Diabetic Complications
Routed to TruStage TM Guaranteed Acceptance
Down's Syndrome
Routed to TruStage TM Guaranteed Acceptance
DUI
Single DUI >5 yrs, OK for Ethos Prime. Single DUI within 5 years or >1 DUI routed to TGA
Substance abuse w/in 5 yrs, or history of treatment w/multiple relapses routed to TGA. Substance abuse w/in 6-10 years w/o relapse routed to Ethos Select.
Drug Use or Treatment
Emphysema
Routed to TruStage TM Guaranteed Acceptance
W/in 6 mos, routed to TGA or Ethos Select depending on diagnosis date, seizure frequency
Epilepsy/Seizures
Convicted, incarcerated, or on parole/probation w/in 10 yrs routed to TruStage TM Guaranteed Acceptance
Felony
Fibromyalgia
Within 2 yrs, routed to Ethos Select
Gout
Accepted
Heart Attack
Routed to TruStage TM Guaranteed Acceptance
Within 2 years, or if treated surgically ( other than ablation ) routed to TruStage TM Guaranteed Acceptance
Heartbeat - Irregular/Fibrillation
Heart Disease/Disorder
Rate for or route to di ff erent product based on speci fi c diagnosis
Heart Surgery
Other than ablation, routed to TruStage TM Guaranteed Acceptance
Heart V al v e R eplacement
Routed to TruStage TM Guaranteed Acceptance
Hepatitis A
If fully recovered, ACCEPTED. If not recovered, routed to TGA
Hepatitis B
Recovered < 5 yrs or not fully recovered, route to TGA
Diagnosed in < 1 yr, routed to TGA. F ully recovered w/in 5 yrs, routed to Ethos Select. F ully recovered >5 yrs, accepted.
Hepatitis C
Requiring hospitalization or emergency care within the past 3 years, or requiring treatment with 4 or more medications - Routed to Ethos Select
High B lood P ressure
Hodgkin's Disease
< 10 yrs, routed to TGA
Hospice
Routed to TruStage TM Guaranteed Acceptance
Huntington's Disease
Routed to TruStage TM Guaranteed Acceptance
Other than Mari j uana : use within 5 years - Routed to TruStage TM Guaranteed Acceptance, use within 6-10 years routed to Ethos Select.
Illegal Drugs
Incarcerated, or on parole/probation within the past 10 years routed to TruStage TM Guaranteed Acceptance
J ail/Incarcerated
For agent use only
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