Underwriting data and eligibility
B el o w fi nd commo n co nditi o n s and be s t -c a s e sc enari os fo r ea ch. “B e s t -c a s e sc enari o” d o e s n ’ t indi c ate eligibility fo r a sp e c i fic p r o d uc t o r rate c la ss b u t de sc ribe s t h e be s t c a s e h ealt h s tat us of an a pp li c ant ’s gi v en m edi c al co nditi o n . Th i s h ealt h s tat us w ou ld re su lt in t h e l o we s t poss ible p re m i um. Condition-specific ratings
Condition
Best-case scenario for this health condition*
Well-controlled symptoms, compliance with treatment regimen, no history of suicidal ideation or attempts, no hospitalizations or emergency care
Anxiety
Well-controlled symptoms, compliance with treatment regimen, diagnosed more than 6 months ago, no history of suicidal ideation or attempts, no hospitalizations or emergency care
Depression
Applicants actively engaged in their care with regular office visits and blood testing/A1C monitoring with A1C (measure of average blood glucose or blood sugar level over the past 3 months) levels that are well- controlled and stable on their current treatment regimen (medication, diet, exercise, etc.) Diagnosed with a sleep study and is actively being treated for this condition. CPAP/BiPAP compliant (or at least 2x per week). No episodes of falling asleep during waking hours or driving. Regular use of prescribed special devices or pillows to prevent sleeping on the back, oral appliances or dental devices, nose plugs/nose filters, surgery.
Diabetes
Sleep Apnea
E xcellent treatment compliance and consistent control of BP with average not exceeding the following maximum BPs by age L
Hypertension / Blood Pressure
f 1 8- 3 9 : 13 5 / 8H f 4 0 -49 : 1 4 0/ 9Z f 5 0 - 6 5 : 1 45 / 95
Hyperlipidemia/ High Cholesterol
Total cholesterol 100–260 measured within the past year, treated by up to 2 medications
Treated or Untreated HIV/AIDS: Guaranteed Issue Only
HIV/AIDS
>14 days since testing positive or experiencing symptoms, with no residual impairments, complications, or side effects Uninsurable for Ethos Prime Term: Any symptoms or positive test result within the past 15–30 days
COVID - 1 9
10
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