Corbridge
Corbridge will decline a diabetic applicant if their A1C level is at this number or above?
Answer : A1C 10+
If your client qualifies for a Level plan with Transamerica, they can add this specific rider to their policy for absolutely free.
Answer: What is the Accelerated Death Benefit Rider?
Any amount of this "water pill" medication is declinable?
Answer : Lasix/furosemide (indicates kidney disease and/or heart failure)
What carrier will approve someone (non GI) who had a heart attack or a bypass surgery under 24 months ago?
Answer : Transamerica Standard plan (only 1 year look back)
This beta-blocker is on the DDL?
Answer : Metoprolol
While Aetna and Mutual of Omaha will completely decline an applicant for a history of this severe mood disorder, Corebridge will approve them for a Graded Benefit Plan after a 4-year lookback
Answer: What is Bipolar Depression?
What is transamericas look back for afib for a standard plan? For a graded plan?
Answer : 3-year lookback = Modified Benefit Plan; 2-year lookback = Standard Level Plan
Accendo/Aetna will outright decline an applicant for any of their products if they take this very common brand-name medication for Alzheimer's disease, regardless of what condition it is actually prescribed for.
Answer : Aspirin
What carriers will approve a standard TIA less than 2 years ago, and currently on medications to treat it?
Answer : Aflac, corebridge, and transamerica
Diabetes and this medication are usually a decline?
Answer : Gabapentin
A client has a (X-year) lookback for a non-cirrhotic liver disease or disorder, both Aetna and Mutual of Omaha will issue a flat decline, but this carrier does not list it as an automatic decline or rate-up unless it has progressed to liver failure or cirrhosis. How long is corebridges lookback?
Answer: 2 Year Lookback
COPD, Chronic Bronchitis or Emphysema is offered at what rate class with transamerica?
Answer: What is a Standard Level Plan
Aetna takes a hard line on liver and kidney health, issuing a lifetime decline (meaning ever in their history) for liver failure, non-infection/non-stone kidney disease, and this specific scarring liver disease
Answer : Cirrhosis
If a client is diagnosed with Congestive Heart Failure (CHF), Aetna, Mutual of Omaha, and Transamerica will all hit them with an automatic decline, but this carrier provides a rare fallback by offering a Graded Plan.
What is Corebridge? (Corebridge rates up to a Graded Benefit Plan for CHF, while the others are strict "Ever" declines).
While other carriers might offer Graded or Modified policies for various cancer lookbacks, Transamerica should be treated as a likely "no-go" for almost all histories of cancer, except for these types.
Answer : What is basil cell OR squamous cell.
Transamerica is much stricter than other carriers when it comes to internal cancers and is generally considered a decline for most non-skin-cancer histories.
Corebridge will hit an applicant with a Graded Benefit Plan for this chronic inflammatory disease if it's within a 4-year lookback, bypassing a lifetime decline from Aetna and Mutual of Omaha
nswer: What is Lupus (Systemic Lupus)?
If a client suffered a TIA or mini-stroke 22 months ago, Mutual of Omaha declines them due to a 2-year lookback, and Aetna declines them for life; however, Transamerica will write them at this rate class
Answer: What is a Standard Level Plan
Aetna will issue a lifetime decline if an applicant has ever had an aneurysm, Congestive Heart Failure (CHF), or used this specific implanted cardiac device.
Answer : Defibrillator
These Carriers offer graded level plans for a 2 year lookback on TIAs
My client going to be declined for having Rheumatoid arthritis and taking this medication?
Answer : Declines if taking methotrexate OR Leflunomide
What level benefit amount does corebridge offer for Schizophrenia?
Answer: What is Graded
Transamerica explicitly offers a Standard Level Plan for applicants who have ever been diagnosed with or treated for 3 different progressive neurological disorders. What are they?
Answer: What is Parkinson's Disease, Multiple Sclerosis and Systemic Lupus
Aetna will explicitly decline an applicant if they take the brand-name drugs Tenormin or Tiazac to treat this specific cardiovascular condition.
Answer : What is Angina?
While most carriers rate up or decline an applicant for a recent AFIB diagnosis, this carrier will incredibly pass them through at a Standard Level Plan after a 2-year lookback
What is Transamerica? (Note: Transamerica's guide explicitly moves AFIB from a 3-year lookback for a Modified Plan up to a Standard Plan once it hits the 2-year mark)
To ensure your client isn't unexpectedly declined for a heart condition, the underwriting flowchart states you must ask these three broad questions to properly screen their cardiovascular history.
1) Have you ever had CHF, heart attack, aneurysm, cardiomyopathy, angina, stroke, TIA, pacemaker, defibrillator, angioplasty, stent, bypass surgery, AFIB, or other heart surgery?", 2) "How long ago was it?", and 3) "Are you taking medications for angina, heart failure, arrhythmia, or blood thinning?