- 16,932
How would you like to have paid $800 for your 2000 piece lead drop get all reved up to go run your leads and have a company with the following underwriting requirements trying to pass itself off as final expense insurance.
No wonder agents are getting frustrated out there.
Medical Condition Underwriting Action
AIDS declined
Alzheimer’s disease,
Senile Dementia or
organic brain disease declined
Anemia (iron deficiency) standard
Anemia (other than
iron deficiency) declined
Aneurysm declined
Angina declined
Angioplasty declined
Anxiety disorders
(situational depression) standard
Arthritis (not severe and
not requiring steroids) standard
Arthritis (severe and/or
requiring steroids) declined
Asthma (not requiring ongoing
therapy or steroids) standard
Asthma (requiring chronic
steroid treatment or frequent
hospitalizations) declined
Bacterial pneumonia, full recovery standard
Benign essential tremor,
familial or physiological standard
Bursitis standard
Bipolar disorder, mild one episode standard
Bipolar disorder, chronic substandard
Bladder stones, recovered,
2 or less episodes standard
Bright’s disease of the kidney substandard
Bypass surgery ( heart) declined
Alzheimer’s disease,
Senile Dementia or
organic brain disease declined
Anemia (iron deficiency) standard
Anemia (other than
iron deficiency) declined
Aneurysm declined
Angina declined
Angioplasty declined
Anxiety disorders
(situational depression) standard
Arthritis (not severe and
not requiring steroids) standard
Arthritis (severe and/or
requiring steroids) declined
Asthma (not requiring ongoing
therapy or steroids) standard
Asthma (requiring chronic
steroid treatment or frequent
hospitalizations) declined
Bacterial pneumonia, full recovery standard
Benign essential tremor,
familial or physiological standard
Bursitis standard
Bipolar disorder, mild one episode standard
Bipolar disorder, chronic substandard
Bladder stones, recovered,
2 or less episodes standard
Bright’s disease of the kidney substandard
Bypass surgery ( heart) declined
Probable
Medical Condition Underwriting Action
Medical Condition Underwriting Action
Cancer (except basal cell
skin cancer) declined
Cerebral Palsy (other than mild) declined
Chronic Obstructive
Pulmonary Disease (COPD) declined
Congestive heart failure declined
Colitis, one attack less than
3 months duration standard
Coronary Artery Disease
(includes angina, angioplasty,
coronary stent, bypass surgery,
heart attack.) declined
Currently in medical facility declined
Cystic Fibrosis declined
Diabetes (non-smoker, non insulin
dependent, present age 60 or older,
diagnosis less than 5 years prior) standard
Diabetes (does not meet
qualifications above) substandard
Diabetes (inadequate control
or evidence of end organ
complications such as blindness,
amputation) declined
Diverticulosis and Diverticulitis standard
Emphysema declined
Epilepsy (well controlled
at least 3 years) substandard
Epilepsy (diagnosed less than
three years prior or inadequate
control of seizures) declined
skin cancer) declined
Cerebral Palsy (other than mild) declined
Chronic Obstructive
Pulmonary Disease (COPD) declined
Congestive heart failure declined
Colitis, one attack less than
3 months duration standard
Coronary Artery Disease
(includes angina, angioplasty,
coronary stent, bypass surgery,
heart attack.) declined
Currently in medical facility declined
Cystic Fibrosis declined
Diabetes (non-smoker, non insulin
dependent, present age 60 or older,
diagnosis less than 5 years prior) standard
Diabetes (does not meet
qualifications above) substandard
Diabetes (inadequate control
or evidence of end organ
complications such as blindness,
amputation) declined
Diverticulosis and Diverticulitis standard
Emphysema declined
Epilepsy (well controlled
at least 3 years) substandard
Epilepsy (diagnosed less than
three years prior or inadequate
control of seizures) declined
Probable
Medical Condition Underwriting Action
Medical Condition Underwriting Action
Excessive weight (not morbidly
obese) and gastric bypass
(more than 6 months prior) substandard
Eye disorder , blindness, cataract,
glaucoma standard
Gallbladder problems (cholecystitis
and cholecystectomy) standard
Goiter, cured medically or surgically standard
Gout (unless severe or urinary
complications) standard
Heart attack declined
Heart murmur
(described as functional) standard
Heart murmur
(described as organic) declined
Heart valve disorder or
Heart valve replacement declined
Hepatitis A (cured) standard
Hepatitis (other than cured
hepatitis A) declined
Herpes Zoster (Shingles) standard
HIV positive declined
Hypertension or high blood
pressure (well controlled with
medication at least 6 months) standard
Hypertension (uncontrolled
or malignant) declined
Hypothyroidism standard
Hysterectomy (benign causes) standard
Irritable Bowel Syndrome standard
Irregular heart beat declined
Kidney dialysis declined
obese) and gastric bypass
(more than 6 months prior) substandard
Eye disorder , blindness, cataract,
glaucoma standard
Gallbladder problems (cholecystitis
and cholecystectomy) standard
Goiter, cured medically or surgically standard
Gout (unless severe or urinary
complications) standard
Heart attack declined
Heart murmur
(described as functional) standard
Heart murmur
(described as organic) declined
Heart valve disorder or
Heart valve replacement declined
Hepatitis A (cured) standard
Hepatitis (other than cured
hepatitis A) declined
Herpes Zoster (Shingles) standard
HIV positive declined
Hypertension or high blood
pressure (well controlled with
medication at least 6 months) standard
Hypertension (uncontrolled
or malignant) declined
Hypothyroidism standard
Hysterectomy (benign causes) standard
Irritable Bowel Syndrome standard
Irregular heart beat declined
Kidney dialysis declined
Probable
Medical Condition Underwriting Action
Medical Condition Underwriting Action
Kidney stone (unless multiple
occurances) standard
Leukemia declined
Liver disorders (except fatty liver) declined
Lupus (discoid) standard
Lupus (systemic) declined
Migraine headaches standard
Mitral valve prolapse,
requiring medication substandard
Multiple Sclerosis, in remission substandard
Obesity (morbid) declined
Organ transplant declined
Osteomyelitis (single or
recurrent one bone) standard
Pacemaker declined
Parkinson’s disease
(mild or in remission) substandard
Peptic ulcer
(no gastrointestinal bleed) standard
Peripheral vascular disease declined
Prostate disorders
(not cancer & normal PSA) standard
Renal failure declined
Skin cancer
(not malignant melanoma) standard
Stent (coronary) declined
Stroke, Cerebrovascular Accident
(CVA), Transient Ischemic
Attack (TIA) declined
Ulcerative Colitis (mild) substandardoccurances) standard
Leukemia declined
Liver disorders (except fatty liver) declined
Lupus (discoid) standard
Lupus (systemic) declined
Migraine headaches standard
Mitral valve prolapse,
requiring medication substandard
Multiple Sclerosis, in remission substandard
Obesity (morbid) declined
Organ transplant declined
Osteomyelitis (single or
recurrent one bone) standard
Pacemaker declined
Parkinson’s disease
(mild or in remission) substandard
Peptic ulcer
(no gastrointestinal bleed) standard
Peripheral vascular disease declined
Prostate disorders
(not cancer & normal PSA) standard
Renal failure declined
Skin cancer
(not malignant melanoma) standard
Stent (coronary) declined
Stroke, Cerebrovascular Accident
(CVA), Transient Ischemic
Attack (TIA) declined
No wonder agents are getting frustrated out there.