 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.
 When were you diagnosed with claudication and how was it treated?
Have you undergone any lifestyle changes? [i.e. stopped smoking, started exercising, lost weight, lowered cholesterol and Blood Pressure]?
What medications are you taking? [An aspirin a day is common, blood pressure and cholesterol medications are common treatments to be used.
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.
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.
Do you smoke? If yes, this will likely result in a decline.
Do you require oxygen?
Are you taking any medications?
Is your COPD the result of environmental exposure? [example, asbestos]
Do you have any functional limitations as a result of COPD? If yes, this will likely result in a decline.
Do you have a history of heart disease? i.e. angina, myocardial infarction coupled with
moderate COPD will likely result in a decline.
Have you undergone any changes in lifestyle including some form of pulmonary rehabilitation?
Have you had a normal EKG? If yes, this is a favorable factor.
Have you had an EKG with any right ventricular changes? If yes, this will likely result in a decline.
Have you had relatively stable pulmonary function tests? PFT's? If yes, this is a favorable factor.
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.
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.
When were you diagnosed? What exactly was your diagnosis?
What medications are you taking?
When was your last flare up? How often to you have flares?
Has you doctor recommended intestinal surgery or resection of bowel?
If you had surgery, when was it? Have you had any symptoms since the surgery? Are medications still required?
What was the date of your last colonoscopy? What was the result?
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.
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.
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.
What is the date of the diagnosis?
What type of pathology? Hyperplastic? Tubular? Tublovillous? Villous?
Any history of colorectal cancer?
What was the size of the polyps?
Have the polyps been removed?
When was your last colonoscopy?
Do you use tobacco products?
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.
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.
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.
When was your last flare-up? [Flare-ups usually involve abdominal pain and bloating, bloody diarrhea, vomiting, etc.]
How often do you have flare-ups?
Have you had surgery? When was your last surgery? Since the surgery, have there been any flare-ups?
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.
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).
If you are disability due to depression, it is likely you will be declined.
Are there any suicidal gestures in your medical records?
Any hospitalizations?
Treated as Outpatient?
Inpatient?
Reactional Depression?
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.
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.
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.
At what age were you diagnosed?
What is your A1C?
Is your blood pressure and cholesterol controlled?
Do you smoke?
Do you have height/weight issues?
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.
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.
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.
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.
Severe or mild episodes?
Recurrent episodes with full recovery?
Successful surgical intervention with uncomplicated post – op course and full recovery?
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.
DUI
How many?
How long ago?
Are current liver enzymes normal?
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.
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.
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.
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.
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
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
If not Epilepsy, is the cause of the seizures known?
When was your last seizure?
What kinds of seizures do you have, petit or grand mal?
When were you diagnosed?
What meds are you taking?
Can you drive?
Are you able to work?
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
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
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.
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
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
Felonies
If you are on probation or parole, they will be postponed until the probation or parole is complete.
What was the charge?
What was the sentence?
How much jail time was done?
When was the incident?
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
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.
Can you perform normal duties?
Were you treated with anti-inflammatory medications only or with steroids as well?
Steroids will likely be less favorable. Are you on disability?
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
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.
Were their any complications?
Infections?
Do you have normal liver functions or elevated liver functions?
Have you acquired a “dumping” syndrome?
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 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
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.
What complications exist, if any, due to the gout?
Can you perform your daily duties?
What medications do you take?
At what age did you have the onset of gout?
Any evidence of alcohol abuse?
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
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
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.
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
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.
Any medical impairments?
How old were you at onset? Tobacco use?
Other significant medical history? i.e. diabetes, cerebrovascular disease?
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 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
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.
When were you diagnosed?
When did you last have your liver enzymes tested and what were the results?
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
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.
Are you fully recovered?
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.
Are you an asymptomatic healthy carrier or do you have the chronic disease?
Are your liver functions normal? What is your ALT?
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
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.
When were you diagnosed? [The longer ago the better.]
Have you had a liver biopsy? If so, when? Was fibrosis or inflammation discovered?
Do you have any symptoms? [malaise/fatigue]
What are your current ALT? What is your liver enzyme history?
Are you taking anti-viral medications? [interferon or ribavirin are the most common meds] If yes, for how long?
If you are taking or have taken medication, do you know if you were a “positive responder? Are you liver enzymes normal now?
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
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
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
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.
When were you diagnosed?
What medications are you taking?
When was your last flare up?
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
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.
When was your last occurrence?
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
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
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)
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.
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
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.
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
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
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
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
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
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
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
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.
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
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
Valvular Heart Disease
What type of valve replacement or procedure was done? (Was a mechanical valve or tissue valve graft used?)
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
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.
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.
What is the degree of impairment? i.e. can the PI walk without assistance? Or do theyrequire a cane, wheelchair or walker?
Date of last MS “flair” or “attack?” How frequent are these attacks?
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
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
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.
What is the cause?
If known or unknown you may still be able to get coverage. Is it controlled, stable and not progressive?
Are you incapacitated?
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
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.
Have you ever been hospitalized for OCD?
Does your OCD interfere with your ability to work?
What medications do you take?
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
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.
How much time has passed since the procedure?
What age were you at the onset?
Other cardiovascular impairments?
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
Paranoia
Have there been no hospitalization, suicidal thoughts or attempts? Ever?
Are you currently employed?
Is there a history of psychotic episodes or depression?
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
Paraplegia
What parts of your body are paralyzed? i.e. one arm or leg, both legs, on side of the body, etc.
What caused the paralysis?
How long have you been paralyzed?
Are your bowel and bladder functions under control?
If your bowel or bladder function is impaired, which is impaired?
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
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.
Is the abnormality caused by inflammation of the brain?
How long has it been?
Do you have syphilis of the central nervous system or tertiary (3 rd stage) syphilis?
Syphilis of the central nervous system or tertiary [3 rd stage] syphilis?
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
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
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
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
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.
Have you been hospitalized in the last 10 years? If yes, how many times? When? How long were you hospitalized?
Does the PTSD prevent you from working? Are you on disability? If yes, you may be declined.
Do you have any history of suicide attempts?
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
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:
Are there any complications during any previous pregnancy?
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
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.
PSA is <4.0 and has remained stable, typically insurable.
PSA is 4.0 to 6.0 and has remained stable, typically insurable
PSA is 6.1 to 9.9, can be insurable
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
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
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
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.
Have you ever been hospitalized? When? For how long?
Will your records indicate any suicide attempts?
Have you ever been treated for drug or alcohol abuse?
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
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.
What is your weight?
Are you complying with doctor's orders?
Do you have weight issues?
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
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
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:
Thrombosis (stationary blood clot)
Hemorrhage (ruptured artery)
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
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
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
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.
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
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
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
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
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
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
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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