Home
Risk class criteria
Eligibility
Preferred
Current acceptance
Current decline
Risk class criteria
Build
• Includes healthier BMIs
Rx
• Prescriptions: Includes medical histories that do not have a significant impact on mortality ( i.e. Asthma treated with one medication excluding oral steroids, Hypertension on one medication over age 35 etc.)
Prescription drug exclusions
MVR
• Maximum of 2 moving violations in the past 2 years
Standard
Current acceptance
Current decline
Build charts & Database checks
Disability
• Accept applicants working full time but receiving military or own-occupation disability
• Anyone receiving disability benefits that is not working full time
Cancer
• Accept Stage 0 Melanoma/Melanoma in situ
• Any other stages of melanoma
Medication
• Accept single fill medication without any other indication of chronic disease (e.g. one time use of Lasix)
• Any ongoing prescription for treatment of significant chronic condition (e.g. Lasix for congestive heart failure)
FAQs
Select
Current acceptance
Current decline
Contact us
Diabetes
• Type I diabetics over age 40 without serious risk factors • Type II diabetics diagnosed after age 30 without serious risk factors
• Applicants with comorbidities or complications like kidney disease or vision problems • Type 1 diabetics under age 40 • Diabetics who smoke
MVR
• Increasing the number of acceptable moving violations
• Applicants with suspended/revoked license • DUI/DWI or other reckless driving • Excessive moving violations
Page 3 of 7 | Simple Term with Vitality
Made with FlippingBook - professional solution for displaying marketing and sales documents online