Home Protector product from Occidental/American-Amicable (AmAm)

Carrier: Occidental/American Amicable (AmAm)

Product: Home Protector Term

Product Types: 15, 20, and 30-Year Simplified Issue Term

Issue Ages: Varies by term and band (18–65 overall)

Face Amounts: $25,000–$500,000 (banded pricing structure)

Target Market: Mortgage protection or income replacement with simplified underwriting; includes built-in living benefits and optional return-of-premium

Carrier

Occidental Life Insurance Company of North Carolina (a member of the American-Amicable Group)

Product Overview

Home Protector is a simplified issue level term life insurance product providing coverage to age 95. It is available in 15, 20, 25, and 30-year level premium options, with Return of Premium (ROP) available on the 20-, 25-, and 30-year terms. Premiums remain level during the selected term and coverage is renewable after the level period ends. This plan is designed to offer fast, simplified underwriting decisions and includes several built-in and optional riders.

Issue Ages and Face Amounts

  • 15-Year Term: Ages 20–65
  • 20-Year Term: Ages 20–60
  • 25-Year Term: Ages 20–55
  • 30-Year Term: Ages 20–50
  • 20-Year ROP: Ages 20–60
  • 25-Year ROP: Ages 20–55
  • 30-Year ROP: Ages 20–50
  • Minimum Face: $25,000 or $25 monthly premium (excluding riders)
  • Maximum Face: $500,000 (ages 20–45), $300,000 (ages 46–65)

Underwriting Guidelines

Home Protector uses simplified issue underwriting. Policies are issued Standard through Table 4. There are no table ratings above Table 4. Eligibility is determined by application responses, MIB, prescription database, and optional telephone interview. Applicants exceeding weight/build chart limits or taking medications with disqualifying flags will be declined. APS (Attending Physician Statements) may be requested. A current mortgage is required for all applicants.

Build Chart

Applicants must fall within the acceptable range in the chart below. Applicants below minimum or above maximum are declined.

BUILD CHART BUILD CHART BUILD CHART BUILD CHART
HEIGHT MINIMUM WEIGHT MUST BE AT LEAST MAXIMUM WEIGHT WITHIN TABLE 2 MAXIMUM WEIGHT WITHIN TABLE 4
4’10” 86 182 199
4’11” 88 188 205
5’ 90 195 212
5’1” 93 201 220
5’2” 95 208 227
5’3” 99 215 234
5’4” 101 221 242
5’5” 104 228 249
5’6” 106 235 257
5’7” 110 243 265
5’8” 113 250 273
5’9” 117 257 281
5’10” 120 265 289
5’11” 125 272 298
6’ 129 280 306
6’1” 133 288 315
6’2” 136 296 323
6’3” 140 304 332
6’4” 143 312 341
6’5” 146 320 350
6’6” 149 329 359
6’7” 153 337 368
6’8” 157 346 378
6’9” 160 355 387

Medical Impairment Guide

The impairment guide outlines insurability based on specific medical conditions. Decisions reflect eligibility for the base plan, Disability Riders, AODIR, and Critical Illness Rider. Use the guide to identify automatic declines and conditions requiring special underwriting.

EASY TERM PRESCRIPTION REFERENCE GUIDE (continued) EASY TERM PRESCRIPTION REFERENCE GUIDE (continued) EASY TERM PRESCRIPTION REFERENCE GUIDE (continued) EASY TERM PRESCRIPTION REFERENCE GUIDE (continued)
Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below. Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If `N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription. Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below. Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If `N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription. Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below. Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If `N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription. Where medications used for more than one condition exist, alternate uses and appropriate levels of coverage are listed below. Suppose the insured had a medication prescribed within a time frame in the ‘RX FILL WITHIN’ column. For those conditions, the time frame impacts the Underwriting decision. If `N/A’ appears in this column, then the Underwriting decision will be the same regardless of when the insured filled the prescription.
MEDICATION COMMON USE OF CONCERN RX FILL WITHIN PLAN ELIGIBILITY
Betapace Heart Arrhythmia N/A Decline
Betapace CHF N/A Decline
Betaseron Multiple Sclerosis N/A Decline
Betaxolol HCL High Blood Pressure (HTN) N/A See ‘*’ Below
Betaxolol HCL CHF N/A Decline
BiDil CHF N/A Decline
Bisoprolol Fumarate High Blood Pressure (HTN) N/A See ‘*’ Below
Bisoprolol Fumarate CHF N/A Decline
Bromocriptine Mesylate Parkinson’s N/A Decline
Bumetanide High Blood Pressure (HTN) N/A See ‘*’ Below
Bumetanide CHF N/A Decline
Bumex High Blood Pressure (HTN) N/A See ‘*’ Below
Bumex CHF N/A Decline
Buprenex Alcohol / Drugs 4 years Decline
Bystolic High Blood Pressure (HTN) N/A See ‘*’ Below
Bystolic CHF N/A Decline
Calan High Blood Pressure (HTN) N/A See ‘*’ Below
Calcium Acetate Kidney Dialysis N/A Decline
Calcium Acetate Renal Insufficiency/Failure N/A Decline
Calcium Acetate Diabetic Nephropathy N/A Decline
Campath Cancer 8 years > 8 years Decline Standard
Campral Alcohol / Drugs 4 years Decline
Capoten High Blood Pressure (HTN) N/A See ‘*’ Below
Capoten CHF N/A Decline
Capozide High Blood Pressure (HTN) N/A See ‘*’ Below
Capozide CHF N/A Decline
Captopril High Blood Pressure (HTN) N/A See ‘*’ Below
Captopril CHF N/A Decline
Carbamazepine Seizures N/A See Impairment Guide
Carbatrol Seizures N/A See Impairment Guide
Carbidopa Parkinson’s N/A Decline
Cardizem High Blood Pressure (HTN) N/A See ‘*’ Below
Cardura High Blood Pressure (HTN) N/A See ‘*’ Below
Cartia High Blood Pressure (HTN) N/A See ‘*’ Below
Carvedilol High Blood Pressure (HTN) N/A See ‘*’ Below
Carvedilol CHF N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.

Prescription Medication Guide

This table lists medications that impact eligibility. Plan decisions are based on medication use, diagnosis, and timing. Conditions marked with ‘N/A’ apply regardless of prescription timing. See footnotes for high blood pressure and diabetes-specific considerations.

Medication Use RX Fill Within Plan Eligibility
Digoxin Irregular Heartbeat N/A Decline
Digoxin CHF N/A Decline
Dilacor High Blood Pressure (HTN) N/A See ‘*’ Below
Dilantin Seizures N/A See Impairment Guide
Dilatrate SR Angina / CHF N/A Decline
Dilor Asthma N/A See Impairment Guide
Dilor COPD / Emphysema / Chronic Bronchitis N/A Decline
Diovan High Blood Pressure (HTN) N/A See ‘*’ Below
Diovan CHF N/A Decline
Disulfiram Alcohol / Drugs 4 years Decline
Dolophine Opioid Dependence 4 years Decline
Donepezil HCL Alzheimer’s / Dementia N/A Decline
Duoneb COPD / Emphysema / Chronic Bronchitis N/A Decline
Dyazide High Blood Pressure (HTN) N/A See ‘*’ Below
Dyazide CHF N/A Decline
Dynacirc High Blood Pressure (HTN) N/A See ‘*’ Below
Dyrenium High Blood Pressure (HTN) N/A See ‘*’ Below
Dyrenium CHF N/A Decline
Edecrin High Blood Pressure (HTN) N/A See ‘*’ Below
Edecrin CHF N/A Decline
Edurant AIDS N/A Decline
Eldepryl Parkinson’s N/A Decline
Emtriva AIDS N/A Decline
Enalapril Maleate High Blood Pressure (HTN) N/A See ‘*’ Below
Enalapril Maleate CHF N/A Decline
Enalaprilat High Blood Pressure (HTN) N/A See ‘*’ Below
Enalaprilat CHF N/A Decline
Epitol Seizures N/A See Impairment Guide
Epivir AIDS N/A Decline
Eplerenone CHF N/A Decline
Eskalith Bi-Polar / Schizophrenia N/A Decline
Esmolol HCL High Blood Pressure (HTN) N/A See ‘*’ Below
Esmolol HCL CHF N/A Decline
Exforge High Blood Pressure (HTN) N/A See ‘*’ Below
Exforge CHF N/A Decline
Felodipine High Blood Pressure (HTN) N/A See ‘*’ Below
Femara Cancer 8 years > 8 years Decline Standard
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Foscavir AIDS N/A Decline
Fosinopril Sodium High Blood Pressure (HTN) N/A See ‘*’ Below
Fosinopril Sodium CHF N/A Decline
Fosrenol Kidney Dialysis N/A Decline
Fosrenol Renal Insufficiency / Failure N/A Decline
Fosrenol Diabetic Nephropathy N/A Decline
Furosemide High Blood Pressure (HTN) N/A See ‘*’ Below
Furosemide CHF N/A Decline
Gabapentin Seizures N/A See Impairment Guide
Gabapentin Restless Leg Syndrome N/A Standard
Gleevec Cancer 8 years > 8 years Decline Standard
Glipizide Diabetes N/A See ‘#’ Below
Glucophage Diabetes N/A See ‘#’ Below
Glucotrol Diabetes N/A See ‘#’ Below
Glyburide Diabetes N/A See ‘#’ Below
Glynase Diabetes N/A See ‘#’ Below
Haldol Schizophrenia N/A Decline
Haloperidol Schizophrenia N/A Decline
HCTZ/Triamterene High Blood Pressure (HTN) N/A See ‘*’ Below
HCTZ/Triamterene CHF N/A Decline
Hectoral Kidney Dialysis N/A Decline
Hectoral Renal Insufficiency / Failure N/A Decline
Hectoral Diabetic Nephropathy N/A Decline
Heparin Blood Clot / Deep Vein Thrombosis N/A See Impairment Guide
Hepsera Liver Disorder / Hepatitis N/A Decline
Hizentra Immunodeficiency N/A Decline
Humalog Diabetes N/A Decline
Humulin Diabetes N/A Decline
Hydralazine HCL High Blood Pressure (HTN) N/A See ‘*’ Below
Hydralazine HCL CHF N/A Decline
Hydroxychloroquine Systemic Lupus (SLE) N/A Decline
Hydroxychloroquine Rheumatoid Arthritis N/A Decline
Hydroxyurea Cancer 8 years > 8 years Decline Standard
Hytrin High Blood Pressure (HTN) N/A See ‘*’ Below
Hyzaar High Blood Pressure (HTN) N/A See ‘*’ Below
Hyzaar CHF N/A Decline
Imdur Angina / CHF N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Imuran Organ / Tissue Transplant N/A Decline
Imuran Rheumatoid Arthritis N/A Decline
Imuran Systemic Lupus (SLE) N/A Decline
Inamrinone CHF N/A Decline
Inderal High Blood Pressure (HTN) N/A See ‘*’ Below
Inderal CHF N/A Decline
Inderide High Blood Pressure (HTN) N/A See ‘*’ Below
Inderide CHF N/A Decline
Inspra CHF N/A Decline
Insulin Diabetes N/A Decline
Intron-A Cancer 8 years > 8 years Decline Standard
Intron-A Hepatitis C N/A Decline
Invirase AIDS N/A Decline
Ipratropium Bromide Allergies N/A Standard
Ipratropium Bromide COPD / Emphysema / Chronic Bronchitis N/A Decline
Isoptin High Blood Pressure (HTN) N/A See ‘*’ Below
Isordil Angina / CHF N/A Decline
Isosorbide Dinitrate/ Mononitrate Angina / CHF N/A Decline
Janumet Diabetes N/A See ‘#’ Below
Januvia Diabetes N/A See ‘#’ Below
Kaletra AIDS N/A Decline
Kemadrin Parkinson’s N/A Decline
Kerlone High Blood Pressure (HTN) N/A See ‘*’ Below
Kerlone Glaucoma N/A Standard
Labetalol High Blood Pressure (HTN) N/A See ‘*’ Below
Labetalol Angina N/A Decline
Lamictal Seizures N/A See Impairment Guide
Lamictal Bi-polar / Major depression N/A Decline
Lamotrigine Seizures N/A See Impairment Guide
Lamotrigine Bi-polar / Major depression N/A Decline
Lanoxicaps Irregular Heartbeat N/A Decline
Lanoxicaps CHF N/A Decline
Lanoxin Irregular Heartbeat N/A Decline
Lanoxin CHF N/A Decline
Lantus Diabetes N/A Decline
Larodopa Parkinson’s N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Lasix High Blood Pressure (HTN) N/A See ‘*’ Below
Lasix CHF N/A Decline
Leukeran Cancer 8 years > 8 years Decline Standard
Levatol High Blood Pressure (HTN) N/A See ‘*’ Below
Levatol Angina N/A Decline
Levemir Diabetes N/A Decline
Levocarnitine Kidney Dialysis N/A Decline
Levocarnitine Renal Insufficiency / Failure N/A Decline
Levocarnitine Diabetic Nephropathy N/A Decline
Levodopa Parkinson’s N/A Decline
Lexiva AIDS N/A Decline
Lipitor Cholesterol N/A Standard
Lisinopril High Blood Pressure (HTN) N/A See ‘*’ Below
Lisinopril CHF N/A Decline
Lithium Bi-Polar / Schizophrenia N/A Decline
Lodosyn Parkinson’s N/A Decline
Lopressor High Blood Pressure (HTN) N/A See ‘*’ Below
Losartan High Blood Pressure (HTN) N/A See ‘*’ Below
Losartan CHF N/A Decline
Lotensin High Blood Pressure (HTN) N/A See ‘*’ Below
Lotensin CHF N/A Decline
Loxapine Schizophrenia N/A Decline
Loxitane Schizophrenia N/A Decline
Lozol High Blood Pressure (HTN) N/A See ‘*’ Below
Lupron Cancer 8 years > 8 years Decline Standard
Lyrica Seizures N/A See Impairment Guide
Mavik High Blood Pressure (HTN) N/A See ‘*’ Below
Mavik CHF N/A Decline
Maxzide High Blood Pressure (HTN) N/A See ‘*’ Below
Maxzide CHF N/A Decline
Mellaril Schizophrenia N/A Decline
Metformin Diabetes N/A See ‘#’ Below
Methadone Opioid Dependence 4 years Decline
Methadose Opioid Dependence 4 years Decline
Methotrexate Cancer 8 years > 8 years Decline Standard
Methotrexate Rheumatoid Arthritis N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Metoprolol HCTZ High Blood Pressure (HTN) N/A See ‘*’ Below
Metoprolol HCTZ CHF N/A Decline
Metoprolol Tartrate / Succinate High Blood Pressure (HTN) N/A See ‘*’ Below
Metoprolol Tartrate / Succinate CHF N/A Decline
Micardis High Blood Pressure (HTN) N/A See ‘*’ Below
Micardis CHF N/A Decline
Micronase Diabetes N/A See ‘#’ Below
Milrinone CHF / Cardiomyopathy N/A Decline
Minipress High Blood Pressure (HTN) N/A See ‘*’ Below
Minitran Angina / CHF N/A Decline
Mirapex Parkinson’s N/A Decline
Mirapex Other Use N/A Standard
Moban Schizophrenia N/A Decline
Moduretic High Blood Pressure (HTN) N/A See ‘*’ Below
Moduretic CHF N/A Decline
Moexipril HCL High Blood Pressure (HTN) N/A See ‘*’ Below
Moexipril HCL CHF N/A Decline
Monoket Angina / CHF N/A Decline
Monopril High Blood Pressure (HTN) N/A See ‘*’ Below
Monopril CHF N/A Decline
Mysoline Seizures N/A See Impairment Guide
Nadolol High Blood Pressure (HTN) N/A See ‘*’ Below
Nadolol CHF N/A Decline
Naloxone Alcohol / Drugs 4 years Decline
Naltrexone Alcohol / Drugs 4 years Decline
Narcan Alcohol / Drugs 4 years Decline
Natrecor CHF N/A Decline
Navane Schizophrenia N/A Decline
Neurontin Seizures N/A See Impairment Guide
Nifedipine High Blood Pressure (HTN) N/A See ‘*’ Below
Nimodipine Stroke / Heart or Circulatory Disease or Disorder N/A Decline
Nimotop Stroke / Heart or Circulatory Disease or Disorder N/A Decline
Nitrek Angina / CHF N/A Decline
Nitro-bid Angina / CHF N/A Decline
Nitro-dur Angina / CHF N/A Decline
Nitroglycerine / Nitrotab / Nitroquick/Nitrostat Angina / CHF N/A Decline
Nitrol Angina / CHF N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Normodyne High Blood Pressure (HTN) N/A See ‘*’ Below
Norpace Irregular Heartbeat N/A Decline
Norvir AIDS N/A Decline
Novolin Diabetes N/A Decline
Novolog Diabetes N/A Decline
Pacerone Irregular Heartbeat N/A Decline
Pancrease Chronic Pancreatitis N/A Decline
Parcopa Parkinson’s N/A Decline
Parlodel Parkinson’s N/A Decline
Pegasys Liver Disorder / Hepatitis C / Chronic Hepatitis N/A Decline
Peg-Intron Liver Disorder / Hepatitis C / Chronic Hepatitis N/A Decline
Pentam 300 AIDS N/A Decline
Pentamidine Isethionate AIDS N/A Decline
Pergolide Mesylate Parkinson’s N/A Decline
Permax Parkinson’s N/A Decline
Phenobarbital Seizures N/A See Impairment Guide
Phoslo Kidney Dialysis N/A Decline
Phoslo Renal Insufficiency / Failure N/A Decline
Phoslo Diabetic Nephropathy N/A Decline
Plaquenil Systemic Lupus (SLE) N/A Decline
Plaquenil Malaria N/A Standard
Plaquenil Rheumatoid Arthritis N/A Decline
Plavix Stroke / Heart or Circulatory Disease or Disorder N/A Decline
Plendil High Blood Pressure (HTN) N/A See ‘*’ Below
Prandin Diabetes N/A See ‘#’ Below
Prazosin High Blood Pressure (HTN) N/A See ‘*’ Below
Primacor CHF N/A Decline
Prinivil High Blood Pressure (HTN) N/A See ‘*’ Below
Prinivil CHF N/A Decline
Prinzide High Blood Pressure (HTN) N/A See ‘*’ Below
Prinzide CHF N/A Decline
Procardia High Blood Pressure (HTN) N/A See ‘*’ Below
Prograf Organ / Tissue Transplant N/A Decline
Proleukin Cancer 8 years > 8 years Decline Standard
Prolixin Schizophrenia N/A Decline
Propranolol HCL High Blood Pressure (HTN) N/A See ‘*’ Below
Propranolol HCL CHF N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Proventil Asthma N/A See Impairment Guide
Proventil COPD / Emphysema / Chronic Bronchitis N/A Decline
Prozac Depressive Disorder N/A Standard
Quinapril High Blood Pressure (HTN) N/A See ‘*’ Below
Quinapril CHF N/A Decline
Quinaretic High Blood Pressure (HTN) N/A See ‘*’ Below
Quinaretic CHF N/A Decline
Ramipril High Blood Pressure (HTN) N/A See ‘*’ Below
Ramipril CHF N/A Decline
Ranexa Angina / CHF N/A Decline
Rapamune Organ / Tissue Transplant N/A Decline
Rebetol Liver Disorder / Hepatitis C / Chronic Hepatitis N/A Decline
Rebetron Liver Disorder / Hepatitis C / Chronic Hepatitis N/A Decline
Rebif Multiple Sclerosis N/A Decline
Renagel Kidney Dialysis N/A Decline
Renagel Renal Insufficiency / Failure N/A Decline
Renagel Diabetic Nephropathy N/A Decline
Renvela Kidney Dialysis N/A Decline
Renvela Renal Insufficiency / Failure N/A Decline
Renvela Diabetic Nephropathy N/A Decline
Requip Parkinson’s N/A Decline
Requip Restless Leg Syndrome N/A Standard
Ribavirin Liver Disorder / Hepatitis C / Chronic Hepatitis N/A Decline
Rilutek ALS / Motor Neuron Disease N/A Decline
Risperdal Bi-Polar / Schizophrenia N/A Decline
Risperidone Bi-Polar / Schizophrenia N/A Decline
Rituxan Cancer 8 years > 8 years Decline Standard
Rituxan Rheumatoid Arthritis N/A Decline
Ropinirole Parkinson’s N/A Decline
Ropinirole Restless Leg Syndrome N/A Standard
Rythmol Irregular Heartbeat N/A Decline
Serevent Asthma N/A See Impairment Guide
Serevent COPD / Emphysema / Chronic Bronchitis N/A Decline
Seroquel Bi-Polar / Schizophrenia N/A Decline
Sinemet/Sinemet CR Parkinson’s N/A Decline
Sodium Edecrin High Blood Pressure (HTN) N/A See ‘*’ Below
Sodium Edecrin CHF N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Sotalol Hydrochloride High Blood Pressure (HTN) N/A See ‘*’ Below
Sotalol Hydrochloride CHF N/A Decline
Sotalol HCL High Blood Pressure (HTN) N/A See ‘*’ Below
Sotalol HCL CHF N/A Decline
Spiriva COPD / Emphysema / Chronic Bronchitis N/A Decline
Spironolactone High Blood Pressure (HTN) N/A See ‘*’ Below
Spironolactone CHF N/A Decline
Sprycel Cancer 8 years > 8 years Decline Standard
Stalevo Parkinson’s N/A Decline
Starlix Diabetes N/A See ‘#’ Below
Suboxone Alcohol / Drugs 4 years Decline
Subutex Alcohol / Drugs 4 years Decline
Sustiva AIDS N/A Decline
Symbicort Asthma N/A Standard
Symbicort COPD / Emphysema / Chronic Bronchitis N/A Decline
Symmetrel Parkinson’s N/A Decline
Tambocor Irregular Heartbeat N/A Decline
Tamoxifen Cancer 8 years > 8 years Decline Standard
Tarka High Blood Pressure (HTN) N/A See ‘*’ Below
Tarka CHF N/A Decline
Tasmar Parkinson’s N/A Decline
Tegretol Seizures N/A See Impairment Guide
Tenex High Blood Pressure (HTN) N/A See ‘*’ Below
Tenoretic High Blood Pressure (HTN) N/A See ‘*’ Below
Tenoretic CHF N/A Decline
Tenormin High Blood Pressure (HTN) N/A See ‘*’ Below
Tenormin CHF N/A Decline
Theo-Dur Asthma N/A See Impairment Guide
Theo-Dur COPD / Emphysema / Chronic Bronchitis N/A Decline
Theophylline Asthma N/A See Impairment Guide
Theophylline COPD / Emphysema / Chronic Bronchitis N/A Decline
Thioridazine Schizophrenia N/A Decline
Thiothixene Schizophrenia N/A Decline
Thorazine Schizophrenia N/A Decline
Tiazac High Blood Pressure (HTN) N/A See ‘*’ Below
Tolazamide Diabetes N/A See ‘#’ Below
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Tolbutamide Diabetes N/A See ‘#’ Below
Tolinase Diabetes N/A See ‘#’ Below
Toprol XL High Blood Pressure (HTN) N/A See ‘*’ Below
Toprol XL CHF N/A Decline
Torsemide High Blood Pressure (HTN) N/A See ‘*’ Below
Torsemide CHF N/A Decline
Trandate High Blood Pressure (HTN) N/A See ‘*’ Below
Trandate CHF N/A Decline
Triamterene High Blood Pressure (HTN) N/A See ‘*’ Below
Triamterene CHF N/A Decline
Tribenzor High Blood Pressure (HTN) N/A See ‘*’ Below
Tribenzor CHF N/A Decline
Trihexyphenidyl HCL Parkinson’s N/A Decline
Tresiba (Insulin) Diabetes N/A Decline
Truvada AIDS N/A Decline
Tyzeka Liver Disorder / Hepatitis N/A Decline
Uniretic High Blood Pressure (HTN) N/A See ‘*’ Below
Uniretic CHF N/A Decline
Univasc High Blood Pressure (HTN) N/A See ‘*’ Below
Univasc CHF N/A Decline
Valcyte AIDS N/A Decline
Valproic Acid Seizures N/A See Impairment Guide
Valstar Cancer 8 years > 8 years Decline Standard
Valturna High Blood Pressure (HTN) N/A See ‘*’ Below
Valturna CHF N/A Decline
Vascor Angina N/A Decline
Vaseretic High Blood Pressure (HTN) N/A See ‘*’ Below
Vaseretic CHF N/A Decline
Vasotec High Blood Pressure (HTN) N/A See ‘*’ Below
Vasotec CHF N/A Decline
Ventolin Asthma N/A See Impairment Guide
Ventolin COPD / Emphysema / Chronic Bronchitis N/A Decline
Verapamil High Blood Pressure (HTN) N/A See ‘*’ Below
Viaspan Organ / Tissue Transplant N/A Decline
Viracept AIDS N/A Decline
Viramune AIDS N/A Decline
Viread AIDS N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.
Visken High Blood Pressure (HTN) N/A See ‘*’ Below
Visken CHF N/A Decline
Vivitrol Alcohol / Drugs 4 years Decline
Warfarin Blood Clot / Deep Vein Thrombosis N/A See Impairment Guide
Warfarin Stroke / Heart or Circulatory Disease or Disorder / Heart Valve Disease N/A Decline
Xeloda Cancer 8 years > 8 years Decline Standard
Xopenex Asthma N/A See Impairment Guide
Xopenex COPD / Emphysema / Chronic Bronchitis N/A Decline
Zelapar Parkinson’s N/A Decline
Zemplar Kidney Dialysis N/A Decline
Zemplar Renal Insufficiency / Failure N/A Decline
Zemplar Diabetic Nephropathy N/A Decline
Zestoretic High Blood Pressure (HTN) N/A See ‘*’ Below
Zestoretic CHF N/A Decline
Zestril High Blood Pressure (HTN) N/A See ‘*’ Below
Zestril CHF N/A Decline
Ziac High Blood Pressure (HTN) N/A See ‘*’ Below
Ziac CHF N/A Decline
Zyprexa Bi-Polar / Schizophrenia N/A Decline
* High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage. * High Blood Pressure - If controlled with 2 or fewer medications, the client could qualify for the plan. If controlled with 3 or more medications, the client will not be eligible for coverage.
# Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage. # Diabetes - If diagnosed, treated, or taken medication prior to age 35, the client will not be eligible for coverage. If currently taking insulin shots or tobacco use within the past 12 months, the client will not be eligible for coverage. If combined with overweight, gout, retinopathy, or protein in the urine; the client is not eligible for coverage.

Included Riders (No Additional Cost)

  • Terminal Illness Accelerated Death Benefit Rider
  • Confined Care Accelerated Benefit Rider
  • Chronic Illness Accelerated Death Benefit Rider

Optional Riders

  • Critical Illness Rider (25%, 50%, or 100% up to $100,000)
  • Total Disability Benefit Rider (2% of face amount, up to $1,500/mo)
  • Accident Only Total Disability Rider (up to $2,000/mo)
  • Waiver of Premium – Disability
  • Waiver of Premium – Unemployment
  • Children’s Insurance Agreement (up to 5 units @ $3,000 each)
  • Accidental Death Benefit Rider (up to $200,000)

Conversion Options

Non-ROP: Convertible to permanent coverage anytime before the earlier of: policy expiry, age 75, or 5 years from issue date (if issued after age 75).
ROP: Convertible before the end of the level term period or policy anniversary of age 75. No evidence of insurability required.

Eligibility Requirements

  • Must have a current mortgage; domestic partners allowed with shared financial interest
  • Applicants must reside in the U.S. and have a valid Social Security number
  • Third-party payors (outside spouse, business partner, or parent under age 30) are not allowed
  • Mobile application decisions include: approved, interview required, home office referral, or decline
  • Uninsurable occupations: Blasters, underground miners, casino workers, professional athletes, disabled, unemployed (except students, stay-at-home spouses), and those with risky avocations

Application Notes

  • Form No. 3491 must be used (state-specific)
  • Submit via mobile app, AppDrop, or fax
  • Initial premium accepted via eCheck or bank draft (no money orders)
  • Voice, email, or on-device signature allowed via mobile app
  • Point-of-sale decisions delivered instantly when using mobile app
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Address

Legacy Agent, LLC
41000 Woodward Ave, East Ste #350
Bloomfield Hills, MI 48304
 

Talk to us

+1-888-479-9888
+1-248-461-3360
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