Occidental-American Amicable (AmAm)-Term Made Simple (TMS)

Agent AI Hits: 30

Carrier: Occidental / American Amicable (AmAm)

Product: Term Made Simple (TMS)

Product Types: 10-Year, 15-Year, 20-Year, and 30-Year Level Term

Issue Ages: 18–75

Face Amounts: $50,000 to $500,000

Target Market: Mortgage protection, income replacement, and applicants seeking non-med term coverage with living benefits

Underwriting Notes: No medical exam. MIB, Rx, and MVR check. E-application with instant decision available. Available for both Tobacco and Non-Tobacco users. Riders include Critical Illness, Terminal Illness, and Accelerated Death Benefits.

Occidental / American Amicable (AmAm)

Occidental / American Amicable (AmAm):
Product Name: Term Made Simple (TMS) – Level Term Life Insurance

Product Overview

Term Made Simple is a simplified issue level term life insurance policy that provides protection to age 95. It is available in four level term durations: 10, 15, 20, and 30 years. Premiums are guaranteed to remain level for the selected term duration. The product uses standard-only underwriting — there are no table ratings. Applicants must qualify under simplified issue criteria including health questions, build chart, MIB, Rx, and MVR reports.

Issue Ages and Face Amounts

Minimum Issue Age: 18
Maximum Issue Age: 75
Face Amounts: $50,000 to $500,000

Available Term Plans

10-Year Level Term
15-Year Level Term
20-Year Level Term
30-Year Level Term

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

Impairment	Criteria	Life	DI Rider	AODIR	Critical Illness Rider	Application Question
Abscess	Present	Decline	Decline	Decline	Decline	A:1j
Abscess	Removed, with full recovery and confirmed to be benign	Standard	Standard	Standard	Standard	A:1j
Addison’s Disease	Acute Single Episode	Standard	Standard	Standard	Standard	A:1j
Addison’s Disease	Others	Decline	Decline	Decline	Decline	A:1j
ADL's (Activities of Daily Living)	Currently require assistance (from anyone) with any ADL.	Decline	Decline	Decline	Decline	A:3
AIDS / ARC	Medically treated or diagnosed by a medical professional as having	Decline	Decline	Decline	Decline	A:1k
Alcoholism	Within 4 years since abstained from use	Decline	Decline	Decline	Decline	C:3
Alcoholism	After 4 years since abstained from use	Standard	Decline	Decline	Standard	C:3
Alzheimer’s	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1f
Amputation	Caused by injury	Standard	Decline*	Decline*	Standard	A:1j
Amputation	Caused by disease	Decline	Decline	Decline	Decline	A:1b
Anemia	Iron Deficiency on vitamins only	Standard	Standard	Standard	Standard	A:1b
Anemia	Others	Decline	Decline	Decline	Decline	A:1b
Aneurysm	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1b
Angina	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Angioplasty	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Ankylosis	Medically diagnosed, treated, or taken medi- cation for	Standard	Decline	Standard	Decline	A:1i
Anxiety/Depression	Anxiety, 1 medication, situational in nature	Standard	Standard	Standard	Standard	A:1f
Anxiety/Depression	Major depression, bipolar disorder, schizophrenia	Decline	Decline	Decline	Decline	A:1f
Aortic Insufficiency	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Aortic Stenosis	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Appendectomy	Medically diagnosed, treated, or taken medi- cation for	Standard	Standard	Standard	Standard	A:1j
Arteriosclerosis	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Arthritis	Rheumatoid - minimal, slight impairment	Standard	Decline	Standard	Standard	A:1i
Arthritis	Rheumatoid - all others	Decline	Decline	Decline	Decline	A:1i
NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at
Asthma	Mild, occasional, brief episodes, allergic, seasonal	Standard	Standard	Standard	Standard	A:1d
Asthma	Moderate, more than 1 episode a month	Standard	Decline	Standard	Standard	A:1d
Asthma	Severe, hospitalization, or ER visit in past 12 months	Decline	Decline	Decline	Decline	A:1d
Asthma	Maintenance steroid use	Decline	Decline	Decline	Decline	A:1d
Asthma	Combined with Tobacco Use - Smoker	Decline	Decline	Decline	Decline	A:1d
Aviation	Commercial pilot for regularly scheduled airline	Standard	Standard	Standard	Standard	C:3c
Aviation	Other pilots flying for pay	Decline	Decline	Decline	Decline	C:3c
Aviation	Student Pilot	Decline	Decline	Decline	Decline	C:3c
Aviation	Private Pilot with more than 100 solo hours	Standard	Standard	Standard	Standard	C:3c
Back Injury	Medically diagnosed, treated, or taken medi- cation for within the past 12 months	Standard	Decline*	Decline*	Standard	A:1i
Bi-Polar Disorder	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1f
Blindness	Caused by diabetes, circulatory disorder, or other illness	Decline	Decline	Decline	Decline	A:1j
Blindness	Other causes	Standard	Decline	Decline	Decline	A:1j
Bronchitis	Acute- Recovered	Standard	Standard	Standard	Standard	A:1d
Bronchitis	Chronic	Decline	Decline	Decline	Decline	A:1d
Buerger’s Disease	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
By-Pass Surgery (CABG or Stent)	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Cancer / Mela- noma	Basal or Squamous cell skin carcinoma, isolated occurrence	Standard	Standard	Standard	Standard	A:1e
Cancer / Mela- noma	Within the past 8 years been medically diagnosed, treated, or taken medication for no recurrence or additional occurrence	Standard	Standard	Standard	Decline	A:1e
Cancer / Mela- noma	All others or history of metastatic cancer	Decline	Decline	Decline	Decline	A:1e
Cardiomyopathy	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Carotid Artery Disease	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Cerebral Palsy	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1h
Cholesterol	Controlled with medication	Standard	Standard	Standard	Standard	A:1a
Chronic Obstructive Pul- monary Disease (COPD)	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1d
Cirrhosis of Liver	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1c
Connective Tissue Disease	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1h
Concussion – Cerebral	Full recovery with no residual effects	Standard	Standard	Standard	Standard	A:1j
Congestive Heart Fail- ure CHF)	Medically diagnosed, treated, or taken medi- cation for	Decline	Decline	Decline	Decline	A:1a
Criminal History	Convicted of any felony within the past 5 years	Decline	Decline	Decline	Decline	C:3a
Criminal History	Probation or parole within the past 6 months	Decline	Decline	Decline	Decline	C:3a
Crohn’s Disease	Medically diagnosed, treated, or taken medi- cation for prior to age 20 or within the past 12 months	Decline	Decline	Decline	Decline	A:1c
Cystic Fibrosis	Medically diagnosed, treated, or taken medica- tion for	Decline	Decline	Decline	Decline	A:1h
NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at	NOTE: * Underwriting will consider issuing the Total Disability Benefit Rider with an exclusion rider. Please contact our Underwriting Department for details via our Online Chat or at

Prescription Medication Guide

Medication	Common Use of Concern	RX Fill Within	Plan Eligibility
MEDICATION	COMMON USE OF CONCERN	RX FILL WITHIN	PLAN ELIGIBILITY
Abilify	Bi-Polar / Schizophrenia	N/A	Decline
Accupril	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Accupril	CHF	N/A	Decline
Accuretic	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Accuretic	CHF	N/A	Decline
Acebutolol HCL	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Acebutolol HCL	CHF	N/A	Decline
Aceon	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Aceon	CHF	N/A	Decline
Actoplus	Diabetes	N/A	See ‘#’ Below
Actos	Diabetes	N/A	See ‘#’ Below
Advair	Asthma	N/A	See Impairment Guide
Advair	COPD / Emphysema / Chronic Bronchitis	N/A	Decline
Aggrenox	Stroke / Heart or Circulatory Disease or Disorder	N/A	Decline
Albuterol	Asthma	N/A	See Impairment Guide
Albuterol	COPD / Emphysema / Chronic Bronchitis	N/A	Decline
Aldactazide	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Aldactazide	CHF	N/A	Decline
Aldactone	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Aldactone	CHF	N/A	Decline
Allopurinol	Gout	N/A	See Impairment Guide
Altace	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Altace	CHF	N/A	Decline
Amantadine HCL	Parkinson’s	N/A	Decline
Amaryl	Diabetes	N/A	See ‘#’ Below
Ambisome	AIDS	N/A	Decline
Amiloride HCL	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Amiloride HCL	CHF	N/A	Decline
Amlodipine Besylate/ Benaz	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Amlodipine Besylate/ Benaz	CHF	N/A	Decline
Amyl Nitrate	Angina / CHF	N/A	Decline
Antabuse	Alcohol / Drugs	4 years	Decline
Apokyn	Parkinson’s	N/A	Decline
Apresoline	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Apresoline	CHF	N/A	Decline
Aptivus	AIDS	N/A	Decline
Arimidex	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 cur- rently 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 cur- rently 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 cur- rently 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 cur- rently 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.
MEDICATION	COMMON USE OF CONCERN	RX FILL WITHIN	PLAN ELIGIBILITY
Atacand	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Atacand	CHF	N/A	Decline
Atamet	Parkinson’s	N/A	Decline
Atenolol	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Atenolol	CHF	N/A	Decline
Atgam	Organ / Tissue Transplant	N/A	Decline
Atripla	AIDS	N/A	Decline
Atrovent/Atrovent HFA Atrovent (Nasal)	Allergies	N/A	Standard
Atrovent/Atrovent HFA Atrovent (Nasal)	COPD / Emphysema / Chronic Bronchitis	N/A	Decline
Avalide	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Avalide	CHF	N/A	Decline
Avandia	Diabetes	N/A	See ‘#’ Below
Avapro	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Avapro	CHF	N/A	Decline
Avonex	Multiple Sclerosis	N/A	Decline
Azasan	Organ / Tissue Transplant	N/A	Decline
Azasan	Rheumatoid Arthritis	N/A	Decline
Azasan	Systemic Lupus (SLE)	N/A	Decline
Azathioprine	Organ / Tissue Transplant	N/A	Decline
Azathioprine	Rheumatoid Arthritis	N/A	Decline
Azathioprine	Systemic Lupus (SLE)	N/A	Decline
Azilect	Parkinson’s	N/A	Decline
Azmacort	Asthma	N/A	See Impairment Guide
Azmacort	COPD / Emphysema / Chronic Bronchitis	N/A	Decline
Azor	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Azor	CHF	N/A	Decline
Baclofen	Multiple Sclerosis	N/A	Decline
Baraclude	Liver Disorder / Hepatitis	N/A	Decline
Baraclude	Liver Failure	N/A	Decline
Benazepril HCL	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Benazepril HCL	CHF	N/A	Decline
Benicar	High Blood Pressure (HTN)	N/A	See ‘*’ Below
Benicar	CHF	N/A	Decline
Benlysta	Systemic Lupus (SLE)	N/A	Decline
Benztropine Mesylate	Parkinson’s	N/A	Decline
Benztropine Mesylate	Other Use	N/A	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 cur- rently 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 cur- rently 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 cur- rently 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 cur- rently 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
Chronic Illness Accelerated Death Benefit
Confined Care Accelerated Benefit Rider

Optional Riders

Critical Illness Rider (up to 100% of death benefit, max $100,000)
Total Disability Income Rider (DIR) – up to $1,500/month
Accident-Only Total Disability Income Rider (AODIR) – 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 DIR and AODIR cannot be issued together. The Critical Illness Rider cannot be issued with Waiver of Premium – Disability.

Conversion Options

Policies may be converted to any permanent life insurance plan currently offered by the carrier, without evidence of insurability, under the following conditions:

Before the end of the level term period
Before the policy anniversary following age 75
Or within 5 years of policy issue (whichever is later)

Additional Eligibility Restrictions

Third-party payors must be a spouse, parent (if applicant is under 30), or business partner
Applicants must have a U.S. address and Social Security Number
Restricted beneficiary types include funeral homes and individuals without clear insurable interest
State-specific replacement forms are required in CA, FL, KS, and others

Application Notes

Use carrier form #3188 for all applications
Submit via mobile app or fax
Initial premium can be paid by eCheck, personal check, or bank draft (no money orders)
Telephone interview required for applicants aged 65 and older
Point-of-sale decisions may include approval, decline, or home office referral