Health Needs Assessment Guide
Medical Impairments, Definitions, and Examples
This is a guide; it is not all inclusive and is intended for use only by licensed life insurance agents appointed to sell TruStage TM insurance products. This is not to be shown or distributed to the public.
DO NOT read any of the following to consumers and NEVER lead a consumer to use specific terms to describe their condition(s).
Individuals who indicate they have a health issue should be asked to elaborate. If the condition they mention appears on the following list of generally declinable conditions, they may not be a good fit for an underwritten TruStage product. • Alcohol/Drug abuse
• ALS (Atrophic Later Sclerosis)/Lou Gehrig’s Disease • Alzheimer’s Disease, Dementia, or Memory Loss • Cancer (excluding basis or squamous cell skin cancer) • Cirrhosis of the Liver • Congestive Heart Failure (CHF) • Down’s Syndrome • Heart Valve Replacement or Repair • HIV, AIDS, or ARC • Schizophrenia or Psychosis • Pulmonary Fibrosis • Stroke (does not include TIA – transient ischemic attack)
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TruStage™ Term Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Base Form: ICC25-PBT1, 2025-PBT1. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage The products you have from CMFG Life Insurance Company and MEMBERS Life Insurance Company are designed to help meet the needs of your customer. As an insurance agent, you must carefully evaluate each client's financial situation, needs, objectives, and risk tolerance before recommending any insurance or investment product.
TAWL, GAWL, PBT-8403691.1-0925-1027
For Internal use only. Not to be shown or distributed to the public.
Individuals who indicate any of the following may also not be good candidates for an underwritten TruStage product: • Unable to perform activities of daily living independently. • Lacks contractual capacity. • Currently hospitalized, incarcerated, or residing in a nursing facility. • Receives dialysis or is dependent on oxygen. • Non-US Citizens • Weight less than 85 lbs. or more than 450 lbs. • Height less than 4’8” or more than 7’. • Has been declined for any life insurance within the past 30 days. Chronic: treatment or symptoms lasting more than 3 months (except for depression which is considered chronic if treatment or symptoms last more than 6 months). Treatment: the management and care to combat disease or disorder, to control a health problem, lessen its symptoms, or clear it up. Treatments can include medicine, therapy, surgery, or other approaches. Continuing treatment includes prescription medication(s) or therapy requiring special equipment to resolve or alleviate a health condition (this includes permanent implants).
Examples of heart diseases and conditions: • Aortic Aneurysm
• Atrial fibrillation/atrial flutter or irregularity • Cardiomyopathy
• Congenital heart disease • Congestive Heart Failure • Coronary Artery Disease (CAD) • Bypass surgery/Stent Placement/Angioplasty • Heart murmur • Heart Valve disorder (including repair or replacement) • Myocardial Infarction/Heart Attack • Pacemaker or Defibrillator placement (would be due to irregularities)
Insurance | Investments | Technology
TruStage™ Term Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Base Form: ICC25-PBT1, 2025-PBT1. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage The products you have from CMFG Life Insurance Company and MEMBERS Life Insurance Company are designed to help meet the needs of your customer. As an insurance agent, you must carefully evaluate each client's financial situation, needs, objectives, and risk tolerance before recommending any insurance or investment product.
TAWL, GAWL, PBT-8403691.1-0925-1027
For Internal use only. Not to be shown or distributed to the public.
• Pulmonary hypertension/stenosis
Examples of disorders of the brain or spinal nerve: • Alzheimer’s disease • Cerebral Palsy • Dementia
• Head injury/brain injury • Huntington’s disease • Hydrocephalus • Lou Gehrig’s disease/ALS • Memory loss • Multiple Sclerosis • Paralysis Parkinson’s disease • Spinal Stenosis Seizures
Kidney disease terms:
• Kidney failure/dialysis • Polycystic kidney disease
Examples of chronic lung conditions: • Chronic bronchitis
• Chronic obstructive pulmonary disease (COPD) • Emphysema • Pulmonary fibrosis • Sarcoidosis
Examples of mental disorders • Autism
Insurance | Investments | Technology
TruStage™ Term Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Base Form: ICC25-PBT1, 2025-PBT1. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage The products you have from CMFG Life Insurance Company and MEMBERS Life Insurance Company are designed to help meet the needs of your customer. As an insurance agent, you must carefully evaluate each client's financial situation, needs, objectives, and risk tolerance before recommending any insurance or investment product.
TAWL, GAWL, PBT-8403691.1-0925-1027
For Internal use only. Not to be shown or distributed to the public.
• Bipolar disorder • Downs syndrome • Schizophrenia
Examples of mental health disorders: • Anxiety • Depression
• Post-traumatic stress disorder (PTSD)
If a consumer is ever unsure about the categorization, severity, or nature of their condition, direct them back to their physician.
Insurance | Investments | Technology
TruStage™ Term Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Base Form: ICC25-PBT1, 2025-PBT1. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage The products you have from CMFG Life Insurance Company and MEMBERS Life Insurance Company are designed to help meet the needs of your customer. As an insurance agent, you must carefully evaluate each client's financial situation, needs, objectives, and risk tolerance before recommending any insurance or investment product.
TAWL, GAWL, PBT-8403691.1-0925-1027
For Internal use only. Not to be shown or distributed to the public.
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