Healthy 45-60 Year People - Replace Final Expense Insurance

 

Please review the medical and non-medical impairments below - IF - you answer NO to all the impairments, you are eligible and qualify for BEST IN CLASS POLICY.

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Medical impairments

  • Alcoholism

  • Asthma that includes:

    • A history of hospitalizations,

    • Oral steroid use, or

    • Required multiple medications

  • Atrial fibrillation

  • Barrett’s Esophagus

  • Blood clotting or bleeding disorders, including any ongoing treatment with blood thinners

  • Cancer:

    • Any history within 10 years, except some Basal cell or squamous cell cancers

    • Any metastatic history

  • Cerebrovascular disease, including history of:

    • CVA

    • Stroke

    • TIA

  • Chronic Obstructive Pulmonary Disease (COPD/Emphysema)

  • Cirrhosis of the liver

  • Congestive heart failure

  • Crohn’s Disease

  • Depression – moderate to severe

  • Diabetes

  • Down’s syndrome

  • Drug use

    • Any use of illegal drugs

    • Any abuse of prescription drugs

  • Eating disorders

  • Gastric Bypass/Lap Band

  • Heart disease, including history of:

    • Angioplasty

    • Bypass

    • Heart attack or myocardial infarction

    • Stent placement

  • Hepatitis B or C

  • HIV/AIDS

  • Kidney failure or transplant history

  • Systemic Lupus Erythematosus (SLE)

  • Lyme disease: current or within 6 months of recovery

  • Mental disorders, including:

    • Bipolar disorder

    • Schizophrenia

  • Multiple Sclerosis (MS)

  • Overweight or underweight - see build chart

  • Paralysis

  • Parkinson’s Disease

  • Peripheral Artery Disease (PAD)

  • Peripheral Vascular Disease (PVD)

  • Rheumatoid arthritis

  • Seizure disorders or history of same within 5 years

  • Ulcerative Colitis (UC)

Nonmedical impairments

  • Declined or rated for life insurance within last 5 years

  • Felony within last 5 years

  • Multiple DUIs

  • Rock climbing at Yosemite Decimal System ratings of 5 or greater

  • Current probation or jail

  • Scuba diving greater than 100 feet