Medical knockouts (continued)
Ethos IUL
Leading competitor
If average BP within past 12 monthsx v Age 18–39 >150/9r v Age 40–49: >160/9r v Age 50–59: ≥165/10n v Age 60: >175/100
Blood pressure
If hospitalized within past 10 years
All cancers diagnosed within past 10 years except for skin cancers
All cancer except basal cell and squamous cell carcinoma
Cancer
All types of heart disease ; some surgery after 5 years considered
Cardiovascular disease
All types of heart disease or surgery
Cholesterol
T otal cholesterol >350
None
If any of the following applyx C U nder age 3B C D iabetes is associated with physical complications ( eyes, kidneys, neuropathy, amputation T C Within last 12 month = v A1C >9. 4 v Fasting blood sugar >20n v Non - fasting blood sugar >25n C No testing or check up within the last 12 month = C BMI >41.49 Ineligible if unable to work more than 30 consecutive days due to in j ury/illness within the past 12 months. I nstant decision on all other instances . I neligi b le conditions : K idney failure, polycystic kidney disease, chronic kidney disease, dialysis ( other than kidney stones )
If any of the following applyx C U nder age 4i C With any complications
D ia b etes
D isa b ility
Case by case determination
K idney disease or disorder
All cases
L iver disease or disorder
I neligi b le conditions : Any other than recovered Hep A or Hep B/C recovered within past 5 years
All cases
Anxiety, depression, P T S D , bipolar disorder, or other mental disorder with history o f any o f the f ollowing S v S uicidal thoughts or attempt within 10 year = v Hospitalization or inpatient treatment within the last 5 year = v D isability or missed work/school ( more than 10 days ) in the last 12 months Can b e covered : E pilepsy/seizures, multiple sclerosis, Bell ’ s palsy, restless leg, narcolepsy, vertigo, migraine
Mental health
Bipolar, severe P T S D
N eurological disease or b rain disorder
Can b e covered : Bell ’ s palsy, restless leg, narcolepsy, vertigo, migraines
O rgan transplant
All cases
All cases
Chronic obstructive pulmonary disease, emphysema or chronic bronchitis, pulmonary fibrosis, cystic fibrosis ( CF ) , central sleep apnea
S evere asthma, chronic obstructive pulmonary disease, severe bronchitis, emphysema, sleep apnea ( not treated ) , cystic fibrosis
R espiratory disease or disorder
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