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Impairment Guide
This guidance is applicable to any TruStage simplified issue life products. Note that TruStage TM Guaranteed Acceptance Whole Life (GAWL) is not subject to any underwriting requirements.
Height/Weight Regarding general eligibility limits for our simplified issue products, we cannot insure an applicant with weight less than 85lbs or more than 450lbs. We also do not currently offer coverage for people less than 4’8” tall or more than 7' tall. For all other applicants who are not excluded by those limits, their underwriting decision will be determined by a variety of other factors including their age, product, coverage amount, medical impairments as well as their prescription history and electronic health records. The applicant must answer all health questions honestly and let the underwriting rules determine if they are approved or declined for the life insurance coverage they are applying for. Tobacco Use All applicants who have used tobacco or nicotine products within the past 12 months will receive tobacco premium rates for products with tobacco-distinct rates (TruStage TM Advantage Whole Life and TruStage TM Simplified Issue Term Life Band 2). The applicant must answer “yes” for tobacco if they have used tobacco or nicotine products in any form within one year prior to the application. This includes nicotine gum, nicotine patches, cigarettes, cigars, pipe tobacco, vaping, electronic cigarettes, hookah, etc. Marijuana use, whether medical or recreational, does not constitute tobacco or nicotine, and therefor does not require a “yes” answer . After the policy has been issued, changes from Tobacco to Non-Tobacco rates may be allowed with evidence of insurability and a completed Policy Change Form. To qualify for this premium rate change, the insured must not have used tobacco in any form or a nicotine substitute in the last 12 months at the time of the request. Uninsurable Impairments Very few of the health questions on our applications are treated as an absolute “knock - out” for coverage eligibility. Instead, most underwriting rules will vary depending on the age of the applicant, the amount of coverage applied for, the combination of medical impairments along with their prescription history and electronic health records. For this reason, we are not able to share specific knock-out questions. The wording of each application question is straightforward and must be interpreted literally. The applicant must answer all health questions honestly and allow the underwriting rules to determine if they are approved or declined for the coverage they are applying for.
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TruStage ™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. 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. Base Form Numbers for coverage under 100k: ICC16-A10a-039, A10a-039- 2016 & over 100k ICC17-SIT-2, 2017-SIT-2. 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
TAWL, GAWL, SIT1, SIT2-6483292.1-0324-0426
For Internal use only. Not to be shown or distributed to the public.
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