritis = OK
    If diagnosed/treated/advised to receive treatment for RA, mild, not on disability (hydroxychloroquine is OK) = OK
    If diagnosed/treated/advised to receive treatment for RA, moderate/severe w humira, enbrel or prednisone = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment for osteoarthritis/RA = OK
    If RA is severe, restrictions in movement, chronic pain meds = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment for osteoarthritis/RA = OK
    If on disability or taking humira, methotrexate, xeljanz or enbrel = Decline

Sarcoidosis

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment (pulmonary/lungs) = Decline
    If diagnosed/treated/advised to receive treatment (localized, non pulmonary/lungs) = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    IIf diagnosed/treated/advised to receive treatment (pulmonary/lungs) = Decline

Schizophrenia

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Scleroderma

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment, not on chronic pain meds = OK

  • MoO Term Life Express

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline, If localized sleroderma = OK

Sickle Cell Anemia

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Sleep Apnea

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated = OK
    Please notate if client has had sleep study test, when the test was & if they use a CPAP machine.

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated = OK

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated = OK

Stroke/TIA (Mini stroke)

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment within 10 yrs = Decline
    If over 10 yrs AND no residual medication or symptoms within 10 yrs = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment ever = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment ever = Decline

Systemic Lupus/Discoid Lupus

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment = Decline
    If diagnosed with discoid lupus = OK

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment = Decline

Ulcerative Colitis

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If diagnosed/treated/advised to receive treatment for mild ulcerative colitis (no flare ups in past 12 mos, not on disability, no hospitalizations) = OK
    If moderate/severe ulcerative colitis = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment with ulcerative colitis (no flare ups in past 12 mos, not on disability, no hospitalizations) = OK
    If moderate/severe ulcerative colitis = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If diagnosed/treated/advised to receive treatment, not on disability = OK

Unexplained weight loss/Unexplained gastrointestinal bleeding

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If more than 10lbs within 12 mos, depends on reason and meds = Possible Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If more than 10lbs within 12 mos, depends on reason and meds = Possible Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If more than 10lbs within 12 mos = Decline

US Citizen

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Must have a valid Social Security #. Please Reference Citizenship Guide

  • CFG SafeShield

    (Term: 18 - 70 current age)

    OK as long as legal resident with a TIN (tax ID #). Please Reference Citizenship Guide

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    Must have a valid Social Security # & green card, Must include Foreign National Questionaire. Please Reference Citizenship Guide

Use of pain medication

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    Currently taking narcotic or prescribed within 30 days = Decline (Anything more than temporary use for a recent surgery would be a decline) If narcotics are prescribed by multiple doctors = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    Currently taking some narcotic pain med as long not disabling/not affecting ADLs, no other medical history, build is under Table 2, not chronic/high dosage = OK
    If depression w chronic pain = Decline
    If morphine = Decline
    Additional review for meds: Hydrocodone( Vicodin)/Oxycodone(Percocet)/Oxycodine/Oxycotin

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    Depends on what they're taking it for/ dosage prescribed/how often taking it.
    If disabled for back, oxycodone is normally okay. BUT if they switch from hydrocodone to oxycontin, constantly switching meds = Decline (IF it is the same doctor switching trying to figure out what works, that is okay)
    If taking oxycodone and oxycontin = OK
    If taking suboxone/methadone/morphine = Decline
    If multiple doctors prescribe = Decline
    Pain killers combined with anti-depressants/anti-anxiety = Decline

Used oxygen or catheter

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If prescribed/used within 12 mos = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If prescribed/used within 12 mos = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If prescribed/used within 12 mos = Decline

Walker/Wheelchair/Electric scooter

  • Foresters Strong Foundation/SmartUL/Advantage

    (Term: 18 - 80 age nearest, Smart/Adv: 0 - 75 age nearest)

    If currently using wheelchair due to chronic illness or disease = Decline

  • CFG SafeShield

    (Term: 18 - 70 current age)

    If currently using wheelchair due to chronic illness/disease = Decline

  • MoO Term Life Express/IULE

    (Term/IULE: 18 - 70 current age)

    If using a wheelchair within 12 mos = Decline