Knockout Conditions for Ethos Term Products

Neurogenic bladder, Kidney failure, Polycystic Kidney Disease, Chronic Kidney Disease, Dialysis, transplant, or unresolved acute kidney conditions - routed to TruStage TM Guaranteed Acceptance

Kidney Disease/Failure

Liver Disease

Routed to TruStage TM Guaranteed Acceptance

Lupus

Routed to Ethos Select

OK for recreational + medicinal, may be routed to Ethos Select or TruStage TM Guaranteed Acceptance for high frequency or medicinal reason.

Marijuana Use

Melanoma

<5 yrs or >1 instance, routed to Ethos Select. Metastises routed to TGA

Mental Incapacity/Disability

Routed to TruStage TM Guaranteed Acceptance

On deployment or deployment planned, hazmat exposure or participation in high risk activities due to occupation, routed to TGA or Ethos Select

Military

<5 yrs & requiring assistive devices, routed to Ethos Select. Progressive, relapsing or remitting, or treated with IV infusion or bone marrow transplant, routed to TGA

Multiple S clerosis ( M S)

Muscular Dystrop h y

Routed to TruStage TM Guaranteed Acceptance

Muscle Disease or Disorder

Chronic or acute w / o current full recovery, route to TGA

Combined with Diabetes, routed to Ethos Select. Chronic routed to TGA

N europat h y

Ox y g en

Routed to TruStage TM Guaranteed Acceptance

P acema k er/De fi brillator Implant

Routed to TruStage TM Guaranteed Acceptance

Prescribed more than one narcotic within the past 3-6 months - routed to Select or TruStage TM Guaranteed Acceptance depending on the speci fi c narcotic

P ain Medication

Single episode more than 5 years ago, non-alcohol related, and fully recovered - Accepted. 2 episodes - routed to Ethos Select. Multiple episodes, or any episodes within the past 5 years - routed to TruStage TM Guaranteed Acceptance

P ancreatitis

P araple g ia

Routed to TruStage TM Guaranteed Acceptance

P ar k inson ' s Disease

Routed to Ethos Select

P arole/ P robation ( currently )

Routed to TruStage TM Guaranteed Acceptance

PA D/ PV D

Routed to TruStage TM Guaranteed Acceptance

Student, recreational, or professional pilot not with a ma j or passenger or cargo carrier - routed to TGA

P ilot or S tudent P ilot

P re g nant

Currently pregnant with complications - Routed to TruStage TM Guaranteed Acceptance

< 6 mos, requiring > 3 meds, or claiming disability, routed to Ethos Select. Inpatient treatment < 2 yrs or history of suicide attempt or ideation <5 yrs, routed to TGA

P T S D

For a g ent use only

Pg . 4 o f 5

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