Carrier: Occidental/American Amicable (AmAm)
Product: EZ Term
Product Type: Simplified Issue Level Term Life Insurance
Issue Ages: 18–70 (varies by term duration and face amount)
Face Amounts: $25,000–$500,000 (based on age and product variant)
Available Term Durations: 10, 20, and 30-Year Level Term Periods
Target Market: Clients needing fast, no-exam term coverage with budget-friendly premiums and simplified underwriting — especially younger clients, mortgage protection, or income replacement cases.
Health Tolerance: Moderate — Table 4 max, Rx & MIB check, telephone interview possible
Carrier
Occidental Life Insurance Company of North Carolina (a member of American-Amicable Group)
Product Overview
Easy Term is a simplified issue level term life insurance policy designed to provide affordable, renewable coverage through age 95. The product offers level premium terms of 10, 20, and 30 years, with optional Return of Premium (ROP) benefits available on the 20- and 30-year plans. Premiums are guaranteed to remain level for the selected term period. The product includes several built-in accelerated benefit riders and offers a variety of optional riders for customization.
Issue Ages and Face Amounts
-
Plan Issue Ages (Age Nearest Birthday) Non-Tobacco Tobacco 10-Year Level Premium Ages 18–70 Ages 18–70 20-Year Level Premium Ages 18–65 Ages 18–65 30-Year Level Premium Ages 18–55 Ages 18–55 20-Year Return of Premium Ages 18–60 Ages 18–60 30-Year Return of Premium Ages 18–50 Ages 18–50 Minimum Issue Limit $25,000 face amount or $15/mo premium (whichever is greater) Maximum Face Amount - Ages 18–45: $500,000
- Ages 46–70: $300,000
Premium Bands - Band 1: $25,000–$74,999
- Band 2: $75,000–$500,000
Modal Factors - Monthly: 0.094
- Quarterly: 0.273
- Semi-Annual: 0.537
Policy Fee $60 Annually (fully commissionable)
Available Term Plans
- 10-Year Level Term
- 20-Year Level Term
- 30-Year Level Term
- 20-Year Level Term (ROP available)
- 30-Year Level Term (ROP available)
Underwriting Process and Guidelines
Easy Term uses simplified underwriting, including a Yes/No application, MIB and Rx report, Motor Vehicle Report (MVR), and a build chart. Telephone interviews may be required based on the coverage amount or rider selection. Underwriting may request medical records (APS) at their discretion. The company does not accept applications for applicants over or under the build chart limits, or with conditions flagged as automatic declines in the Medical Impairment Guide. Reapplication is not allowed if an individual has had three prior lapsed, surrendered, or canceled policies from the company.
Build Chart
Height | Min Weight | Max Weight (Table 2) | Max Weight (Table 4) |
---|---|---|---|
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
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 Reference Guide
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
- Terminal Illness Accelerated Death Benefit Rider (included)
- Chronic Illness Accelerated Death Benefit Rider (included)
- Confined Care Accelerated Benefit Rider (included)
Optional Riders
- Critical Illness Rider (25%, 50%, or 100% of death benefit, up to $100,000)
- Total Disability Benefit Rider – 2% of face amount, up to $1,500/month
- Accident Only Total Disability Benefit Rider – up to $2,000/month
- Children’s Insurance Agreement – Up to $15,000
- Accidental Death Benefit Rider
- Waiver of Premium – Disability
- Waiver of Premium – Unemployment
Note: The Critical Illness Rider cannot be issued with Waiver of Premium – Disability. DIR and AODIR cannot be issued together.
Conversion Privileges
The policy is convertible without evidence of insurability. The new permanent policy must meet company minimums and may not exceed the face amount of the term policy being converted. Conversion must occur during the term period, prior to the insured reaching the maximum age as set by the carrier at the time of conversion.
Other Eligibility Restrictions
- Third-party payors are not accepted for applicants age 30 or older unless the payor is a spouse, business, or business partner
- Applicants age 18–29 may have a parent as payor, subject to additional underwriting including criminal background checks
- Applicants must have a U.S. address and valid Social Security number
- Applicants with 3 or more lapsed/canceled policies from this company group are not eligible
- Certain replacement restrictions apply in specific states (e.g., KS, KY, CA)
- Beneficiaries must have insurable interest – friends, boyfriends/girlfriends, or funeral homes are not allowed
Application and Processing Notes
- Application Form No. 9466 must be used (state-specific versions apply)
- Applications may be submitted via paper, mobile app, voice signature, or text/email signature
- Telephone interviews may be required for riders like Critical Illness (100%) or based on benefit amounts
- Use Apptical for point-of-sale underwriting decisions: 877-351-1773
- Initial premiums must be collected or authorized using approved draft methods –