FINAL EXPENSE UNDERWRITING CHEAT SHEET

Question 1

What is your approximate Height and Weight?

Answer 1

Extremely Overweight: Royal Neighbors of America /Aetna / Accendo

Question 2

Have you used Tobacco in the last 12 months?

Answer 2

Cigarettes: Americo;

Cigars and Pipe: American Amicable;

Chewing Tobacco: Prosperity

Question 3

Do you use Oxygen or are you confined to a Wheelchair?

Answer 3

Daily Oxygen: AIG or Great Western

Occasional Oxygent: GTL

Confined to a wheelchair because of Accident: American Amicable or LBL

Confined to Wheelchair: GTL, AIG, Great Western

Question 4

Have you been hospitalized in the last 12 months?

Answer 4

Hospitalized last 12 months (more than five days): American Amicable or Royal Neighbors

Question 5

Any history or Cancer, Heart Attack, Stroke, or Congestive Heart Failure, Kidney Disease, HIV/AIDs, Hep C?

Answer 5

Cancer in last 24 months: AIG or
Great Western;

Congestive Heart Failure (CHF): GTL

Chronic Kidney Disease: SBLI

Kidney Dialysis: AIG or Great Western

HIV/AIDS: AIG or Great Western;

Hep C: SBLI or RNA if no treatment and cured for 2+ years.

Question 6

Do you COPD or Asthma?

Answer 6

COPD and Smoker: GTL

COPD nonsmoker / Asthma for level: LBL, SBLI, Aetna / Accendo

Question 7

Do you have diabetes? Any amputations? Neuropathy?

Answer 7

Diabetic Amputation: AIG or GW; 2+ years Trinity / FBL or Prosperity

Question 8

Any Depression, bi-Polar, Schizophrenia, Dementia, or Seizures?

Answer 8

Depression, Bi-Polar, Schizo: AmAm, RNA, LBL

Dementia: AIG or Great Western

Seizures: Prosperity

Question 9

Do you have Lupus, Parkinson’s Disease, MS, or Sickle Cell?

Answer 9

If yes, SBLI

Question 10

Do you take any medications, if so, for what?

Answer 10

if for Lupus, Parkinson’s Disease, MS, or Sickle Cell : SBLI