Agent Resources

FE Underwriting Guide

Quickly compare underwriting outcomes across all 6 carriers for any health condition. Search by condition, filter by category, or browse by carrier.

Level / Preferred / SelectStandardGraded / BasicROPModifiedGIDecline

112 results

Condition	Am. Amicable	Foresters	Mut. Omaha	TransAmerica	Aetna	Royal Neighbors
Alcohol or Drug Abuse <3 yrs, >2 yrs since last treatment Behavioral Health	Level	Preferred	Level	Select	Preferred	>3 yrs = Standard
Alcohol or Drug Abuse <2 yrs, >1 yr since last treatment Behavioral Health	ROP	Basic	Graded	Decline	Modified	Graded or GI
Alcohol or Drug Abuse Under 1 year since treatment Behavioral Health	ROP	Basic	Graded	Decline	Modified	GI
ALS Neurological	Level	Decline	Decline	Decline	Decline	GI
Alzheimer's / Dementia Neurological	Decline	Decline	Decline	Decline	Decline	GI
Dementia Neurological	Decline	Decline	Decline	Ever	Decline	GI
Cerebral Palsy Neurological	<3 yrs = ROP	Preferred	Level	Decline	Decline	PreferredStandard
Epilepsy / Seizures Neurological	<3 yrs = Graded	Preferred	Level	Select	Preferred	PreferredStandard
Huntingtons Disease Neurological	Level	Preferred	Decline	Decline	Decline	PreferredStandard
Multiple Sclerosis Neurological	<3 yrs Graded>3 yrs Level	Preferred	>4 yrs Level<4 yrs Graded	Select	Decline	Standard
Muscular Dystrophy Neurological	<3 yrs Graded>3 yrs Level	Preferred	Decline	Graded	Decline	PreferredStandard
Parkinson's Neurological	<3 yrs = Graded	Standard	>4 yrs Level<4 yrs Graded	Select	Standard	Standard
Aneurysm Under 2 years Cardiovascular	<2 yrs ROP	Basic	Level	Select	<1 yr Modified	<1 yr Graded/GI
Aneurysm Over 2 years Cardiovascular	<3 yrs Graded>3 Level	Preferred	Level	Select	>1 yr Standard>2 yrs Preferred	>1 yr Standard
Angina (Chest Pain) Cardiovascular	<2 yrs ROP<3 yrs Graded	<1 yr Basic<2 yrs Graded>2 yrs Preferred	Level	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	PreferredStandard
Angioplasty Cardiovascular	<2 yrs ROP<3 yrs Graded	<1 yr Basic<2 yrs Graded>2 yrs Preferred	>2 yrs Level<2 yrs Graded	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	<2 yrs GradedGI
Atrial Fibrillation (AFIB) >2 yrs controlled, no treatment Cardiovascular	Level	Preferred	Level	Select	Preferred	PreferredStandard
Atrial Fibrillation (AFIB) Under 2 years Cardiovascular	Level	Preferred	Graded	Select	Preferred	PreferredStandard
Cardiomyopathy Cardiovascular	<2 yrs = ROP	Decline	>2 yrs Level<2 yrs Graded	Graded	<1 yr Modified>1 yr Standard>2 yrs Preferred	>2 yrs Standard<2 yrs Graded/GI
Congestive Heart Failure >1 yr / <2 yrs (no treatment) Cardiovascular	Decline	Decline	Decline	Select	Decline	GI
Congestive Heart Failure >2 yrs (no treatment) Cardiovascular	Decline	Decline	Decline	Select	Decline	GI
Coronary Artery Disease (CAD/PAD) Cardiovascular	Level	Preferred	Graded	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	>2 yrs Standard<2 yrs Graded/GI
Heart Attack >2 yrs, maintenance meds Cardiovascular	<2 yrs ROP<3 yrs Graded>3 yrs Level	Preferred	Level	Select	Preferred	—
Heart Attack <2 yrs, >1 yr Cardiovascular	ROP	Standard	Graded	Select	Standard	—
Heart Attack Under 1 year Cardiovascular	ROP	Basic	Graded	Select	Modified	—
Irregular Heart Rhythm (AFIB) Cardiovascular	Level	Preferred	>2 yrs Level<2 yrs Graded	Select	Preferred	PreferredStandard
PAD / PVD Cardiovascular	Level	Preferred	Graded	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	Unclear
Defibulator Implant Cardiovascular	<2 yrs ROP	<1 yr Basic<2 yrs Graded>2 yrs Preferred	Decline	Decline	<1 yr Modified>1 yr Standard>2 yrs Preferred	GI
Pacemaker Cardiovascular	<2 yrs ROP	<1 yr Basic<2 yrs Graded>2 yrs Preferred	>2 yrs Level<2 yrs Graded	Undetermined	<1 yr Modified>1 yr Standard>2 yrs Preferred	>1 yr Standard<1 yr Graded/GI
Cancer >5 years since treatment Cancer	Level	Preferred	Level	Select	Preferred	Standard
Cancer >4 years since last treatment Cancer	Level	Preferred	Level	Select	Preferred	GradedGI
Cancer <4 yrs, >2 yrs since last treatment Cancer	>3 yrs = Level	<3 yrs = Basic	>2 yrs Dx & >4 yrs no tx = Level	Graded	Preferred	GradedGI
Cancer <2 yrs, >1 yr since last treatment Cancer	ROP	Basic	Graded	Decline	Decline	GradedGI
Cancer Under 1 year since last treatment Cancer	ROP	Current = Decline	Graded	<1 yr or Never Treated = Decline	Decline	GradedGI
Cancer Multiple Occurrences / Metastasis Cancer	ROPDecline	Decline	Decline	Decline	Decline	GI
Melanoma Cancer	See Cancer	See Cancer	See Cancer	See Cancer	See Cancer	See Cancer
Asthma (Chronic) Respiratory	Level	Preferred	Level	Select	Preferred	Standard
Bronchitis (Chronic) Respiratory	<2 yrs ROP<3 yrs Graded	Standard	Graded	Select	Ever = Standard	Standard
COPD Respiratory	<2 yrs ROP<3 yrs Graded	Standard	Graded	Select	(Ever) = Standard	Standard (Non-tob only)
Emphysema (Chronic) Respiratory	<2 yrs ROP<3 yrs Graded	Standard	Graded	Select	(Ever) = Standard	Standard
Oxygen Use Respiratory	Decline	<12 mo Decline>12 mo Preferred	Decline	Within 12 mo GradedAfter 12 mo Select	<1 yr (except Sleep Apnea) = Decline	GI
Pulmonary Fibrosis Respiratory	Level (Check Rx for COPD)	Preferred	Level (Check Rx for COPD)	Decline	Decline	PreferredStandard
Lung Disease – Nebulizer Use Respiratory	<2 yrs ROP<3 yrs Graded>3 yrs Level	Standard	Graded	Select	Standard	Standard
Diabetes – No Insulin, No Complications Diabetes / Metabolic	Level	Preferred	Dx before 45 = Gradedat or after 45 = Level	Select	Preferred	Standard
Diabetes – Insulin Dependent, No Complications Diabetes / Metabolic	Insulin prior to age 50 = ROP	Preferred	Dx before 45 = Gradedat or after 45 = Level	Select	Preferred	Standard
Diabetes – Complications (Neuropathy, Retinopathy, etc.) Diabetes / Metabolic	ROP	Basic	Graded	Select	Modified	w/o Insulin = Standardw/ Insulin = Graded/GI
Dialysis Diabetes / Metabolic	Decline	Decline	Decline	Within 12 mo GradedAfter 12 mo Select	<1 yr = Decline	GI
Neuropathy – Diabetic Diabetes / Metabolic	ROP	Basic	Graded	Select	Modified	No Insulin = StandardInsulin = Graded/GI
Neuropathy – Non-Diabetic Diabetes / Metabolic	Level	Preferred	Level	Select	Preferred	PreferredStandard
Kidney Failure with Dialysis – Under 1 year Kidney / Liver	ROP	Decline	Decline	Graded	Decline	GI
Kidney Failure with Dialysis – 1–4 years Kidney / Liver	ROP	Decline	Decline	Select	<2 yrs Modified>2 yrs Preferred	Graded
Kidney Failure with Dialysis – Over 4 years Kidney / Liver	ROP	Decline	Decline	Select	<2 yrs Modified>2 yrs Preferred	Graded
Kidney Failure – No Dialysis Kidney / Liver	ROP	Standard	>4 yrs Level<4 yrs Graded	<2 yrs Decline>2 yrs Select	<2 yrs Modified>2 yrs Preferred	GradedGI
Cirrhosis Kidney / Liver	<2 yrs ROP<3 yrs Graded	Standard	Decline	Graded	<2 yrs Modified>2 yrs Preferred	GI
Hepatitis A & B Kidney / Liver	<2 yrs ROP<3 yrs Graded>3 yrs Level	Standard	Level	Select	<2 yrs Modified>2 yrs Preferred	—
Hepatitis C Kidney / Liver	<2 yrs ROP<3 yrs Graded>3 yrs Level	Standard	Graded	Select	<2 yrs Modified>2 yrs Preferred	—
Lupus (SLE) Kidney / Liver	ROP	Standard	>4 yrs Level<4 yrs Graded	Select	Standard	GI
Bipolar Disorder / Schizophrenia >3 yrs, no hospitalization or treatment Mental Health	Level	Preferred	>4 yrs = Level	Select	Preferred	Standard
Bipolar Disorder / Schizophrenia <3 yrs, >2 yrs since last treatment Mental Health	Level	Preferred	Graded	Select	Preferred	Standard
Bipolar Disorder / Schizophrenia <2 yrs, >1 yr Mental Health	Level	Preferred	Graded	Select	Preferred	Standard
Bipolar Disorder / Schizophrenia Under 1 year Mental Health	Level	Preferred	Graded	Select	Preferred	GradedGI
Depression Mental Health	Level	Preferred	Mild = LevelMajor = Graded	Select	Preferred	PreferredStandard
PTSD Mental Health	Level	Preferred	Graded	Select	Preferred	PreferredStandard
Schizophrenia Mental Health	Level	Preferred	Graded	Select	Preferred	>1 yr Standard<1 yr Graded/GI
Mental Incapacity / Retardation Mental Health	Decline	Not Asked (Can Perform ADLs?)	Decline	Decline	See ADL's	See ADL's
Amputation – Disease Caused Musculoskeletal	Decline	Diabetes related = Decline	Decline	Due to Disease = Decline	Due to Disease = Decline	GradedGI
Arthritis Musculoskeletal	Level	Preferred	Level	Select	Preferred	PreferredStandard
Rheumatoid Arthritis Musculoskeletal	Level	Preferred	Level	Select	Preferred	PreferredStandard
Crohn's Disease Gastrointestinal	Level	Preferred	Level	Select	Preferred	PreferredStandard
Cystic Fibrosis Gastrointestinal	Level	Preferred	Level	Decline	Decline	PreferredStandard
Pancreatitis Gastrointestinal	<2 yrs = ROP	Preferred	Level	Chronic = Graded	Preferred	PreferredStandard
Ulcerative Colitis Gastrointestinal	<3 yrs = Graded	Preferred	Level	Select	Preferred	PreferredStandard
Stroke (CVA) Under 2 years Stroke	<2 yrs ROP	>2 yrs Preferred>1 yr Standard<1 yr Basic	>2 yrs Level<2 yrs Graded	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	>1 yr Standard<1 yr Graded/GI
Stroke (CVA) 2–3 years Stroke	<3 yrs Graded	>2 yrs Preferred>1 yr Standard<1 yr Basic	>2 yrs Level<2 yrs Graded	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	>1 yr Standard<1 yr Graded/GI
TIA (Mini-Stroke) Under 2 years Stroke	<2 yrs ROP	>2 yrs Preferred>1 yr Standard<1 yr Basic	>2 yrs Level<2 yrs Graded	Select	<1 yr Modified>1 yr Standard>2 yrs Preferred	>1 yr Standard<1 yr Graded/GI
Anemia – Sickle Cell Blood / Immune	Level	Preferred	Decline	Decline	Decline	GI
Anemia – Other Blood / Immune	Level	Preferred	Level	Select	Preferred	PreferredStandard
Blood Clots / Blood Disorder Blood / Immune	Level	Preferred	Level	Select	Preferred	PreferredStandard
Sickle Cell Anemia Blood / Immune	Level	Preferred	Decline	Decline	Decline	GI
Organ / Bone / Stem Transplant Blood / Immune	Decline	Decline	Decline	Decline	Decline	GI
Organ Transplant Blood / Immune	Decline	Decline	Decline	Decline	Decline	GI
Hospitalization – Currently Hospitalization	Decline	Decline	Decline	Decline	Decline	Decline
Hospitalization – Previous 12 months Hospitalization	Level	Level	Level	>48 hours = Decline	Preferred	2+ Weeks = Graded/GI
Assisted Living / Long Term Care Facility Hospitalization	Decline	Decline	Decline	Decline	Decline	GI
Hospice Hospitalization	Decline	Decline	Decline	Decline	Decline	—
Terminal Illness Hospitalization	Death within 12 mo = Decline	Decline	Death within 12 mo = Decline	Decline	Decline	GI
Felony – Over 2 years Legal	Level	Preferred	Level	Select	Preferred	PreferredStandard
Felony – Under 2 years Legal	Level	Preferred	Graded	Decline	Preferred	PreferredStandard
DUI / DWI – Over 2 years Legal	Level	Preferred	Level	Select	Preferred	>3 yrs = Standard
DUI / DWI – Under 2 years Legal	Level unless medical intervention	Preferred	Graded	Decline	Modified	GradedGI
Jail / Incarcerated Legal	Level	Decline	See Felony	Decline	Decline	PreferredStandard
Parole / Probation (Currently) Legal	Level	Preferred	See Felony	Decline	Preferred	PreferredStandard
Illegal Drugs Legal	<2 yrs = ROP	<2 yrs Basic>2 yrs Preferred	>2 yrs Level<2 yrs Graded	<2 yrs Decline>2 yrs Select	<2 yrs Modified>2 yrs Preferred	>3 yrs Standard<3 yrs Graded/GI
Autism Other	ADLs & Mental Capacity = Level	Not Asked	Decline	Select	See ADL's	(See ADL's)
Chronic Pain – Opioid / Narcan Fills Other	<2 yrs = ROP	<2 yrs = Basic	<2 yrs = Graded	Select (See Drug Use for Narcan)	See Alcohol/Drug Use	See Alcohol/Drug Use
Down Syndrome Other	ADLs & Mental Capacity = Level	Preferred (Can perform ADLs?)	Decline	Decline	See ADL's	See ADL's
DUI / DWI Other	Level unless medical intervention	Preferred	>2 yrs Level<2 yrs Graded	<2 yrs See Alcohol>2 yrs Select	<2 yrs Modified>2 yrs Preferred	See Alcohol
Employed in Cannabis Industry Other	Level	Preferred	Level	Undetermined	N/A	N/A
Encephalitis Other	Level	Preferred	Level	Select	Preferred	PreferredStandard
Hunter Syndrome Other	Level	Preferred	Level	Select	Preferred	PreferredStandard
Incontinence / Bladder Control Other	Level	Preferred	Decline	Select	Preferred	PreferredStandard
Non-Performance of ADLs Other	Decline	Decline	Decline	Decline	Decline	GI
Oxygen Use Other	Decline	<12 mo Decline>12 mo Preferred	Decline	Within 12 mo GradedAfter 12 mo Select	<1 yr (except Sleep Apnea) = Decline	GI
Pancreatitis Other	<2 yrs = ROP	Preferred	Level	Chronic = Graded	Preferred	PreferredStandard
Restless Leg Syndrome Other	Level	Preferred	Level	Select	Preferred	PreferredStandard
Sarcoidosis Other	Level	Preferred	Graded	Select	Standard	PreferredStandard
Sleep Apnea Other	Level	Preferred	Level	Select	Preferred	PreferredStandard
Tuberculosis Other	Level	Preferred	Level	Select	Standard	PreferredStandard
Walker Use Other	Level	Preferred	Level	Select	See ADL's	PreferredStandard
Wheelchair / Electric Scooter Other	Due to Chronic Illness = Decline	Decline if used for diagnosed ongoing illness	Due to Chronic Illness = Decline	Within 12 mo GradedAfter 12 mo Select	Decline	Due to Injury = PreferredStandard
Wilson's Disease Other	Not Asked	Preferred	Not Asked	Select	Preferred	PreferredStandard
Wiskott-Aldrich Syndrome Other	Not Asked	Preferred	Not Asked	Select	Preferred	PreferredStandard

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