Page 1 - Uninsurable-Preexisting-Conditions
P. 1
Uninsurable Preexisting Conditions
Underwriting guidelines
Additional underwriting, including a prescription drug check, and a live phone verification (PV) is
required on all benefit amounts over $50,000. Amounts under $50,000 will be at the discretion of the
underwriter. A maximum of $100,000 may be issued to each of the following categories: Cancer, Heart
Attack & Stroke, and Specified Disease (Base and Riders).
The underwriter will make the final determination in all cases.
HIV/AIDS
Medical conditions including; but not limited to, those listed below are not insurable for any coverage:
a. Acquired immune deficiency syndrome (AIDS)
b. AIDS related complex (ARC)
c. Human immunodeficiency syndrome (HIV)
Cancer
Medical conditions including, but not limited to, those listed below are not insurable for any coverage
under the base policy/rider if the customer has been diagnosed or received medical advice or treatment
within the last 10 years:
a. Internal cancer
b. Melanoma
c. Malignant tumors
d. Carcinoma in situ, although it does not include nonmelanoma skin cancers, premalignant
lesions, or benign tumors or polyps
e. Blood cancer including; but not limited to:
i. Leukemia
ii. Lymphoma
iii. Non–Hodgkin’s lymphoma
iv. Myelodysplastic syndrome
v. Myeloma
vi. Myeloproliferative Disorders; including but not
vii. limited to:
viii. Polycythemia vera
ix. Chronic idiopathic myelofibrosis
x. Essential thrombocythemia
Heart Attack & Stroke
Medical conditions including, but not limited to those listed below are not insurable for any coverage
under the base policy/rider if the customer has been diagnosed or received medical advice or treatment
within the last 10 years.
Underwriting guidelines
Additional underwriting, including a prescription drug check, and a live phone verification (PV) is
required on all benefit amounts over $50,000. Amounts under $50,000 will be at the discretion of the
underwriter. A maximum of $100,000 may be issued to each of the following categories: Cancer, Heart
Attack & Stroke, and Specified Disease (Base and Riders).
The underwriter will make the final determination in all cases.
HIV/AIDS
Medical conditions including; but not limited to, those listed below are not insurable for any coverage:
a. Acquired immune deficiency syndrome (AIDS)
b. AIDS related complex (ARC)
c. Human immunodeficiency syndrome (HIV)
Cancer
Medical conditions including, but not limited to, those listed below are not insurable for any coverage
under the base policy/rider if the customer has been diagnosed or received medical advice or treatment
within the last 10 years:
a. Internal cancer
b. Melanoma
c. Malignant tumors
d. Carcinoma in situ, although it does not include nonmelanoma skin cancers, premalignant
lesions, or benign tumors or polyps
e. Blood cancer including; but not limited to:
i. Leukemia
ii. Lymphoma
iii. Non–Hodgkin’s lymphoma
iv. Myelodysplastic syndrome
v. Myeloma
vi. Myeloproliferative Disorders; including but not
vii. limited to:
viii. Polycythemia vera
ix. Chronic idiopathic myelofibrosis
x. Essential thrombocythemia
Heart Attack & Stroke
Medical conditions including, but not limited to those listed below are not insurable for any coverage
under the base policy/rider if the customer has been diagnosed or received medical advice or treatment
within the last 10 years.
