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Eligibility
The following will disqualify clients from Simple Term: 1 • DUI/DWI conviction within five years • Currently suspended/revoked license within the past 12 months • Permanently disabled (receiving benefits) • History of criminal record Disqualifying occupations: 1 • Astronaut • Bridge worker
Eligibility
Proposed insureds must be: • Ages 20 to 60 • A permanent resident of the US • Applying for no more than $500,000 in coverage and not replacing any inforce coverage The following medical conditions are NOT eligible for Simple Term with Vitality: • AIDS or HIV • Alzheimer’s disease, dementia, cognitive impairment or memory loss • Chronic obstructive pulmonary disease (including emphysema) • Degenerative neurological disease (e.g., Parkinson’s
Risk class criteria
Prescription drug exclusions
• Celebrity • Diplomat • Embassy personnel • Explosive handler • Fishing
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disease, multiple sclerosis, muscular dystrophy) • Psychosis, schizophrenia, attempted suicide • Organ transplant recipient • Family history of Huntington’s disease or polycystic kidney disease • Diagnostic testing that has been recommended but not completed • Diagnostic testing completed or recommended in the past three months • Diabetes with complications, including but not limited to nerve pain, skin ulcers, vision problems, or kidney problems, all ages; see page 5 for additional details
• Coronary disorder or vascular disease including a history of stroke, heart attack, stent placement, cardiomyopathy • Peripheral vascular disease • Cancer, including, but not limited to malignant melanoma, lymphoma, brain tumor or leukemia — and excluding basal cell/squamous cell skin cancer and Stage 0 melanoma in-situ . • A history of treatment for alcohol or substance abuse or advised to discontinue/limit use by a medical professional • Cirrhosis of the liver • Kidney disease or failure
• Foreign aid worker • Foreign journalist • Government officials • Oil worker • Mining • Professional car racing • Professional diver • Professional athlete • Steeplejack • Structural steel or iron worker
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1. Please note this is not a comprehensive list, but is intended to give you guidance regarding what will not be eligible for this product.
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