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Welcome Underwriting Knowledge Base
 
This information is provided to you as a courtesy and is intended to
help you and your agent discuss your personal medical history as it relates to underwriting your insurance coverage.

Instant Term QuotesInsurance Glossary

Abdominal Aortic Aneurysm

Acid Reflux

Addison's Disease

Alcoholism

Angina

Anemia

Sickle Cell Anemia

Aneurysm - Abdominal Aortic

Angioplasty / By- Pass

Anxiety

Aortic Valve Replacement

Aortic Valve Disorder

Arrhythmia

Arthritis – Osteo

Arthritis – Psoriatic

Arthritis – Rheumatoid

Asthma

Athletes Heart

Atrial Fibrillation

Atrial and Ventricular Septal Defects

Atrial Ventricular Blocks (A-V Blocks)

Attention Deficit Disorder - ADD

Aviation

Hang Gliding

Hot Air Ballooning

Motor Sports

Rock Climbing

Skydiving

Barrett's Esophagus

Bankruptcy

Benign Prostatic Hypertrophy (BPH)

Bilurbuin and Alkaline Phosphate

Bladder Cancer

Blood Test

Bronchitis

Build

Bundle branch blocks

Business Insurance

Calcium Parathyroid Disease

Cancer – Basel Cell Carcinoma

Cancer – Squamous Cell Carcinoma

Cancer – Melanoma

Cancer – Breast Cancer

Cancer – Colon Cancer

Cancer – Hodgkin's & Non – Hodgkin's Lymphoma

Cancer – Internal

Cancer – Prostate

Carcinoma In Situ

Cardiac Catheterization

Careless Driving

Cerebral Palsy

Chronic Fatigue Syndrome

Cigars

Claudication

COPD

Colitis Ulcerative

Collapsed Lung

Colon Polyps

Congestive Heart Failure

Chron's Disease

Depression

Dementia

Diabetes

Gestational Diabetes

Disability

Diverticulitis

DUI

Drug Treatment

Drug Use / Prescription arcotics

Drug Use / Marijuana

Endometreosis

Eplipsey – Seizure Disorders

Family History / Rheumatic Fever

Fatty Liver

Financial Underwriting

Felony

Fibromyalgia

Gastric By Pass/ Stapling

Glaucoma

Gout

Grave's Disease

Gullian – Barre Syndrome

Heart Attack

Heart Disease

Hemochromatosis

Hepatitis A / B

Hepatitis C

Hyperthyroid ( Graves Disease)

Hypothyroid

Irritable Bowel Syndrome (Colitis)

Kidney Stones

Kidney Transplant

Liver Enzymes

Liver Transplant

Lupus

Lyme Disease

Macular Degeneration

Migraine Headache

Military Risk

Mitral Valve Prolapse

Mitral Valve Replacement

Valvular Heart Disease

Multiple Sclerosis

Muscular Dystrophy

Narcolepsy

OCD (Obsessive Compulsive Disorder)

Pacemaker

Paranoia

Paraplegia

Parkinson's Disease

Phlebitis (Thrombophlebitis, Deep Vein Thrombosis)

Polio

Polycystic Kidney Disease

Post Traumatic Stress Disorder (PTSD)

Pregnancy

Prostate, Enlarged

Quadriplegia

Sarcoidosis

Schizophrenia

Sleep Apnea

Social Security Numbers

Stapling

Stroke (Cerebral Vascular Accident; Aneurysm)

Tachycardia

Graves Disease (Hyperthroid)

TIA (Transient Ischemic Attack)

Travel

Visas (Non-Immigrant)

H1B Visa (Residency)

Residency (No Green Card)

Wolff-Parkinson-White Syndrome

 
Bullet Abdominal Aortic Aneurysm – Hardening of the Arteries

The aorta is the largest artery in the body. It arises from the heart at the aortic valve as the ascending aorta. The ascending aorta then turns, forming an arch, and descends through the diaphragm into the abdomen. After passing through the diaphragm, it is called the abdominal aorta. Disease in the descending and abdominal aorta is much more common than in the ascending aorta and will be due to atherosclerosis with the associated risk of Coronary Artery Disease (CAD). Atherosclerosis is vascular disease due to lipid and calcium deposition in arterial walls; the layman's term is “hardening of the arteries”. The disease leads to narrowing (stenosis) or dilation (aneurysms) or tearing (dissection) between the layers of the arterial wall. Ultrasound and CT scanning are excellent ways to measure aortic aneurysms and dissections. Simple physical examination of the abdomen is a good screening method for abdominal aortic aneurysm which can be detected as an enlargement or by a bruit. Due to the high mortality of ruptured aortic aneurysms, surgery is done when the aneurysm is 5-6 cm. in size.

   

Bullet  What was the date and size of the following test?

Bullet  Ultrasound? CAT Scan? Surgery? Has it Stabilized?

Bullet  Is there pain in the legs when walking?

Bullet  Do you have elevated cholesterol?

Bullet  Hypertension? Diabetes? Coronary Artery Disease? Cerebrovascular disease?

Bullet  What medications are you currently taking?

Bullet  Do you smoke?

Bullet  Are there any other associated health conditions?

When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Acid Reflux

Acid reflux is a condition in which liquid content of the stomach regurgitates (backs up, or refluxes) into the esophagus. The liquid can damage the lining of the esophagus, causing inflammation (esophagitis) although this occurs in a minority of patients. The regurgitated liquid contains acid and pepsin that are produced by the stomach. (Pepsin is an enzyme that begins the digestion of proteins in the stomach.)

Bullet When is it more serious than acid reflux?
If the acid reflux is more severe, excessive acid is refluxed from the stomach up into the esophagus. This causes an inflammation in the lower part of the esophagus. This scarring will produce damaged tissue in the form of a ring that narrows the opening of the esophagus, and is called an esophageal stricture.Treatment for an esophageal stricture involves dilation of the esophagus, medication, and sometimes surgery.

Bullet  Have you had an EDG (esophageal scope test) done?

Bullet  If yes, how severeWere the strictures?

Bullet  Are you taking any prescription medications?

Bullet  Have you had your esophagus dilated? If yes, how many times?

Bullet  Have you had surgery or has surgery been recommended?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Addison’s Disease – Adrenal Insufficiency

Addison's Disease is a hormonal (endocrine) disorder involving destruction of the adrenal glands (small glands adjacent to the kidneys). In patients with Addison's disease, the diseased glands can no longer produce sufficient adrenal hormones (specifically cortisol) necessary for the normal daily body functions. The disease is characterized by weight loss, muscle weakness, fatigue, low blood pressure, and sometimes darkening of the skin in both exposed and non­-exposed parts of the body.

Bullet When was the diagnosis?
Bullet What medications are you taking?
Bullet Have you ever been hospitalized for Addison's Disease or secondary insufficiency?
Bullet Any other illnesses present?
Bullet Have you been prescribed steroids?
Bullet Do you smoke?

There are carriers that will consider these cases and some will not. Speak with your ShopTermQuotes.Com Agent for which insurance carriers you may be best suited.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Alcoholism

If someone has been treated for alcohol abuse, they will be underwritten as an alcoholic. If someone used AA to quit drinking or checked themselves into an alcohol cessation program, assume you will be underwritten as an alcoholic.

Bullet If you have been treated for alcoholism and currently use alcohol you will likely be declined.
An exception may be an adult who was treated as a teenager, who is now a “responsible” adult (employed and a good Department of Motor Vehicles Record.

Associated risks with Alcoholism:

Bullet Cardiac: Atrial fibrillation, cardiomyopathy, hypertension.
Bullet Nervous system: Blackouts, seizures, delirium tremens (DTs), peripheral neuropathy, tremors, brain damage, psychosis, balance and gait impairments.
Bullet

Gastrointestinal: Fatty liver, hepatitis, cirrhosis, pancreatitis, gastrointestinal bleeding (sometimes massive) due to gastritis, varices, and esophagitis, cancer, and diarrhea.

Bullet

Bone marrow: Abnormal blood counts including anemia.

Bullet

Psychiatric and social: Depression, anxiety, suicide, violent behavior, marital/occupational/familial problems, abuse of other drugs as well as alcohol.

Bullet

Miscellaneous: Aspiration pneumonia, accidents and trauma Alcoholism is a primary, chronic disease with genetic, psychosocial, and environmental factors influencing its development and manifestations. The disease can be progressive and fatal. It is characterized by impaired control over drinking, preoccupation with the drug alcohol, use of alcohol despite adverse consequences, and distortions in thinking, most notably denial. Each of these symptoms may be continuous or periodic.

Bullet

Binge drinking is highly risky for accidental mortality. It is defined as heavy drinking to the point of intoxication on a periodic basis.

Bullet Risky drinking ( per the NIAAA - National Institute on Alcohol Abuse and Alcoholism ) is:
  • For men, > 14 drinks per week or > 4 per occasion
  • For women, > 7 drinks per week or > 3 per occasion

Note: One drink = 12 g of pure alcohol = 12 oz of beer = 5 oz of wine = 1.5 oz (a jigger) of hard liquor.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Angina

“Chest pain” is often a vague and nondescript symptom which can becaused from many conditions, such as: esophageal disease, hiatalhernia, peptic ulcer disease, pleurisy (inflammation of lining of the lung),chest wall muscle or ligament strains, anxiety disorders, pericarditis(inflammation of lining of the heart), and tumors.Ischemic chest pain (angina) is usually associated with exertion, or it canbe brought on by cold, eating, or emotional stress. It is caused by a lackof blood flow to the heart muscle. It can be relieved by rest, oxygen, ornitroglycerin. Angina is often described as a squeezing or crushing substernal pain radiating to the jaw, neck, shoulders or arms. The likelihood that the chest pain is angina is determined by the presence of well recognized cardiac risk factors such as: male sex, age over 40, smoker, family history of heart disease, diabetes, hypertension, and abnormal lipid profile such as an elevated cholesterol level.

You will want to provide the results and dates of testing for:
EKG Stress Test, Thallium Stress Test, MUGA Scan, Stress Echo, Ultrafast CT of the heart, Angiogram (cardiac catheterization)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Anemia (Iron Deficiency)

Anemia is having less than the normal number of red blood cells or less hemoglobin than normal in the blood. (Red blood cell, one of the blood cells that carry oxygen). Be specific in which type of anemia is present, if known.

Bullet

Is there a history of iron deficiency?

Bullet Any Complications?
Bullet

Is current hemoglobin near or above 120?

There are carriers that will consider these cases and some will not. Speak with your ShopTermQuotes.Com Agent for which insurance carriers you may be best suited.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114 .

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Bullet Sickle Cell Anemia

Sickle Cell Anemia is a disorder of the blood caused by inherited abnormal hemoglobin [an oxygen-carrying protein within the red blood cells]. The abnormal hemoglobin causes distorted (sickled) red blood cells. The sickled red blood cells are fragile and prone to rupture. Anemia occurs when the number of red blood cells decreases from a rupture (hemolytic). These cases are difficult to insure and will likely result in extraordinary premiums.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Aneurysm- Abdominal Aortic

This is a dilation of the blood vessel wall that can lead to rupture. It is usually due to atherosclerosis. It may be rarely secondary to arteritis or connective tissue disease. If this is inoperable you will likely be declined or have a very expensive premium.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Angioplasty / Bypass

How long has it been since the procedure? You are ok to be considered after 6 months after the procedure. How many vessels were treated? If you still smoke you will likely be declined. The more time that has passed since the procedure, the better it will be in your favor. If diabetes or any other heart issues like arrhythmia's are present, this could cause an increased premium. Age of onset will be considered when this condition is present. Brackets of age ranges that may be considered will be < 45, 50 -59, 60 -79, 80+

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114 .

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Bullet Anxiety

A panic attack typically lasts for several minutes and is one of the most distressing conditions that a person can experience. Most who have one attack will have others. When someone has repeated attacks, or feels severe anxiety about having another attack, he or she is said to have panic disorder.

Bullet

If you are on disability for anxiety, you are likely to be declined. Concerns may be any suicidal gestures, hospitalizations or excessive quantity of medications.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Aortic Valve Replacement

One of the four valves in the heart, this valve is situated at exit of the left ventricle of the heart where the aorta [the largest of all arteries] begins. The aortic valve lets blood from the left ventricle be pumped up [ejected] into the aorta but prevents blood once it is in the aorta from returning to the heart. If you are not declined, expect to pay a high amount in premium.

Bullet

When was your surgery?

Bullet Is the replacement valve artificial or porcine?
Bullet Do you have high blood pressure?
Bullet Do you have left ventricle hypertrophy?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Aortic Valve Disorder
Bullet Aortic Stenosis (AS)

Aortic stenosis is a narrowing of the opening of the aortic valve. It may be acquired or congenital. Acquired AS is usually caused by rheumatic fever or valvular calcification. An individual with congenital aortic valve disease may be born with stenosis already or may be born with a bicuspid aortic (a valve with 2 valve cusps instead of the normal 3) that can become stenotic over time. Aortic stenosis produces a low-pitched, systolic ejection murmur. The murmur is commonly transmitted to the neck (carotid arteries). The principle symptoms of AS are shortness of breath, chest pain, exertional syncope, and congestive heart failure. Because this valvular impairment does not cause symptoms until the disease is advanced, unoperated symptomatic individuals are usually uninsurable.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

Bullet

Aortic Sclerosis

Aortic sclerosis is a thickening or calcification of the aortic valve without stenosis. This disorder occurs almost exclusively in the elderly population. Aortic sclerosis can be distinguished from aortic stenosis by an echocardiogram. A diagnosis of aortic sclerosis with no evidence of aortic stenosis is usually not rated.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114 .

Bullet

Aortic Insufficiency (AI)

Aortic insufficiency is the failure of the aortic valve to close properly, thus allowing the flow of blood backward into the left ventricle. Most cases are due to rheumatic fever, a congenitally bicuspid aortic valve, or endocarditis ( infection of the heart valve). AI may exist for many years without producing symptoms. Eventually, palpitations, shortness of breath, chest pain, and congestive heart failure develop. Aortic insufficiency produces a high-pitched, blowing, diastolic murmur which is widely transmitted. Aortic insufficiency is also referred to as aortic regurgitation.

How long has the abnormality been present? What type of disorder is present? Have any of the following occurred? Chest Pain? Palpitations? Trouble Breathing? Fainting? Dizziness? Heart Failure? Are there any other problems with other valves? Has an echocardiogram, cardiac catheterization been completed? What medications have been prescribed? Do you smoke? Are there any other health issues present?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Arrhythmia

Any change in the normal rhythm of the heart. The heart rate is normal, but the rhythm is irregular. A full APS (Attending Physician's Statement) will likely be sought.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Arthritis - Osteoarthritis
Osteoarthritis is a type of arthritis that is caused by breakdown of cartilage with eventual loss of the cartilage of the joints. Cartilage is a protein substance that serves as a "cushion" between the bones of the joints. Osteoarthritis is also known as degenerative arthritis. Among the over 100 different types of arthritis conditions, osteoarthritis is the most common.
Bullet Have you had any joints replacements?
Bullet Do you take steroids? If yes, how often?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Arthritis, Psoriatic

Psoriatic arthritis is a specific type of arthritis that has been diagnosed in approximately 23 percent of people who have psoriasis, according to the Psoriasis Foundation's 2001 Benchmark Survey. It commonly affects the ends of the fingers and toes. It can also affect the spine. The disease can be difficult to diagnose, particularly in its milder forms and earlier stages. Early diagnosis, however, is important for preventing long-term damage to joints and tissue. Most people with psoriatic arthritis also have psoriasis. Rarely, a person can have psoriatic arthritis without having psoriasis.

Bullet

Your medications will be considered

Bullet

Has if affected fingers? (Progressive?)

Bullet Any swelling of the joints, deformities or bone loss?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Arthritis - Rheumatoid

Rheumatoid arthritis is an autoimmune (i.e. the body attacks itself) disease that causes chronic inflammation of the joints. Rheumatoid arthritis can also cause inflammation of the tissue around the joints, as well as other organs in the body.

Bullet

How has the rheumatoid arthritis affected your locomotion? (Any unassisted walking, use of a cane, or wheel chair use, etc.)

Bullet

Has the rheumatoid arthritis affected any other parts of your body besides the small joints (i.e. eyes, lungs, heart, bone marrow, blood vessels, etc.)?

Bullet Are you anemic?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Asthma

Asthma is a lung disorder with attacks of breathing difficulty. The attacks can range from occasional periods of wheezing, mild coughing, and slight breathlessness to severe attacks that can lead to airway obstruction and total inability to breathe. Asthmatic attacks are caused by narrowing of the airways. This results from muscle spasm in the lungs, inflammation and swelling of the bronchial tubes, or excess mucus. The episodes can be started in a variety of ways including allergies, exercise (especially in cold, damp weather), occupational hazards (breathing in fine particles), or intrinsic (all other categories).

Bullet

Do you taken oral steroids?

Bullet

Any injections of epinephrine?

Bullet Aerosolized (nebulized) bronchodilator?
Bullet Continuous use of steroids?
Bullet Number of inhalers and frequency of use?
Bullet Any hospitalizations?
Bullet Persistent wheezing or dyspnea that limits activity?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Athletes Heart

“Athlete's Heart” is a physiologic adaptation of the heart to vigorous physical training. It has not been shown to cause increased mortality, but this condition must be carefully distinguished from true heart disease. Often in attending physician statements, the term “athlete's heart” is used to describe many situations of heart enlargement - not all of which are truly benign athlete's heart syndrome.
One of the main distinguishing features is that the person must be a competitive level athlete who is undergoing vigorous physical training. The occasional jogger or “weekend warrior” should not have an enlarged heart and, if present, would point to the presence of heart disease. The sport that the athlete is involved in is also important. For example, competitive rowers have increased heart muscle mass but those who do track or weight lifting does not.

Bullet

When were you first diagnosed?

Bullet

Are you a competitive athlete?

Bullet Do you have chest discomfort?
Bullet Fainting spells?
Bullet Dizziness?
Bullet Shortness of breath?
Bullet Palpitations?
Bullet Have there been any cardiac studies completed?
Bullet Exercise treadmill?
Bullet Thallium?
Bullet Resting and/or exercise echocardiogram?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Atrial Fibrillation

Atrial fibrillation is an abnormality in the heart rhythm, which involves irregular and often rapid beating of the heart. The abnormal heart rhythm leads to the diminished delivery of blood and its nutrients [oxygen, glucose and other electrolytes] to the brain and other organs. The lack of oxygen and nutrients causes symptoms such as weakness, fatigue, dizziness, fainting spells, and shortness of breath.

Our age is going to be a strong consideration. Also, the number of years you have had the condition. < 3 years, 3-5 years, 5-10 years, 10+ years; Were you under the age of 50 or older than the age of 50 at onset of the condition? Favorable cardiac tests will be sought.

Bullet

How often are your episodes?

Bullet

How long has it been since your last episode?

Bullet When were you first diagnosed?
Bullet Is the atrial fibrillation flutter a permanent (chronic), intermittent (paroxysmal)?
Bullet Are there any symptoms of irregular heart beat?
Bullet Black outs?
Bullet Dizziness?
Bullet Palpitations?
Bullet Chest discomfort?
Bullet What are the dates and results of any of the following tests have been done?
Bullet ECG, Stress Test, Echocardiogram, Holter Monitor?
Bullet What medications have been prescribed?
Bullet Is this due to cornonary heart disease?
Bullet Alcohol?
Bullet Thyroid disease?
Bullet Mitral valve disease?
Bullet Cardiomyopathy?
Bullet Do you smoke?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Artrial and Ventricular Septal Defects
Bullet

What is the date of diagnosis?

Bullet

What type of septal defect?

Bullet ASD, Pstoi, secundum or sinus venosus?
Bullet VSD, small?
Bullet ASD, primum?
Bullet VSD, moderate?
Bullet VSD large?
Bullet Has there been surgical repair completed?
Bullet Are there any other congential defects present?
Bullet Do you have an enlarged heart?
Bullet Pulmonary hypertension?
Bullet Bundle branch block on ECG?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114 .

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Bullet Atrioventricular Blocks (A-V Blocks)

Atrial Septal Defect (ASD) is an abnormal opening or hole in the septum (wall) that separates the right atrial (RA) and left atrial (LA) chambers of the heart. It is a common congenital heart defect which sometimes is not diagnosed until adult life. There are three sub-types of ASDs depending on the location of the opening:
- 70-90% are ostium secundum defects - midseptal location
- 5-15% are sinus venosus defects - high septum
- 5-15% are ostium primum defects - low septum
Primum-type defects are usually associated with other congenital heart lesions and have a poorer prognosis than the secundum or sinus venosus type defects. In general, the smaller the opening, the better the prognosis is for all sub -types. Surgical repair is usually done between ages 3 and 6 if there is an early diagnosis. If the repair is completed before any complications such as pulmonary hypertension or heart enlargement have developed, the prognosis is excellent. Good results can still be obtained if the surgical repair is done in late childhood or as a young adult but the likelihood of complications increases every year beyond age 20.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

Ventricular Septal Defect (VSD) is an abnormal opening in the septum (wall) that separates the right ventricular (RV) and left ventricular ( LV ) chambers of the heart. It also is a common congenital heart defect and can occur alone or associated with other congenital heart lesions. Approximately half of VSDs will close spontaneously within the first year of life. VSDs that do not close or are large in size are treated surgically. If a large VSD does not close and is not surgically repaired, there can be severe complications. Because of higher pressures in the left side of the heart, the opening allows shunting of blood from the left ventricle to the right ventricle which causes heart enlargement.

Bullet

If you have had the following what type?

Bullet

Septal Defect: ASD, ostium secundum or sinus venosus?

Bullet VSD, small?
Bullet ASD, primum?
Bullet VSD, moderate?
Bullet

VSD, large?

Bullet Has surgical repair(s) been completed?
Bullet Are any other congenital defects present?
Bullet Do you have?
Bullet An heart enlargement?
Bullet Pulmonary hypertension?
Bullet Bundle branch block on ECG?
Bullet What medications have been prescribed?
Bullet Do you smoke?
Bullet Are there other major health problems present?
  If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.
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Bullet Attention Deficit Disorder (ADD)

ADD is a condition that refers to an individual's inability to control his or her own behavior or impulses. It can be manifested as constant movement and fidgeting. These patients have difficulty blocking out noise or other stimuli in order to focus on a task or what is being said. Attention deficit disorder is a chronic problem that can be seen as early as infancy and can extend into adulthood.

Bullet

Have you been diagnosed with depression as well as ADD?

Bullet

Will your medical records indicate any behavioral, driving, legal, or financial problems?

Bullet

Are you working?

Bullet

What medications have been prescribed?

Bullet

Do you have a history of any of the following psychiatric disorders?

Bullet

Mood or anxiety disorder?

Bullet Personality Disorder?
Bullet Conduct Disorder?
Bullet Oppositional defiant disorder?
Bullet Suicidal thought/attempt?
Bullet Substance abuse (drugs/alcohol)?
Bullet Bundle branch block on ECG?
Bullet Have you ever been hospitalized or on disability for psychiatric treatment?
Bullet Do you currently use tobacco products?
Bullet Are thmere any other associated health ailments?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Aviation

Commercial Pilots who fly major airlines on regularly scheduled flights can qualify for the best rates with most carriers.
Pilots who fly for private corporations, charter companies, or any other organization that is not a major airline with regularly scheduled flights will almost always be treated like a private Pilot.
Commercial Pilots who are also private Pilots will most often be underwritten as private Pilots. Typically Commercial Pilots who also practice private aviation are underwritten as private pilots.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Hang Gliding
Bullet

Do you participate in competition or stunting events?

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Are you a licensed Pilot?

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Have you engaged in or do you intend to engage in any kind of flying, ballooning, hang gliding not already indicated, i.e., record attempts, experimental equipment, over large bodies of water, outside North America?

Amateurs affiliated with a club will have a flat extra. Other amateurs and professionals not affiliated with a club will also incur a flat extra. If you attempted a “Record Attempt” you will likely be declined.

Bullet Do you have adequate experience, good equipment, no physical impairment that could affect the participants' ability, no habits criticism?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Hobby Hot Air Ballooning
Bullet

Is the hot air balloon tethered or free flying?

Bullet

Do you participate in competition or stunting events?

Bullet

Are you a licensed pilot?

Bullet

Have you engaged in or do you intend to engage in any kind of flying, ballooning, hang gliding not already indicated, i.e., record attempts, experimental equipment, over large bodies of water, outside North America?

Bullet

Do you belong to any organized clubs?

Bullet

The number of hours of free flight experience will be taken into consideration. < 25 hours not as favorable as > 25 hours +. Any attempts at setting records will likely result in a decline.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Motor Sports
Bullet

Is racing your full time occupation?

Bullet

What kind of racing do you participate in, automobile, motorcycle, powerboat, or other?

Bullet

Have you ever attended any kind of driver's school?

Bullet

How long have you participated in racing?

Bullet Over what kind of track[s] or course[s] do you race?
Bullet

Date of your last race.

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Location of your last race.

Bullet How far do you travel to race?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Rock Climbing – Mountain Climbing
Bullet

How long have you been climbing? [Longer is better]

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How many times do you climb per year?

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How many climbs overall? [More is better]

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Do you climb alone? [Yes is bad]

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Do you use ropes or a harness?

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What are the highest elevations you climb?

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Where do you climb?

Bullet Do you climb on ice? [Yes is bad.]
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What kind of training do you have?

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What type of equipment do you use?

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What class of climbing do you most often participate in [American Rating System]?

Bullet Do you belong to a club?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Skydiving
Bullet

What license class do you hold?

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How many jumps have you logged?

Bullet

Do you belong to any organized clubs?

Bullet

Do you jump professionally, compete for record attempts or use experimental equipment?

Bullet

Do you jump professionally, compete for record attempts or use experimental equipment?

Bullet

How many jumps have you made in the last 12 months?

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How may jumps do you have planned over the next 12 months?

Bullet

Amaturs affiliated with a parachute with fewer than 25 jumps will be considered.

Bullet BASE jumpers (Building, Antenna, Span, and Eart) will be declined.
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Barret’s Esophagus
The esophagus is a muscular tube connecting the mouth and pharynx to the stomach. Barrett's esophagus is an esophageal disorder which may predispose to esophageal cancer. 25% to 86% of adenocarcinoma of the esophagus arises in a Barrett's esophagus. Esophageal cancer, while treatable, is rarely curable with a five year survival rate of 5% to 20%. It is possible that common factors are involved in the causation of both lesions. When Barrett's esophagus is found, periodic endoscopic surveillance is recommended so biopsy can identify dysplasia or precancerous lesion. Barrett's is found by biopsy on endoscopic evaluation of patients with symptoms of heartburn or patients with other upper gastrointestinal symptoms. Treatment is directed at gastroesophageal reflux disease (stomach acid washes into the lower esophagus) if present and may require an operation to prevent reflux. If Barrett's esophagus was an incidental finding and there is no dysplasia, endoscopy and biopsy are recommended every other year. If dysplasia is present, resection of part of the esophagus is done. Low grade dysplasia is treated with intensive anti-reflux therapy. Patients with high grade dysplasia or insitu cancer require removal of the esophagus. If there is no dysplasia, the prognosis for Barrett's esophagus is unknown. The risk of adenocarcinoma if dysplasia is present varies from 10% to 50% depending on the study done.
Bullet

What was the date you were diagnosed?

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Regarding treatment: Have you had the following and was the outcome?

Bullet

Follow-up endoscopy(ies)?

Bullet

Surgery?

Bullet

It's best to provide a pathology report when the following are present: dysplasia – low grade, dysplasia – high grade, what medications are prescribed?

Bullet Do you use any tobacco products?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Bankruptcy

If your bankruptcy has been discharged, it has no affect on underwriting. If it has not been discharged it will most likely be postponed. The reason being is that insurance carriers want to steer clear of any financial contracts with someone in bankruptcy for fear of being obligated to provide coverage and never being paid a dime in premium.

Some will carrier will consider a Chapter 13 if you are working full time, have a good income and job and have been repaying the money for a documented period of time. They are not interested. They are not interested in these cases if the client has just begun to repay their debt or if the client has any questionable circumstances surrounding the bankruptcy (i.e. lawsuits, lost businesses, and personal angst.)The amount of coverage should be based on current income. Rare exception may be made in situations where the bankruptcy is filed for something like a divorce where maybe they're protecting assets and the amount of the debt is small. However, they would carefully scrutinize these cases.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Benign Prostatic Hypertrophy (BPH) and Prostatis

The prostate is a solid gland that surrounds the urethra at the base of the bladder in males. BPH is a benign overgrowth of the prostate. The cause is unknown, but may involve alterations in hormonal balance associated with aging. BPH is commonly seen in men over 50 years old. When the prostate enlarges, it can constrict the neck of the bladder and cause variable degrees of bladder outlet obstruction. Symptoms include progressive urinary frequency, urgency (the need to urinate immediately), and nocturia (excessive urination during the night) due to incomplete emptying of the bladder. On rectal examination, the prostate is felt as enlarged with a rubbery consistency. BPH with bladder outlet obstruction is generally suspected on the basis of the symptoms and signs. Prostate-specific antigen (PSA ) is moderately elevated in 30-50% of patients with BPH, depending on the prostate size and degree of obstruction. PSA is also elevated with prostate cancer which must be ruled out before the diagnosis of BPH can be made. Treatment of BPH includes catheter drainage of the bladder, medication to reduce the size of the prostate (Proscar for example), or a transurethral resection of the prostate (TURP ), for which prognosis is excellent. Other medications used to treat the symptoms of BPH include Hydrant, Carder Flummox, and saw palmetto. Several other limited surgical treatments, besides TURP, are being studied and offered to men today.

Bullet

When were you first diagnosed?

Bullet

If applicable, give the dates and results of the following: Bladder Catheterization, Prostate Biopsy, Prostate Ultrasound, TURP (transurethral prsstatectomy) What medications have been prescribed?

Bullet Do you used tobacco products?
  If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.
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Bullet Bilurubin & Alkaline Phosphate

Bilirubin

is considered a test of liver function but it is not specific to the liver. In fact, most bilirubin elevations are due to hemolysis of red blood cells or the benign genetic enzyme deficiency, Gilbert's syndrome. Bilirubin is formed primarily by the breakdown of a substance in red blood cells called “heme”. Bilirubin is processed/conjugated in the liver and secreted into the bile. Bilirubin does not rise due to liver disease until 10-50% of the liver is non-functional. Yellow discoloration of the skin and eyes (jaundice ) occurs when the bilirubin is >3 mg/dl. Bilirubin elevation due to Gilbert's disease is usually <3 mg/dl but values as high as 6 mg/dl have been reported. Fasting causes bilirubin to increase in Gilbert's syndrome. AST, ALT and GGTP are not elevated by Gilbert's syndrome. If the obstruction to bile flow (known as cholastasis) is outside the liver (e.g . stone or tumor in duct which carries bile from the liver) or if there is diffuse disease of the bile ducts inside the liver, bilirubin increases along with ALP and GGTP.

Alkaline phosphatase is found mainly in liver and bone with some 20% derived from intestine or placenta. Cholestasis causes bile duct cells to increase synthesis of ALP. Isolated elevations of ALP <1.5X normal usually resolve spontaneously and are of no concern. Late in pregnancy, ALP may rise from placental origin up to 2X normal. Normal values for alkaline phosphatase are age specific and are higher (3 -5X adult normal) in children and adolescents due to bone growth. Adult values are expected after about age twenty years. Marked increase of bone ALP (i.e . 6X-8X normal and GGTP normal) is likely to be due to a destructive bone processes such as Paget's disease or metastatic cancer (e.g . prostate). In general, liver disease causes elevation in more than one liver test. For example, cholestasis elevates bilirubin, alkaline phosphatase, AST and ALT. When only one test is elevated on a screening blood sample for life insurance, it is less likely to represent liver problems. The exception is ALT, which can be the sole elevation in hepatitis. For this reason, insurance companies add a hepatitis screen when the ALT is elevated.

Bullet

How long has this abnormality been present? Provide the details of the following liver enzyme tests?

Bullet

AST/SGOT, ALT/ SGPT, GGTP, ALP, Bilirubin.

Bullet Have the results been increasing?
Bullet Decreasing?
Bullet fluctuating up and down?
Bullet

Stable?

Bullet Do you drink alcohol?
Bullet What medications (prescribed and unprescribed) do you take?
Bullet Have you been evaluated for Hepatitis A, B or C?
Bullet Have you had an iron study?
Bullet Have you had a liver ultrasound?
Bullet Liver biopsy?
Bullet Are there any other health problems present?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Bladder Cancer

Approximately 56,500 new cases of bladder cancer are diagnosed annually resulting in 12,600 deaths in the U.S. Men are affected more frequently than women, but it is rare in individuals who are younger than 40. Those demonstrating an increased risk are smokers and workers in the dye, chemical, and rubber industries. The tumors have a tendency to recur following removal and may become more invasive with each recurrence. The major prognostic features are the depth of invasion into the bladder wall (stage ) and the degree of cellular differentiation of the tumor (grade ). A deeper level of invasion means a higher tumor stage and a poorer prognosis. If the tumor is confined to the epithelial layer (superficial lining of the bladder), it can be removed through a cystoscope. The prognosis of survival following superficial tumor removal is good. Treatment of invasive bladder cancer may include chemotherapy (instilled in the bladder), radiation therapy, and/or the surgical removal of the bladder ( cystectomy). If the tumor has gone through the bladder wall, 5 year survival is 45% with treatment. With metastatic disease, patients have a less than a 2 year survival.

Bullet

List the date of first diagnosis?

Bullet Was the Cancer treated?
Bullet Endoscopic resection only?
Bullet Endoscopic resection and chemotherapy instilled in the bladder?
Bullet Radical cystecomy (removal of bladder)?
Bullet Radiation therapy?
Bullet Systemic Chemotherapy?
Bullet What Stage was the Cancer?
Bullet Is there any evidence of reoccurrence?
Bullet What was the result and date of the most recent cystoscopy and urine cytology?
Bullet What medications have been prescribed?
Bullet Do you use any tobacco products?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Blood Tests
Bullet

Diabetes Screen

Glucose (60-109 MG/DL) is the main source of energy for living organisms. The major cause of elevated glucose is diabetes mellitus.
Fructosamine (0-1.5 MMOL/L) measures ‘glycated serum proteins'. It measures a person's average blood sugar concentration over the past two or three weeks.
Hemoglobin A1C (glycohemoglobin - HbA1C) (3.0-6.0%) tests are used to confirm elevated glucose (blood sugar) and fructosamine readings. When an individual's HbA1c is abnormally high, their blood sugar had been high in the past 1 to 2 months.

Bullet

Kidney Screen

Blood Urea Nitrogen (BUN) (5-25 MG/DL) is an end-product of protein metabolism. BUN levels are elevated in kidney disease or dehydration.
Creatinine is a waste product released from the muscle tissue and is extracted from the kidneys. Creatinine is elevated in kidney disorders or dehydration. Normal range depends on age, gender, and build.

Bullet

Liver Screen

Alkaline Phosphates (39-117 U/L) is an enzyme found primarily in the liver and bones. Elevated levels may indicate the presence of bone disorders or liver and bile duct disease.
Total Bilirubin (0.1-1.0 MG/DL) levels that are abnormally high occur in individuals with liver and gallbladder disease. Bilirubin is mildly elevated in Gilbert's syndrome, but here, LFT's will be normal.
Aspartate aminotransferase (AST, SGOT) (0-39 U/L) is an enzyme found in the liver and in cardiac and skeletal muscle. Elevated levels can indicate liver and muscle disorders.
Alanine Aminotransferase (ALT, SGPT) (0-49 U/L) is an enzyme found in muscle, cardiac and liver cells. Elevated levels commonly occur with liver disease and can be proportional to the degree of disease.
Gamma Glutamyl Transpeptidase (GGT, GGTP) (0-65 U/L) is a liver enzyme. It is released as a result of damaged cell walls in people with various liver diseases. It is also sensitive to drugs and medications; for example Dilantin and alcohol.
Total Protein (6.3-8.2 G/DL) in serum includes two major components, albumin and globulin. Its measurement assesses the body's ability to maintain its chemical balance.
Albumin (3.7-4.7 G/DL) is the largest portion of total serum protein. Decreased serum albumin can indicate many disorders, including advanced liver disease and malnutrition.
Globulin (2.3-3.9 G/DL) is a major component of serum proteins. It has many functions including maintenance of the immune system. Abnormal globulin levels, both elevated and decreased, may indicate infections, allergic reactions, immune disorders and other diseases.

Bullet

Lipid Screen

Total Cholesterol (<200 MG/DL) is a risk factor for coronary artery disease.
High Density Lipoprotein (HDL) (40-85 MG/DL), if high, is associated with protection against coronary artery disease. The quantity of HDL, as well as the ratio of HDL to total cholesterol, is important in determining one's risk of coronary artery disease. Markedly elevated HDL may indicate heavy alcohol intake.
Low-Density Lipoprotein (LDL) (60-130 MG/DL), if high, is associated with an increased risk of coronary artery disease.
Total Cholesterol/HDL Ratio is a predictor of coronary artery disease. A ratio of 4.5 or less is associated with lower risk of heart disease.
Triglycerides (10-190 MG/DL) are fats that provide a major reserve of energy for the body. Increases in triglycerides and other fats (lipids) can increase the risk of coronary artery disease. Ideally, triglycerides should be measured after an overnight fast.
LDL/HDL Ratio (<3.6 MG/DL) is calculated using total cholesterol, HDL and triglycerides measurements. The lower the LDL/HDL ratio, the less risk of coronary problems.

Bullet

Other

HIV Test reports whether a person is positive or negative for antibodies to the human immunodeficiency virus.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Bronchitis

Bronchitis is chronic and progressive obstruction of the flow of air through the airways and out of the lungs. You may get a better rate if the condition is only a result of (acute) exposure to cold, breathing of irritant substances or acute infection. Chronic (daily cough for at least 3 months of the year is likely to be rated the same as COPD. (See COPD). If you use tobacco, you are likely to be declined.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Build

Build is one of the basic life risk characteristics and one of the oldest. The risk factor of age has been used since the 17th century. Occupation followed in the next century along with infectious disease history by the late 19th century. Interest in body build led to height and weight tables related to age and sex. This work was completed in 1897 and 1906 and has had modification over the years as actuarial expertise has improved. Prior to the turn of the 20th century, underweight were considered poor insurance risks due to the high death rate of tuberculosis. Conversely, overweight were considered well nourished and healthy. When the 1903 mortality statistics were published, the overweight were obliged to pay an extra premium. Since then, there have been further modifications. With the elimination of tuberculosis, the underweight show a better mortality than the average weight in most age groups. The 1979 study in mortality shows a reverse trend with a rise in mortality for those 20% or more underweight. In summary, there is increased mortality at both extremes of weight. The more overweight one is, the higher the risk as the graph below shows. The Center for Disease Control (CDC) reports those in 1999-2000 15% of American children and adolescent (ages 6-19) are overweight. For American adults, 64% are overweight or obese.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114 .

Mortality
Risk
body mass index (weight (kg)/height (m) 2 )

Those whose excess weight is muscle and bone, with little fat, and whose weight distribution is good are better risks than the obese. Body mass index (BMI ) is a commonly used measurement of adiposity (fat as opposed to muscle) per height. The build table takes this into consideration by giving a weight range classed by height and BMI. Significantly overweight patients have an increased risk for coronary heart disease, diabetes, hypertension, and hyperlipidemia.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Bundle Branch Blocks

A “Bundle Branch” is a part of a group of muscle fibers that carry electrical impulses within the heart. So contrary to what they may sound like, Left Bundle Branch Block (LBBB) and Right Bundle Branch Block (RBBB) have nothing to do with blocked arteries. The "block" refers to a problem with the electrical conduction system that regulates the hearts beating. As with all things related to heart, the left side LBBB is more serious than the RBBB. This is usually an insurable condition but may result in higher premiums.

The right and left bundles are a group of conducting fibers that supply the electrical impulses to ventricle (main pumping chamber of the heart) causing both the left and right ventricles to contract together. If a person has BBB, the right and left ventricles do not contract together and this abnormality will be visible on the electrocardiogram (ECG). There are many causes of BBB, but the most common one is coronary artery disease (50%). Other causes include cardiomyopathy, hypertension, tumors, and fibrosis (scarring) of the conduction fibers, congenital lesions, trauma, and aortic stenosis. However, BBB can also occur in a heart that has no obvious abnormalities.

An isolated finding with no known heart disease or history of changing ECG pattern of:

  • incomplete right bundle branch block ( IRBBB )
  • complete right bundle branch block ( CRBBB ) - excluding sarcoidosis
  • left anterior or posterior hemiblock ( LAHB or LPHB )
  • Complete left bundle branch block ( CLBBB ) or complete right
    bundle branch block with a left hemiblock ( Bifascicular block )
Bullet What type of branch block?
Bullet CLBBB? CRBBB? LAHB? LPHB? IRBBBB?
Bullet Bifacicular Block?
Bullet How long has this abnormality been present?
Bullet Has there been a recent change in ECG?
Bullet Do you have Cardiomyopathy?
Bullet High blood pressure?
Bullet Congenital Heart Disease?
Bullet Valvular Heart Disease?
Bullet Have any cardiac studies been completed?
Bullet Exercise Treadmill?
Bullet

Thallium?

Bullet What were the results?
Bullet Do you have a resting or exercise echocardiogram?
Bullet What medications have been prescribed?
Bullet Are there any other associated health issues?
 

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Business Insurance

An initial public offering (IPO) is a company's first sale of stock to the public. Typically, an IPO involves the sale of stock of a young and little-known company. Occasionally, well-known and well-established firms do “go public." Reasons that companies “go public” include:

  • to raise money
  • to increase their financial base, liquidity, prestige, and ability to attract management
  • to realize planned expansions
  • to make acquisitions

A “start-up” company is a company less than 1 year old with no established track record. These are usually small companies that can take on the form of a sole proprietorship, partnership, or corporation. These situations challenge the Underwriting arena with questions of financial justification and business stability.

Bullet

Management

What are the qualifications, background and experience of the people? managing the operations (i.e. their resumes). Ownership is another important consideration. An outline of the percentage of ownership of all owners and degree of active involvement in the operation of the business is essential (i.e. CEO, Board of Directors member, investor with no active involvement, etc.).

Bullet

Financial Data

While this may be minimal, it is helpful to know where the initial capitalization to begin operation was derived. For example, knowing the capitalization is coming from a well-regarded firm specializing in venture capital investment might be interpreted more favorably. Further, the pro-forma, which demonstrates the financial expectations/rewards of a well-executed business plan, can help the underwriter determine the appropriate amount of coverage given the expectations of yet unrealized business success.

Bullet Speculation

Here, questions are asked regarding the likelihood of a business being successful. Is this a unique business that has wide spread public appeal or is the market already well represented by companies providing the same or similar products and/or services? The “Business Plan”, which outlines the actions/steps to be taken to achieve the desired outcome, often times, helps the underwriter in making this determination. The business plan, often required by investors, is an excellent source of market, organizational and financial data.

If you have a special situation, we encourage you to complete the instant term quote form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Calcium and Parathyroid Disease

The parathyroid glands are four small glands located in the thyroid gland which lies by the larynx at the front of the neck. The parathyroid glands regulate calcium level in the blood and calcium deposition in the bone. Hyperparathyroidism is an increase in parathyroid hormone (PTH ) secretion and results in a high blood calcium level. Hypoparathyroidism is a decrease in PTH and causes low blood calcium. Primary hyperparathyroidism (PHPT ) is caused by excessive secretion of parathyroid hormone from one or more parathyroid glands. 85% of cases are due to a small benign parathyroid adenoma. The remaining cases are due to multiglandular disease (called parathyroid hyperplasia) or to malignancy. Most hyperparathyroidism is diagnosed in asymptomatic people by an incidental finding of elevated serum calcium. Most persons with PHPT have an elevated parathyroid hormone (PHT ). Parathyroid related symptoms include osteoporosis (bone thinning), kidney stones, peptic ulcer, mental changes (fatigue , depression, and confusion), loss of appetite, nausea, vomiting, constipation, EKG changes and arrythmias. Surgery is the usual treatment but carries with it the risk of damage to the recurrent laryngeal nerve. Recurrence occurs in a small percentage of patients. Secondary hyperparathyroidism is characterized by an elevated PTH and low or low-normal serum calcium. The most common cause is chronic renal failure. Other causes are vitamin D deficiency and renal hypercalciuria. Hypoparathyroidism is usually due to accidental removal of the parathyroid glands during thyroid surgery or removal of too much parathyroid tissue during surgery for hyperparathyroidism. It is characterized by low serum calcium levels and increased levels of blood phosphorus (hyperphosphatemia ). Symptoms can range from mild tingling in the hands, fingers, and lips to more severe forms of muscle cramps, including cramping of the entire body and convulsions.


Bullet  What is the date of diagnosis?

Bullet  Is it Hyperparathyroidism? Or Hypoparathyroidism?

Bullet  Was surgery performed?

Bullet  What medications are prescribed?

Bullet  Do you have Ostioporosis?

Bullet  Kidney Disease?

Bullet  Kidney Stones?

Bullet  Depression?

Bullet  Arrhtymia?

Bullet  Cancer?

Bullet  What is the date and value of your latest calcium level?

Bullet  Do you use tobacco products?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Cancer - Basal Cell Carcinoma

Basal cell carcinoma is the most common form of skin cancer, affecting 800,000 Americans each year. Chronic exposure to sunlight is the cause of almost all basal cell carcinomas, which occur most frequently on exposed parts of the body -- the face, ears, neck, scalp, shoulders, and back. Rarely, however, tumors develop on non-exposed areas. Anyone with a history of frequent sun exposure can develop basal cell carcinoma, often referred to as BCC. But people who have fair skin, light hair, and blue, green, or gray eyes are at highest risk. Usually insurable, number of occurrences will be investigated.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Cancer - Squamous Cell Carcinoma

Squamous cell carcinoma, the second most common skin cancer after basal cell carcinoma, afflicts more than 200,000 Americans each year. Although squamous cell carcinomas usually remain confined to the epidermis for some time, they eventually penetrate the underlying tissues if not treated. In a small percentage of cases, they spread (metastasize) to distant tissues and organs. When this happens, they can be fatal. Chronic exposure to sunlight causes most cases of squamous cell carcinoma. That is why tumors appear most frequently on sun-exposed parts of the body: the face, neck, bald scalp, hands, shoulders, arms, and back. Anyone with a substantial history of sun exposure can develop squamous cell carcinoma. But people who have fair skin, light hair, and blue, green, or gray eyes are at highest risk.

Most carriers consider ok unless it has gone deeper than two layers of skin. Family history is considered strongly in these cases.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Cancer - Melanoma

Prognosis is affected by the stage of the tumor. Staging is accomplished by measuring the thickness of the lesion and the level of invasion. The Breslow system measures the thickness (total height) of the melanoma whereas the Clark system categorizes different levels of invasion. Prognosis is also affected by whether the tumor was ulcerated or bleeding. Have this information for your agent. If you have the pathology report available this will help.

Bullet   Melanoma can usually be considered at about 1.5 years from diagnosis.

Bullet   Most cancers will have a flat extra in years 2 through 6 from diagnosis if insurable

Bullet   If the cancer was metastatic (spread outside the primary tumor) normally not insurable within 10 years of last treatment.

Bullet   Melanoma treated with Interferon will likely result in a decline.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Cancer - Breast Cancer

Underwriting Guidelines vary per Insurance Carrier

Mastectomy
0-7 yrs Same as other cancer guidelines
7-10 years since procedure is more favorable
Great than 10 years is a better scenario

Lumpectomy
0-7 yrs Same as other cancer guidelines
7-15 yrs since procedure is more favorable
The fewer lymph nodes the better.

  • If the cancer was metastatic (spread outside the primary tumor), normally not insurable within 10 years from the date of the last treatment.
  • Carcinoma In-situ indicates a pre-invasive cancer. If you had a lumpectomy and radiation it may have been carcinoma in-situ.
If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.
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Bullet Cancer - Colon Cancer

These are very general guidelines. As the rate is based on classification of cancer, the actual price will depend heavily on stage (degree of invasion) and grade (aggressiveness of tumor).

The more years post will be in your favor.

If the cancer was metastatic (spread outside the primary tumor), normally not insurable within 10 years from the date of the last treatment.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Cancer - Hodgkin’s & Non-Hodgkin’s Lymphoma

Lymphoma is a general term for cancers that develop in the lymphatic system. Hodgkin's disease is one type of lymphoma. Other lymphomas are grouped together and are called non-Hodgkin's lymphoma. Lymphomas account for about 5 percent of all cases of cancer in this country.

In non-Hodgkin's lymphoma, cells in the lymphatic system become abnormal. They divide and grow without any order or control, or old cells do not die as cells normally do. Because lymphatic tissue is present in many parts of the body, non-Hodgkin's lymphoma can start almost anywhere in the body. Non-Hodgkin's lymphoma may occur in a single lymph node, a group of lymph nodes, or in another organ. This type of cancer can spread to almost any part of the body, including the liver, bone marrow, and spleen.

Considered in underwriting or stage and class as well as type of treatment (i.e. surgery, radiation and chemotherapy.)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Cancer - Internal

Cancer is an abnormal growth of cells, which tend to proliferate in an uncontrolled way and, in some cases, to metastasize (spread). Cancer is also called malignancy. A cancerous growth or tumor is sometimes referred to as a malignant growth or tumor. A non-malignant growth or tumor is referred to as benign. Benign tumors are not cancer. Cancer is not one disease. It is a group of more than 100 different and distinctive diseases.

Classification of cancer depends heavily on stage (degree of invasion) and grade (aggressiveness of tumor). Provide a surgical pathology report.

  • Most cancers are not insurable within 3 years of diagnosis. Melanoma can usually be considered at about 1.5 years from diagnosis.
  • If the cancer was metastatic (spread outside the primary tumor) normally not insurable
  • within 10 years of last treatment. While chemotherapy does not always indicate

Metastatic cancer, there is a high correlation.

Melanoma treated with Interferon may likely result in a deline.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Cancer - Prostate Cancer

Gleason Score, PSA, Age will be key factors in determining insurability and premium. Here are some general guidelines. Call your ShopTermQuotes.Com agent for specifics as to which companies will rate for Preferred, Standard are table rated.

Stage

Gleason Score at diagnosis

PSA < Tx

Stage 1

2-6

 

< 10

 

 

 

 

Stage 1

7-8

or

>10

 

 

 

 

 

 

 

 

Stage 2

2-6

 

< 10

 

 

 

 

 

 

 

 

Stage 2

7-8

or

>10

 

 

 

 

 

 

 

 

Stage 3

2-6

 

< 20

 

 

 

 

 

 

 

 

Stage 3

7-8

or

>20

 

 

 

 

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Bullet

Cancer - Prostate Cancer

Stage, if any organ removed, type of treatment, lymph nodes involved?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Carcinoma In Situ

Stage, if any organ removed, type of treatment, lymph nodes involved?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Cardiac Catherterization

Coronary artery disease and ischemic heart disease are terms that refer to the atherosclerotic narrowing of the arteries that supply the heart muscle with blood. Because this disease is a leading cause of death in the United States , coronary artery disease is perhaps the most important impairment seen in underwriting. Effective risk selection requires a good understanding of coronary anatomy and cardiac function, the atherosclerotic process, and the important prognostic factors.

Cardiac catheterization is the best method for determining the location and extent of atherosclerotic disease. It provides a description of the location and extent of arterial narrowing within each major artery. Obstructive disease may occur in the proximal (close to the origin) portion of an artery, in the mid-section, or in the end (distal ). Because of the branching nature of arteries, a lesion in the proximal portion of a major coronary artery affects more heart muscle than one that occurs in the mid-section or beyond, or in one of the branches.

Blood supply to the heart originates at the base of the aorta with two vessels: the left main coronary artery and the right coronary artery ( RCA ) . The left main coronary artery is relatively short; it divides into two main coronary arteries, the left anterior descending ( LAD ) and the left circumflex ( CFX ) . There tends to be a direct correlation between the severity of coronary artery disease and ventricular function. If coronary blood flow is deficient, ischemia occurs and the affected heart muscle will not contract normally. The left ventricle has primary importance because it pumps blood to the whole body. Its blood comes mainly from the LAD. Heart catheterization describes the atherosclerotic disease in the LAD and examines how effectively the left ventricle contracts. Left ventricular function is an important factor in the prognosis of coronary artery disease. Following a myocardial infarction ( heart attack ), the heart muscle is fibrotic and loses contractile ability. Individuals with diminished left ventricular function have a poorer prognosis than those with good function who are better able to handle future ischemic events.

Bullet   When did you have the procedure?
Bullet   Did you have a heart attack?
Bullet   Bypass surgery?
Bullet   Angioplasty?
Bullet   What medications are prescribed?
Bullet   Do you have chest pain?
Bullet   Diabetes? Lipid Disorder?
Bullet   Family History of Heart Disease?
Bullet   Overweight?
Bullet   High Blood Pressure?
Bullet   Do you use any tobacco products?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Careless Driving

Not as bad as speeding. Careless driving is considered a lesser offense, like running a stop sign. Though some carriers will see it the same as reckless driving or a DUI. The length of time since the offense is considered.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Cerebral Palsy

Cerebral Palsy is an abnormality of motor function [as opposed to mental function] that is acquired at an early age, usually less than a year of age, and is due to a brain lesion that is non-­progressive. The degree of the physical handicap will be considered. Carriers vary widely on underwriting this condition.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Chronic Fatigue Syndrome

(CFS) is a debilitating medical condition characterized by fatigue, fever, and swollen glands. The fatigue [tired sensation] is longstanding, and the cause unknown. There is no singular blood test for chronic fatigue syndrome. This means that there is no known test to specifically diagnose the condition, rather it is suggested by a certain pattern of symptoms, including sore throats, low grade temperature elevation, and fatigue.

Bullet   When were you diagnosed?
Bullet   Are you working?
Bullet   Are you fully recovered?
Bullet   Are you taking any medications?
Bullet   If yes, how long have you been taking them?
Bullet   What are they?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet

Cigars

All guidelines assume that you are negative for nicotine on exam. See HOS. When taking the medical exam, do not use cigars 10 days prior to the paramed exam and give truthful answers regarding your tobacco use. Fraudulent or misrepresentational statements could result in a claim being denied. A celebratory cigar situation is o.k.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Claudication

Claudication (pain in the leg while walking that is relieved by rest) is caused by hardening of the arteries (atherosclerosis) in the legs. It is essentially the same disease as coronary artery disease (hardening of the arteries of the heart).

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

Factors that contribute to the development of claudication are the same as those that cause coronary artery disease:
If you are currently smoking, this will likely result in a decline. High blood pressure, High cholesterol, Diabetes, Obesity and family history will all be considered.

Bullet  When were you diagnosed with claudication and how was it treated?

Bullet  Have you undergone any lifestyle changes? [i.e. stopped smoking, started exercising, lost weight, lowered cholesterol and Blood Pressure]?

Bullet  What medications are you taking? [An aspirin a day is common, blood pressure and cholesterol medications are common treatments to be used.

Bullet  Do you have any history of coronary artery disease?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet COPD

Chronic Obstructive Pulmonary Disease is comprised primarily of two related diseases - chronic bronchitis and emphysema. In both diseases, there is chronic obstruction of the flow of air through the airways and out of the lungs, and the obstruction generally is permanent and progressive over time.

Bullet  Do you smoke? If yes, this will likely result in a decline.

Bullet  Do you require oxygen?

Bullet  Are you taking any medications?

Bullet  Is your COPD the result of environmental exposure? [example, asbestos]

Bullet  Do you have any functional limitations as a result of COPD? If yes, this will likely result in a decline.

Bullet  Do you have a history of heart disease? i.e. angina, myocardial infarction coupled with

Bullet  moderate COPD will likely result in a decline.

Bullet  Have you undergone any changes in lifestyle including some form of pulmonary rehabilitation?

Bullet  Have you had a normal EKG? If yes, this is a favorable factor.

Bullet  Have you had an EKG with any right ventricular changes? If yes, this will likely result in a decline.

Bullet  Have you had relatively stable pulmonary function tests? PFT's? If yes, this is a favorable factor.

Bullet  Have you had abnormal PFTs (FEVI 40% - 49%). If yes, this will likely result in decline.

Mild cases of COPD require pulmonary rehabilitation (cardiovascular exercise) but no meds. Moderate cases may require inhalers and oral meds. Severe cases may use oxygen. These cases will likely be declined. Rating will depend on the degree of lung function impairment obtained from an attending physician.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Colitis, Ulcerative

Ulcerative Colitis is chronic inflammation and sores, called ulcers, of the large intestine [colon]. The colon is the part of the digestive system where waste material is stored. The inflammation makes the colon empty frequently, causing diarrhea. The ulcers form in places where the inflammation has killed colon-lining cell and bleed and produce pus and mucus.

Bullet  When were you diagnosed? What exactly was your diagnosis?

Bullet  What medications are you taking?

Bullet  When was your last flare up? How often to you have flares?

Bullet  Has you doctor recommended intestinal surgery or resection of bowel?

Bullet If you had surgery, when was it? Have you had any symptoms since the surgery? Are medications still    required?

Bullet  What was the date of your last colonoscopy? What was the result?

Bullet  Are you anemic or underweight?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Collapsed Lung

If there is no other lung disease present and remaining lung is functioning normally, there is likely chance you will be insurable.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Colon Polyps

A colon polyp is a tumor of the inner lining (mucosal surface) of the colon (large intestine). They may be broad based (called sessile) or pedunculated (attached by a stalk). Colon polyps can cause symptoms such as bleeding, but the real concern is their pre-malignant potential. If a colon polyp is found on a flexible sigmoidoscope exam or barium enema, a full colonoscopy is done to look for and remove all polyps. Once removed, they are sent to the pathologist for diagnosis. The malignant potential of a polyp is determined by: size, sessile vs. pedunculated, pathology and grade.

Less than 1% of all polyps are malignant. Polyps that are called hyperplastic by the pathologist have little to no risk of progression to cancer. There are several polyps that can progress to cancer: tubular, tubulovillous, villous.

Of this group, villous polyps are most likely to be large in size and contain cancer. After one polyp is removed, there is an increased risk of developing another polyp. Typical follow-up is full colonoscopy every 3-5 years.

Bullet  What is the date of the diagnosis?

Bullet  What type of pathology? Hyperplastic? Tubular? Tublovillous? Villous?

Bullet  Any history of colorectal cancer?

Bullet  What was the size of the polyps?

Bullet  Have the polyps been removed?

Bullet  When was your last colonoscopy?

Bullet  Do you use tobacco products?

Bullet  What medications have been prescribed?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Congestive Heart Failure (CHF)

Congestive Heart Failure or heart failure is a condition in which the heart can not pump enough blood to meet the needs of the body's other organs. The “failing” heart keeps working but does not work as efficiently as it should. People with CHF can not exert themselves because they become short of breath and tired.

The vast majority of people with CHF are uninsurable for individual coverage. There is a possibility if:

They experienced a temporary CHF secondary to a cardiac arrhythmia that resolves with treatment of the arrhythmia. This assumes that there is no serious underlying heart disease causing the arrhythmia.

They experienced a temporary CHF during a cardiac event or procedure (i.e. heart attack ore post-bypass surgery) that resolves with treatment. This assumes that there is evidence of a return to normal heart function after the event or procedure (i.e. normal echocardiogram)

If CHF was secondary to other heart condition, rate for that condition.

Any client who is taking Lanoxin and lasix is assumed to have CHF until proven otherwise. This is also true of clients who report "fluid build up" in the lungs.

You may want to get a cardio work-up and submit these results to your agent prior to submitting your application.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Crohn's Disease

Crohn's Disease is a chronic inflammatory disease of the large and small intestines. It attacks the intestine in a “flare”/remission pattern. It primarily causes ulcerations (breaks in the lining) of the small and large intestine, but it can affect the digestive system anywhere from the mouth to the anus. The disease is universally progressive over time.

Bullet  When was your last flare-up? [Flare-ups usually involve abdominal pain and bloating, bloody diarrhea, vomiting, etc.]

Bullet  How often do you have flare-ups?

Bullet  Have you had surgery? When was your last surgery? Since the surgery, have there been any flare-ups?

Bullet  Have you had any complications outside of the intestinal track from the Crohns's disease such as  inflammation of the joints, spine, eyes or liver?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Depression

Depression divided into two types, endogenous and neurotic. Endogenous means that the depression comes from within the body, perhaps of genetic origin, or comes out of nowhere. Neurotic or reactive depression has a clear environmental precipitating factor, such as the death of a spouse, or other significant loss, such as the loss of a job. Depression is a syndrome (group of symptoms) that reflects a sad mood exceeding normal sadness or grief. More specifically, the sadness of depression is characterized by a greater intensity and duration and by more severe symptoms and functional disabilities than is normal. Depressive disorders are characterized not only by negative thoughts, moods, and behaviors, but also by specific changes in bodily functions (e.g., eating, sleeping, and sexual activity).

Bullet  If you are disability due to depression, it is likely you will be declined.

Bullet  Are there any suicidal gestures in your medical records?

Bullet  Any hospitalizations?

Bullet  Treated as Outpatient?

Bullet  Inpatient?

Bullet  Reactional Depression?

Bullet  No loss of work?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Dementia

Dementia is a broad category of disorders characterized by an acquired decline in memory and other cognitive functions which impair daily function. The most common form of dementia is Alzheimer's Disease (AD ) which accounts for two thirds of all cases. The second most common form is vascular dementia (also called multi-infarct dementia) which comprises 15% of dementia cases. Other forms of dementia can be caused by central nervous system disorders such as Creutzfeldt-Jakob Disease, drug affects and alcoholism ( Korsakoff's Syndrome). The incidence of cognitive impairments and dementias is rising; the risk increases with age; and there is an increasing elderly population causing an increased prevalence of dementia.

Most patients with AD initially present with symptoms of memory loss such as forgetting names or misplacing household items. They progress to more severe memory loss, personality changes, depression and need for assistance with daily functions such as cooking or dressing. In the final stages of AD, patients become completely incapacitated, disoriented and have total loss of verbal and motor skills. The rate of progression is related to age, gender (more common in women) and the presence of comorbidity factors such as hypertension, coronary artery disease and diabetes. Death is usually due to total debilitation or infection.

The initial diagnosis is usually made based on physical examination, mental status testing and observations of family members and the patient. Also important is the patient's functional status as determined by assessment of Activities of Daily Living (ADL ). The ADLs are bathing, toileting, dressing, continence, transferring and self feeding. The median survival for AD is 8-9 years from onset and 5 years from medical doctor's diagnosis. There's currently no effective treatment for AD, although there's been some success slowing progression in mild to moderate cases with the use of medication. More effective treatment is expected in the future when the causative factors for AD are isolated. Most cases of dementia are uninsurable on the individual basis, but may be insurable on a highly rated basis for survivorship.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Diabetes

Diabetes mellitus, commonly referred to as "diabetes," means "sweet urine." It is a chronic medical condition associated with abnormally high levels of sugar (glucose) in the blood. Elevated levels of blood glucose [hyperglycemia] lead to spillage of glucose into the urine, hence the term sweet urine. Normally, blood glucose levels are tightly controlled by insulin, a hormone produced by the pancreas. Insulin lowers the blood glucose level. When the blood glucose elevates (for example, after eating food), insulin is released from the pancreas to normalize the glucose level. When the blood glucose elevates [for example, after eating food], insulin is released from the pancreas to normalize the glucose level. In patients with diabetes mellitus, the absence or insufficient production of insulin causes hyperglycemia. Diabetes mellitus is a chronic medical condition, meaning it can last a lifetime.

Bullet  At what age were you diagnosed?

Bullet  What is your A1C?

Bullet  Is your blood pressure and cholesterol controlled?

Bullet  Do you smoke?

Bullet  Do you have height/weight issues?

Bullet  Do you have neuropathy, vision problems. Amputations, heart disease? Kidney problems?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Gestational Diabetes

Gestational Diabetes is a form of diabetes mellitus that appears during pregnancy (gestation) in a woman who previously did not have diabetes and usually goes away after the baby is born. Factors that increase the chance of a woman's developing gestational diabetes include her age (if she's over 25), her ethnic background (high-risk groups include Hispanic, African American, Native American, South or East Asian, Pacific Islander, and Indigenous Australian), her weight (if she's overweight), her family history (if there's a relative with diabetes) and her history of past pregnancies (with gestational diabetes in a past pregnancy, or if she's had a stillbirth or a very large baby). Gestational diabetes is treatable, especially if detected early in pregnancy. Treatment greatly lowers the baby's chances of having problems. With treatment, most women with gestational diabetes have healthy pregnancies and healthy babies.
Without treatment, mothers with gestational diabetes tend to have very large babies and a harder time with labor and delivery.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Disability

If client is receiving SSI disability benefits this may result in a decline. If you are on disability but have assets and a qualified need you will mostly likely get approved for insurance coverage. This is on a case by case basis. It is helpful to include with your application a letter explaining your particular situation. Your ShopTermQuotes.Com agent can assist you with this.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Diverticulitis

The colon (large intestine) is a long tube-like structure that stores and then eliminates waste material. As a person ages, pressure within the colon causes bulging pockets of tissue (sacs) that push out from the colon walls. A small bulging sac pushing outward from the colon wall is called a diverticulum. Diverticulitis refers to the presence of multiple patches or sacs. Diverticulitis indicates that one or more of these sacs have become inflamed.

Bullet  Severe or mild episodes?

Bullet  Recurrent episodes with full recovery?

Bullet  Successful surgical intervention with uncomplicated post – op course and full recovery?

Bullet  Extensive surgery with extended post-op care, full recovery? How many years has it been since the  procedure?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet DUI

Bullet  How many?

Bullet  How long ago?

Bullet  Are current liver enzymes normal?

Bullet  Watch for alcohol comments in medical records? If present, writing a letter of explanation and submitting it with the application helps.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Drug Treatment

If drug treatment is disclosed there will likely be an inspection report, credit report and Motor Vehicle Record review. If you have abstained from illegal drugs such as cocaine, crack, heroin, LSD, methamphetamines but not marijuana it is possible to get coverage after a few years of being clean and sober. If you are still using illegal drugs you will likely be declined. The amount of time clean and sober will be a key determinate.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Drug Use - Prescription Narcotics

No evidence of abuse or addiction is favorable. If evidence of addiction is present, you will likely be declined. An explanation by the prescribing physician explaining the circumstances can sometimes give you special consideration. What may be term on the surface as an addiction may actually be another situation all together. If you are determined that you are insurable, be prepared for rather high premiums. Please contact your ShopTermQuotes.Com agent to discuss your options.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Drug Use – Marijuana

Oddly enough, you are insurable with some carriers if you currently smoke marijuana. If you will test positive for marijuana you must disclose it. You will likely be declined if it is discovered after the fact. If you use marijuana in excess of 5+ times a week you will likely have a very difficult time getting insurance coverage.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114.

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Bullet Endometriosis

Endometriosis is a growth of cells similar to those that form the inside of the uterus (endometrial cells) outside of the uterus. Endometrial cells are the same cells that are shed each month during menstruation. When endometrial cells grow outside the uterus, endometriosis results. These cells attach themselves to tissue outside the uterus and are called endometriosis implants. The implants are most commonly found on the ovaries, the fallopian tubes, outer surfaces of the uterus or intestines, and on the surface lining of the pelvic cavity. They can also be found on the liver, vagina, old surgery scars, and even in the lung or brain. Endometrial implants are generally benign (not cancerous).

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Epilepsy/Seizure Disorders

Epilepsy occurs when nerve cells in the brain fire electrical impulses at a rate of up to four times higher than normal. This causes a sort of electrical storm in the brain, known as a seizure. A pattern of repeated seizure is referred to as Epilepsy. Medication controls seizure for the majority of patients, who are otherwise healthy and able to live full and productive lives

Bullet  If not Epilepsy, is the cause of the seizures known?

Bullet  When was your last seizure?

Bullet  What kinds of seizures do you have, petit or grand mal?

Bullet  When were you diagnosed?

Bullet  What meds are you taking?

Bullet  Can you drive?

Bullet  Are you able to work?

Bullet  Have you ever been hospitalized due to a seizure?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Family History: Rheumatic Fever

If a parent or sibling has or has died from heart disease caused by Rheumatic Fever, most carriers will NOT count it as family history of CAD or CVD. Be aware that Rheumatic fever is a valvular disease and may lead to heart failure, but does not lead to hardening of the arteries (CAD or CVD.)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Fatty Liver

In this condition, the liver is enlarged, soft and, on biopsy, the cells are distended by fat. The most common causes of fatty liver are alcohol, marked obesity and poorly controlled diabetes. It can also be caused by a wide variety of chemicals and drugs (i.e. steroids, tetracycline’s, Methothexate) or secondary to hemochromatosis, small bowel bypass or pregnancy.

Bullet  Your blood work up is going to likely be a key consideration. Is your AST, Bilirubin, GGT and ALT is normal ranges?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Financial Underwriting

Some carriers will allow the spouse to have the same level of coverage as their working spouse. Or your spouse may not work but have substantial passive income and/or assets. Contact your ShopTermQuotes.Com agent to discuss your options.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Felonies

If you are on probation or parole, they will be postponed until the probation or parole is complete.

Bullet  What was the charge?

Bullet  What was the sentence?

Bullet  How much jail time was done?

Bullet  When was the incident?

Bullet  How long have you been off probation or parole?

Probation includes adult offenders whose court places them in community supervision instead of incarceration.

Parole includes those adults who are conditionally released to community supervision whether by parole board decision or by mandatory conditional release after serving a prison term. They are subject to being returned to jail or prison for rule violations or other offenses.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Fibromyalgia

Fibromyalgia, [formerly known as fibrositis], is a chronic condition causing pain, stiffness, and tenderness of the muscles, tendons, and joints. Fibromyalgia is also characterized by restless sleep, awakening feeling tired, fatigue, anxiety, depression, and disturbances in bowel function.

Bullet  Can you perform normal duties?

Bullet  Were you treated with anti-inflammatory medications only or with steroids as well?

Bullet  Steroids will likely be less favorable. Are you on disability?

Bullet  Able to work?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Gastric Bypass or Stapling

Intestinal Bypass
These procedures are intended to surgically induce a malabsorption syndrome in which weight loss occurs. This is radical treatment of obesity and, although initially successful, inevitably fails at maintaining proper weight. Unless the underlying eating disorder or endocrine abnormality is corrected, nearly all the weight will eventually be regained. Post-operative complications are similar to other malabsorption conditions and include kidney stones, electrolyte imbalance, cholelithiasis, liver disease, osteoporosis, arthritis, and anemia. Most patients will complain of diarrhea and weakness.

Bullet  Were their any complications?

Bullet  Infections?

Bullet  Do you have normal liver functions or elevated liver functions?

Bullet  Have you acquired a “dumping” syndrome?

Bullet  How long has it been since the procedure?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Glaucoma

Glaucoma is usually, but not always, associated with elevated pressure in the eye (intraocular pressure). This pressure leads to damage to the eye (optic) nerve. Actually, glaucoma is now considered a disease of the optic nerve (optic neuropathy) that causes a loss of vision, usually in both eyes [bilateral]. This loss often begins with a subtle decrease in side (peripheral field) vision. If the glaucoma is not diagnosed and treated, it may progress to loss of central vision and blindness.

There are two types of glaucoma, primary and secondary. Primary glaucoma occurs when there is no preceding ocular disease. Secondary glaucoma occurs when there has been a past episode of ocular trauma.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Gout

Gout is medical condition characterized by abnormally elevated levels of uric acid in the blood, recurring attacks of joint inflammation (arthritis), deposits of hard lumps of uric acid in and around the joints, decreased kidney function and kidney stones.

Bullet  What complications exist, if any, due to the gout?

Bullet  Can you perform your daily duties?

Bullet  What medications do you take?

Bullet  At what age did you have the onset of gout?

Bullet  Any evidence of alcohol abuse?

Bullet  Any associated diabetes, kidney disease, elevated triglycerides or ateriosclerosis?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Graves Disease

(See hypothyroid)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Gullain - Barre Syndrome

Guillain Barre Syndrome is a disease of the nervous system due to damage to the myelin sheath around nerves. The myelin sheath acts as an insulator the same as rubber or plastic around electrical wires. Guillain-It is the most frequent acquired (as opposed to inherited) nerve disease (neuropathy). In many cases it follows shortly after a virus infection. It is also rarely associated with immunizations, surgery, and childbirth.

Bullet  If current you will likely be postponed. Did you have any residuals since recovery?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Heart Attack

Heart attack, also called a myocardial infarction, is the death of part of the heart muscle due to its sudden loss of blood supply. Typically, the loss of blood supply is caused by a complete blockage of a coronary artery by a blood clot. A coronary artery is an artery that supplies blood [along with essential nutrients] to the heart muscle. Death of the heart muscle often causes chest pain and electrical instability of the heart muscle tissue. Electrical instability of the heart causes ventricular fibrillation (chaotic electrical disturbance). Orderly transmission of electrical signals in the heart is important for the regular beating (pumping) of the heart. A heart undergoing ventricular fibrillation simply quivers, and cannot pump or deliver oxygenated blood to the brain. Permanent brain damage and death can occur unless oxygenated blood flow is restored within five minutes.

Bullet  Any medical impairments?

Bullet  How old were you at onset? Tobacco use?

Bullet  Other significant medical history? i.e. diabetes, cerebrovascular disease?

Bullet  Did you have angioplasty or bypass?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Heart Disease

History of heart disease will be likely be a decline if any of the following are present:

Alcohol Abuse

Cardiomyopathy (characterized by increased growth [hypertrophy] in thickness of the wall of the left ventricle, the largest of the four chambers of the heart. HCM can surface any time in life. It may, in a worst-case scenario, lead to death. It is the leading cause of sudden death in athletes and young people.)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114


Mitral Stenosis (produces a localized low-pitched mid-diastolic murmur. An opening snap occurs after the aortic component of the second heart sound [A2]. Early symptoms may include dyspnea with exertion. As the disorder becomes more severe, pulmonary edema with congestive heart failure may be present.)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114


Coronary Artery Disease … The coronary arteries arise from the aorta adjacent to the heart and supply the heart muscle with blood that is rich in oxygen. They are called the coronary arteries because they encircle the heart in the manner of a crown. The plaques in the coronary arteries can cause a tiny clot to form which can obstruct the flow of blood to the heart muscle producing symptoms and signs of CAD that may include:

  • Chest pain [angina pectoris] from inadequate blood flow to the heart;
  • Heart attack [acute myocardial infarction], from the sudden total blockage of a coronary artery; or
  • Sudden death, due to a fatal disturbance of the heart rhythm.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

Congestive Heart Failure …Inability of the heart to keep up with the demands on it and, specifically, failure of the heart to pump blood with normal efficiency. When this occurs, the heart is unable to provide adequate blood flow to other organs such as the brain, liver and kidneys. Heart failure may be due to failure of the right or left or both ventricles.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Hemochromatosis

Hemochromatosis is an inherited disorder of excessive body accumulation of iron. It is common among the white population, affecting approximately 1 in 400 individuals of European ancestry. Hemochromatosis patients are believed to absorb excessive amounts of iron from the diet. Since the human body has limited ways of eliminating the absorbed iron, the iron accumulates over time in the liver, bone marrow, pancreas, skin, and testicles. This accumulation of iron in these organs causes them to function poorly.

Bullet  When were you diagnosed?

Bullet  When did you last have your liver enzymes tested and what were the results?

Bullet  Have you had a liver biopsy and what were the results?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Hepatitis A/B

Hepatitis A is an inflammation of the liver caused by the HAV virus. It is usually transmitted by food or drink that has been handled by an infected person whose hygiene is poor. Often, Hep A is a result of poor hand washing techniques among food preparation workers at restaurants. This form is always acute and never becomes chronic. It is diagnosed with a blood test.

Bullet  Are you fully recovered?

Bullet  Are your liver functions normal?

Inflammation of the liver due to the hepatitis B virus (HBV) was once thought to be passed only through blood products. It is now known that hepatitis B can also be transmitted via needle sticks, body piercing and tattooing using un-sterilized instruments, the dialysis process, sexual and even less intimate close contact, and childbirth. Symptoms include fatigue, jaundice, nausea, and vomiting, dark urine, light stools. Diagnosis is by blood test. Treatment is via anti-viral drugs and/or hepatitis B immunoglobulin (HBIG). Chronic hepatitis B may be treated with interferon, but it cannot be cured. Hepatitis can lead to cirrhosis or cancer, which is why it is a significant UW concern.

Bullet  Are you an asymptomatic healthy carrier or do you have the chronic disease?

Bullet  Are your liver functions normal? What is your ALT?

Bullet  Do you test positive for the Hep B “antibody,” but not for the Hep B “antigen?”

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Hepatitis C

Hepatitis C is an inflammation of the liver due to the hepatitis C virus (HCV), which is usually spread by blood transfusion, hemodialysis, and needle sticks. HCV causes most transfusion associated hepatitis, and the damage it does to the liver can lead to cirrhosis and cancer. Transmission of the virus by sexual contact is rare. At least half of HCV patients develop chronic hepatitis C infection. Diagnosis is by blood test. Treatment is via anti-viral drugs. Chronic hepatitis C may be treated with interferon, sometimes in combination with anti-virals. There is no vaccine for hepatitis C. Hepatitis C can be cured.

Bullet  When were you diagnosed? [The longer ago the better.]

Bullet  Have you had a liver biopsy? If so, when? Was fibrosis or inflammation discovered?

Bullet  Do you have any symptoms? [malaise/fatigue]

Bullet  What are your current ALT? What is your liver enzyme history?

Bullet  Are you taking anti-viral medications? [interferon or ribavirin are the most common meds] If yes, for     how long?

Bullet  If you are taking or have taken medication, do you know if you were a “positive responder? Are you     liver enzymes normal now?

Bullet  Do you currently use alcohol? If yes, how much do you drink each day?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Hyperthyroid (Graves Disease)

A disorder with too much activity of the thyroid gland. The gland is usually swollen, releasing greater than normal amounts of thyroid hormones, which speeds up the body processes. Symptoms include nervousness, bulging of the eyeballs, tremor, constant hunger, weight loss, fatigue, heat intolerance, rapid and irregular heartbeat, and diarrhea. Anti-thyroid drugs are usually given. Surgical removal of the gland is sometimes necessary, Untreated hyperthyroidism may lead to death because of hear failure.

If you are not taking meds for hyperthyroid, have no blood pressure issues or cholesterol problems you will likely get a favorable underwriting class.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Hypothyroid

A condition of decreased thyroid gland activity. It is sometimes caused by surgical removal of all or part of the gland. An overdose of anti-thyroid medicine, release of thyroid-stimulating hormone by the pituitary gland, or atrophy of the thyroid gland itself can also be responsible. Weight gain, sluggishness, dryness of the skin, constipation, arthritis, and slowing of the processes of the body may occur. Untreated, hypothyroidism leads to coma and death. Treatment with synthroid will likely not adversely affect you.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Irritable Bowel Syndrome - Colitis

Ulcerative Colitis

Irritable Bowel Syndrome is one of the most common ailments of the bowel [intestines] and affects an estimated 15% of persons in the US . The term, irritable bowel, is not a particularly good one since it implies that the bowel is responding irritably to normal stimuli, and this may or may not be the case. The several names for IBS, including spastic colon, spastic colitis, and mucous colitis, attest to the difficulty of getting a descriptive handle on the ailment. Moreover, each of the other names is itself as problematic as the term IBS.

Bullet  When were you diagnosed?

Bullet  What medications are you taking?

Bullet  When was your last flare up?

Bullet  Have you had any surgeries?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Kidney Stones

Kidney stones are hard mineral and crystalline material that forms within the kidney or urinary tract. Kidney stones are a common cause of blood in the urine and pain in the abdomen, flank, or groin and occur in 1 in 20 people at some time in their life.

The development of the stones is related to decreased urine volume or increased excretion of stone-forming components such as calcium, oxalate, urate, cystine, xanthine, and phosphate. The stones form in the urine collecting area (the pelvis) of the kidney and may range in size from tiny to staghorn stones the size of the renal pelvis itself.

Bullet  When was your last occurrence?

Bullet  Are you fully recovered?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Kidney Transplant

This will likely result in a decline. However, you can get insurance through some carriers with a very high premium.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Liver Enzymes

ALKALINE PHOSPHATASE Alkaline Phosphatase is an enzyme found primarily in the liver and the bones. Elevated levels may indicate the presence of bone disorders, liver disorders, parathyroid, bile duct diseases, or a time of bone growth or repair. May be considered normal range 30-125

BILIRUBIN, TOTAL Total Bilirubin levels that are abnormally high may occur in individuals with liver and gall bladder disease, sometimes producing jaundice. May be considered normal range 0.2 – 1.2

AST (SGOT) Aspartate Aminotransferase (AST, SGOT) is an enzyme found in the liver and in the cardiac and skeletal muscle. Elevated levels can indicate liver and muscle disorders. May be considered normal range 0-33

ALT (SGPT) Alanine Aminotransferase (ALT, SGPT) is an enzyme found in muscle, cardiac and liver cells. Elevated levels commonly occur with liver disease and are often proportional to the degree of the disease. Normal Range 0-45

GGT (GGTP) Gamma Glutamyl Transpeptidase (GGT, GGTP) is a liver enzyme. Unlike other liver enzymes, GGT is manufactured in the liver of heavy alcohol consumers. GGT will be elevated in up to 70% of long duration (years) heavy alcohol users. It is also released as a result of damaged cell membranes in people with various liver diseases. GGT is often used in alcohol treatment programs to monitor patients' compliance. May be considered Normal Range 0-45.

CDT Carbohydrate - Deficient Transferrin (alcohol marker test) HAA Hemoglobin - Acetaldehyde (alcohol marker test)

Bullet  What does it mean you have elevated liver enzymes?

If you have elevated liver enzymes, all it means is that your liver is irritated. The question in the UW's mind is WHY your liver is irritated. The irritation can be something benign or transitory or due to serious disease.

Bullet  What causes elevated liver enzymes?

Several factors, both benign and serious, can elevate liver enzymes. The following can elevate liver enzymes in some people:

Mega-doses of vitamins, or any dosage greater than the MDR (minimum daily requirement)

Large doses of herbs, dietary supplements and natural products Over the counter medications like Ibuprofen

Prescribed medications such as antibiotics and cholesterol medications

Vigorous exercise

PI is pregnant

Excessive alcohol consumption

Serious disease such as cirrhosis, cancer and Hepatitis

Bullet  Why do elevated liver enzymes sometimes cause premiums to come back at a higher rate?

If the UW does not know the cause of the elevated liver enzymes, they will always assume the cause is disease until it is proven otherwise. As there is a high correlation between chronic liver enzyme elevation and serious disease, the PI will be rated or declined.

Bullet  What if you are able to provide a reasonable explanation for why your liver enzymes are elevated? Will the Underwriter reduce or eliminate the rating?

If you have a reasonable explanation for your elevated readings (i.e. you were taking an antibiotic at the time of the exam, you had just run a marathon, you were taking large amounts of Ibuprofen due to knee injury and pain, etc.) you can ask your agent to ask the UW if they will accept a re-test of your liver enzymes. If you want to have the underwriter re-consider you:

Advise your agent/ underwriter/ carrier this is your intention and that they will agree to Reconsider.

The re-test will be at your expense and doctor of your choice.

You should more than likely include ALL of the tests below in the resubmission:

ALKALINE PHOSPHATASE

BILIRUBIN

AST (SGOT)

ALT (SGPT)

GGT (GGTP)

Doctors do not order all five tests on a routine basis and are likely to miss at least one of them if you do not instruct them. If you submit results that do not include all of the above it is likely they will reject any reconsideration.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Liver Transplant

Likely all carriers will decline. Specialty Insurers may cover you but the premium will be outrageously high!

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Lupus

Lupus is a chronic inflammatory condition caused by autoimmune disease. Autoimmune diseases are illnesses which occur when the body's tissues are attacked by its own immune system. The immune system is a complex organization within the body that is designed normally to fight infections and other foreign invaders. Getting coverage with Lupus is difficult but not impossible. If there is any internal organ involvement, that will likely result in a decline.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Lyme Disease

Lyme Disease is a bacterial illness caused by a bacterium called a "spirochete". Ticks spread Lyme when they bite the skin. Lyme disease can cause abnormalities in the skin, joints, heart and nervous system. Evidence without any cardiac or nervous system involvement is more favorable than if you were to have cardiac and/or neurological abnormalities.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Macular Degeneration

Muscular degeneration is a disease that progressively destroys the macula, the central portion of the retina, impairing central vision. Macular degeneration rarely causes blindness because only the center of vision is affected. However, injury to the macula in the center of the retina can impair the ability to see straight ahead clearly and sometimes make it difficult to read, drive, or perform other daily activities that require fine central vision. Because only the center of a person's vision is usually affected, blindness rarely occurs from the disease. This is generally insurable.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Migraine Headache

A migraine headache is a form of vascular headache. Migraine headaches are caused by a combination of vasodilatation (enlargement of blood vessels) and the release of chemicals from nerve fibers that coil around the blood vessels. During a migraine attack, the temporal artery enlarges. (The temporal artery is an artery that lies on the outside of the skull just under the skin of the temple.) Enlargement of the temporal artery stretches the nerves that coil around the artery and cause the nerves to release chemicals. The chemicals cause inflammation, pain, and further enlargement of the artery. The increasing enlargement of the artery magnifies the pain. Migraine attacks commonly activate the sympathetic nervous system in the body. The sympathetic nervous system is often thought of as the part of the nervous system that controls primitive responses to stress and pain, the so-called “fight or flight” response.

Mild, Moderate and Severe cases can be insurable. Premiums may be escalated.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Military Risk

Are you on active duty? Serve in hazardous areas? Alerted for service in hazardous areas? Are you a reservist on a low hazard assignment? Are you only doing civilian work without risk of deployment? What is your rank? What is your specialty? These cases are looked at on an individual basis.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Mitral Valve Prolapse

Also known as "Barlow's syndrome” is the most common heart valve abnormality, affecting five to ten percent of the world population. A normal mitral valve consists of two thin leaflets, located between the left atrium and the left ventricle of the heart. Mitral valve leaflets, shaped like parachutes, are attached to the inner wall of the left ventricle by a series of strings called "chordae." When the ventricles contract, the mitral valve leaflets close snugly, preventing backflow of blood from the left ventricle into the left atrium. When the ventricles relax, the valves open to allow oxygenated blood from the lungs to fill the left ventricle.

An asymptomatic MVP means there are no palpitations, no arrhythmia or rapid heartbeat, no fainting, no dizziness or shortness of breath, and no chest pains.

Bullet  What medications are you taking? (if any); Do you have regurgitation? Will likely rate you based on an echocardiogram.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Mitral Valve Replacement

A mitral valve is a valve in the heart situated between the left atrium and the left ventricle that permits blood to flow from the left atrium into the left ventricle but not in the reverse direction.

You will likely be postponed with the replacement, artificial or porcine, are within 1 year.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Valvular Heart Disease

Bullet  What type of valve replacement or procedure was done? (Was a mechanical valve or tissue valve graft used?)

Bullet  Were one of more valves replacement?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Multiple Sclerosis

Multiple Sclerosis is a disease in which the nerves of the central nervous system (brain and spinal cord) degenerate. Myelin, which provides a covering or insulation for nerves, improves the conduction of impulses along the nerves and also is important for maintaining the health of the nerves. In MS, inflammation causes the myelin to degenerate and eventually disappear. Consequently, the electrical impulses that travel along the nerves decelerate. Late in the disease, the nerves themselves are damaged.

There are two courses over time that MS can take, either relapsing-remitting or progressive. A relapsing-remitting course consists of periodic attacks followed by periods of near remission. A progressive course is characterized by chronic deterioration of the neurological status and carries a poor prognosis. MS is a difficult to underwrite but not impossible. Be prepared for high premiums.

Bullet  Age at time of onset of MS? When did the first symptoms appear? This is when theclock starts on age of onset. This could be years before the formal diagnosis.

Bullet  What is the degree of impairment? i.e. can the PI walk without assistance? Or do theyrequire a cane, wheelchair or walker?

Bullet  Date of last MS “flair” or “attack?” How frequent are these attacks?

Bullet  When there is a flare-up, what are the symptoms? (Numbness, difficulty speaking, difficulty talking, etc.)

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Muscular Dystrophy

Typically this will result as a decline. Try a specialty risk type carrier and be prepared for very high premiums.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Narcolepsy

Narcolepsy is a chronic (long lasting) disease of the brain (central nervous system). Excessive daytime sleepiness (EDS) is the main symptom and is present in 100% of patients with narcolepsy. The other primary symptoms of narcolepsy include loss of muscle tone (cataplexy), distorted perceptions (hypnagogic hallucinations), and inability to move or talk (sleep paralysis). Additional symptoms include disturbed nocturnal sleep and automatic behavior. All of the symptoms of narcolepsy may be present in various combinations and degrees of severity. Narcolepsy begins (has its onset) usually in teenagers or young adults and affects both sexes equally. The first symptom to appear is EDS, which may remain unrecognized for a long time in that it develops gradually over time. The other symptoms can follow EDS by months or years.

Bullet  What is the cause?

Bullet  If known or unknown you may still be able to get coverage. Is it controlled, stable and not progressive?

Bullet  Are you incapacitated?

Bullet  Are there any other significant impairments?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet OCD - Obsessive Compulsive Disorder

OCD is a neurosis is a disorder of personality and behavior, which, like the personality disorders, has its origin in childhood. It is a lifelong disorder.

Neurotic people have characteristic traits. They are sensitive, suggestible and introspective. They feel inadequate and inferior and tend to overcompensate for this in various ways.

The principal manifestations of neurosis include excessive anxiety, hysterical symptoms, phobias, obsessive and compulsive symptoms and depression.

Bullet  Have you ever been hospitalized for OCD?

Bullet  Does your OCD interfere with your ability to work?

Bullet  What medications do you take?

Bullet  Have you lost time from work? Been hospitalized or on disability?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Pacemaker

A pacemaker is an electronic device used to treat patients who have symptoms caused by abnormally slow heartbeats. A pacemaker is capable of keeping track of the patient's heartbeats. If the patient's heart is beating too slowly, the pacemaker will generate electrical signals similar to the heart's natural signals, causing the heart to beat faster. The purpose of the pacemaker is to maintain heartbeats so that adequate oxygen and nutrients are delivered through the blood to the organs of the body.

Bullet  How much time has passed since the procedure?

Bullet  What age were you at the onset?

Bullet  Other cardiovascular impairments?

Bullet  Was it with congestive heart failure, cardiomyopathy?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Paranoia

Bullet  Have there been no hospitalization, suicidal thoughts or attempts? Ever?

Bullet  Are you currently employed?

Bullet  Is there a history of psychotic episodes or depression?

Bullet  Any attempts at self mutilation?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Paraplegia

Bullet  What parts of your body are paralyzed? i.e. one arm or leg, both legs, on side of the body, etc.

Bullet  What caused the paralysis?

Bullet  How long have you been paralyzed?

Bullet  Are your bowel and bladder functions under control?

Bullet  If your bowel or bladder function is impaired, which is impaired?

Bullet  If bowel or bladder function is impaired, have there been any complications? I.e. bladder infections, etc.?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Parkinson's Disease

Parkinson's Disease is a degenerative disease of a part of the brain called the substantia nigra. In patients with Parkinson's disease, this part of the brain (that normally helps control motion) slowly stops working. Parkinson's disease generally affects people who are elderly, but on occasion Parkinson's disease occurs in people in their 40s.

Most cases of Parkinson's disease do not seem to be inherited in a Mendelian fashion. There are now, however, 8 inherited forms, some dominant, some recessive. The most common appears to be due to mutations in parkin (the Parkin gene mutation on chromosome 6), which leads to recessive early-onset Parkinson's disease with dystonia.

Parkinson's disease has several classic symptoms including tremor, stiffness of the limbs, mask like face, gait disturbance (difficulty walking), and dementia.

Bullet  Is the abnormality caused by inflammation of the brain?

Bullet  How long has it been?

Bullet  Do you have syphilis of the central nervous system or tertiary (3 rd stage) syphilis?

Bullet  Syphilis of the central nervous system or tertiary [3 rd stage] syphilis?

Bullet  Is Arteriosclerosis present with no other evidence of cardiovascular-renal disease?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Phlebitis - Thrombophlebitis, Deep Vein Thrombosis

A condition in which there is both inflammation and a blood clot in a vein. Thrombophlebitis can occur in either superficial or deep veins.

Coverage probably available for full recovery, no current swelling, no pulmonary thrombosis and at least a few years since the last episode.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Polio

Polio is an acute viral infection in which only a small percentage of those infected develop clinical signs such as fever, stiff neck and sometimes paralysis of various muscle groups.

Recovery with minimal to moderate residuals, arms or legs, bowel and bladder function normal, little interference with occupation. Marked residuals, wheelchair for locomotion, bladder and bowel function under nervous system control.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Polycystic Kidney Disease

Polycystic Kidney Disease is a disorder that is characterized by the growth of numerous cysts in the kidneys. The cysts are filled with fluid. PKD cysts can replace much of the mass of the kidneys, thereby reducing kidney function and leading to kidney failure.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Post Traumatic Stress Disorder - PTSD

PTSD is a pattern of behavior that develops after a traumatic event. A traumatic event in this context is defined as one that may bring serious injury or death to oneself or to another person. Traumatic events capable of causing post-traumatic stress disorder include kidnapping, natural disasters [hurricanes, earthquakes, tornadoes, floods, etc], physical and sexual abuse, combat, drug abuse, and near-death experiences.

Bullet  Have you been hospitalized in the last 10 years? If yes, how many times? When? How long were you hospitalized?

Bullet  Does the PTSD prevent you from working? Are you on disability? If yes, you may be declined.

Bullet  Do you have any history of suicide attempts?

Bullet  Do you have any history of drug or alcohol abuse?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Pregnancy

There are carriers that will underwrite you until your 8 th month. It usually not best that you submit to underwriting pass the 1st trimester. Typically the weight number used will be PRE – PREGNANCY. Things to consider:

Bullet  Are there any complications during any previous pregnancy?

Bullet  Is there Gestational diabetes or Toxemia present?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Prostate, Enlarged

A non-cancerous condition that affects many men past 50 years of age enlarged prostate makes urinating more difficult by narrowing the urethra, a tube running from the bladder through the prostate gland. It can be effectively treated by surgery and, today, by certain drugs.

Prostate Specific Antigen (PSA) is a protein produced by the prostate gland. While it is normal for PSA to increase as a man ages, sudden or dramatic increases in PSA is not normal and can be a sign of cancer or other disease of the prostate.

Bullet  PSA is <4.0 and has remained stable, typically insurable.

Bullet  PSA is 4.0 to 6.0 and has remained stable, typically insurable

Bullet  PSA is 6.1 to 9.9, can be insurable

Bullet  PSA is 10 or greater, if insurable, very high premiums.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Quadraplegia

In most cases, you may be declined. However, it is not unheard of to be insurable.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Sarcoidosis

Sarcoidosis is a disease that results from inflammation of tissues of the body. It can appear in almost any body organ, but most often starts in the lungs or lymph nodes. The cause of sarcoidosis is unknown. The disease can appear suddenly and disappear. Or it can develop gradually and go on to produce symptoms that come and go, sometimes for a lifetime. Consider a clear chest x-ray, no current medications, and steroid use?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Schizophrenia

Schizophrenia is a term used to describe a complex, extremely puzzling condition, the most chronic and disabling of the major mental illnesses. Schizophrenia may be one disorder, or it may be many disorders, with different causes. Because of the disorder's complexity, few generalizations hold true for all people who are diagnosed as schizophrenic.

Bullet  Have you ever been hospitalized? When? For how long?

Bullet  Will your records indicate any suicide attempts?

Bullet  Have you ever been treated for drug or alcohol abuse?

Bullet  Do you work?

It is likely you will be declined if you have any of the following:

  • They have attempted suicide in the last ten years
  • They have been hospitalized in the last two years
  • They have been treated for drugs or alcohol in the last five to ten years
If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114
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Bullet Sleep Apnea

Sleep Apnea refers to interruption of breathing during sleep. Apnea is a Greek word that means "want of breath." The most common form of sleep apnea is obstructive sleep apnea. In obstructive sleep apnea, the muscles of the soft palate around the base of the tongue and the uvula relax, obstructing the airway. The airway obstruction causes the level of oxygen in the blood to fall (hypoxia), increases the stress on the heart, elevates blood pressure, and prevents the patient from entering "REM sleep," the restful and restorative stage of sleep. In other words, sleep apnea causes deprivation of quality sleep.

Bullet  What is your weight?

Bullet  Are you complying with doctor's orders?

Bullet  Do you have weight issues?

Bullet  If your doctor recommended a CPAP, do you use it? Has a sleep study been done? (Have the name of the facility and physician that conducted the study. The Underwriter, typically, will want to see the results.

Your oxygen saturations and Apnea Index will be key in determining your underwriting class.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Social Security Numbers

There are some carriers that do not require you to reveal your social security number. However, be prepared for higher premiums. There are carriers that do not require social security numbers. Contact your ShopTermQuotes.Com agent to discuss your options.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Stroke (Cerebral Vascular Accident; Aneurysm)

A brain disorder caused by an abnormal process in one or more blood vessels that supply the brain. Possible causes include:

Bullet  Thrombosis (stationary blood clot)

Bullet  Hemorrhage (ruptured artery)

Bullet  Embolism (blood clot that travels to another part of the body)

Usually more favorable situations have:


Minimal or no residual affects like difficulties with speech or memory, weakness in limbs, etc.

1)Five or more years since episode

2) Single episode

3) Normal Blood Pressure

Typically less favorable cases will have

) Moderate neurological defects

2) High Blood Pressure

3) 2-5 years since episode

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Tachycardia

A rapid heart rate, usually defined as greater than 100 beats per minute.

The tachycardias include sinus tachycardia, paroxysmal atrial tachycardia [PAT], and ventricular tachycardia

Bullet How many attacks? What are the durations of them?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Graves Disease (Hyperthroid)

A condition in which there is an excessive amount of thyroid hormones circulating in the blood because of an overactive thyroid gland.

"Hyper" means "over" in Greek. Thyrotoxicosis is a term that refers to a toxic condition that is caused by an excess of thyroid hormones from any cause.

Bullet Were you cured by radiation or surgery? How long has it been since the procedure?

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet TIA -Transient Ischemic Attack – (sometimes called a Mini Stroke)

This is typically underwritten the same as a “stroke”

A TIA is a transient ischemic attack is a short-lived episode (less than 24 hours) of temporary impairment to the brain that is caused by a loss of blood supply. A TIA causes a loss of function in the area of the body that is controlled by the portion of the brain affected. The loss of blood supply to the brain is most often caused by a clot that spontaneously forms in a blood

vessel within the brain (thrombosis). However, it can also result from a clot that forms elsewhere in the body, dislodges from that location, and travels to lodge in an artery of the brain (emboli).

Note: If you went to the ER for heat exhaustion and you are in a age range where a TIA would be the simpleset diagnosis for you BUT, it was actually not. Please have your Doctor correct your medical records to reflect the appropriate diagnosis. This misdiagnosis results in a large percentage of cases being declined or heavily rated.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Travel

Insurance carriers vary widely on this underwriting topic. Consider Future Travel and Past Travel.

Future Travel
If the US State Department has a Travel Warning posted on the country you are planning to travel to; wait until you return. Some carriers will proceed with underwriting depending on the amount of time you are spending in the respective country, what region of the country, how long and the reason you are going.
Past Travel
If country you traveled is currently considered "dangerous," and has no future travel plans and can honestly answer the application question regarding travel "no," then you should submit your application for underwriting.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Visas (Non-Immigrant)

Type/Description

A-1 Foreign government official

A-2 Foreign government employee and members of immediate family.

A-3 Personal employee of A-1 or A-2 and members of immediate family

B-1 Temporary visitor for business. "Business" does not include accepting employment in the United States and can be

reimbursed for actual travel and per diem expenses only.

B-2 * Temporary visitor for pleasure and cannot receive any type of payments.

C-1 *, Aliens in travel status while traveling directly through the United States.

C-2 * C-3 *

D-1 Alien crewman on shore leave or transferring to another vessel or aircraft. In no event may the time limit exceed 200 days

accepting employment in the United States is grounds for deportation.

E-1 Aliens who conduct trade or inventories between the United States and the foreign state of which he/she is a national, and

immediate family.

E-2 Treaty investors and immediate family.

F-1 Students admitted to attend a specified school. Students may accept employment on campus, but they may accept off campus employment only with written permission from the U.S. Immigration Service. If they fail to maintain their student status, they

are subject to deportation.

F-2 * Immediate family of student - may not accept employment.

G-1, Representatives and personnel of international organizations and immediate family.

G-2 G-3 G-4 G-5

H-1 A visitor of distinguished merit and ability to perform temporary services of an exceptional nature.

H-2 Temporary worker performing services unavailable in the United States.

H-3 Trainee

H-4 * Spouse or child of alien classified H-1, H-2, or H-3 - may not accept employment.

I Members of foreign press, radio, film or other information media.

J-1 Exchange of visitors who are in the U.S. under a Department of State approved program for study, teaching, research or

training.

J-2 Spouse or child of J-1 - may request permission for employment from U.S Immigration Office

K-1 Fiancée - person must marry U.S. citizen within 90 days of entry into U.S.

L-1 Intercompany transferee

L-2 * Immediate family of L-1.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet H1B Visa (Residency)

Some carriers will consider a foreign national who has been in the country legally for at least 2 years, who is employed and has the intention of remaining in the States indefinitely. The biggest issue is the country of origin. If it has a State Department Travel Advisory against it, you do not have a favorable situation.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Residency: No Green Card

Typically a decline, underwriting may consider the case in some circumstances. Different insurance carriers have different views on this.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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Bullet Wolff-Parkinson-White Syndrome

WPW represents an abnormality of the heart's electrical system. In patients with WPW, there is an extra electrical connection between the atria [the upper chambers] and the ventricles [the lower chambers]. This abnormal electrical connection can cause episodes of rapid heart rhythms called paroxysmal atrial tachycardia, pre-excited tachycardia, or pre-excited atrial fibrillation. The syndrome usually occurs without other heart abnormalities. However, WPW has infrequently been associated with rare heart conditions such as Ebstein's anomaly and hypertrophic cardiomyopathy.

Consider no current symptoms or history of trachycardia (rapid heart beat). Coverage is still possible with a history of tachycardia.

If you have an impaired risk, we encourage you to complete the appropriate impaired risk form. When granted the privilege to work for you; we will look at the bigger picture and provide creative solutions in easy to understand language. We look forward to your email and/or call. 1-800-264-8114

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The Underwriting Knowledge Datebase is provided on ShopTermQuotes.com 's website as general information, and is not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, governmental, or other professional advice. ShopTermQuotes.Com does not endorse, and expressly disclaims liability for any content expressed in the website.