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approved or declined for the coverage they are applying for. If the customer is unsure how to answer a health question, they should be referred to their physician for assistance prior to completing an application.
Frequently Asked Questions
Here are answers to some of the questions we hear most often from agents and distributors.
1. Question: What type(s) of diabetes require a “yes” answer? Answer: If the application asks for any treatment or diagnosis of diabetes “requiring insulin” and the applicant does not require insulin, they should not answer “yes.” However, if the question does not reference insulin, any diabetes treatment or diagnosis in the past five years would require a “yes” answer. 2. Question: If the applicant was diagnosed with any condition more than five years ago and they are taking prescription medication to manage their condition, should they answer “yes” to that question? Answer: Any ongoing medication is considered treatment for a condition, and therefore the applicant must answer “yes” to that question.
3. Question: Is COPD considered a chronic lung condition? Answer: Yes, applicants with COPD should answer “yes” to chronic lung condition.
4. Question: What is considered “chronic depression” and when should applicants answer “yes” to that condition? Answer: Depression is considered chronic when treatment or symptoms last longer than six months. If the applicant is unsure whether their condition is chronic, they should verify their diagnosis with their physician or psychiatrist. 5. Question: Is TIA considered a stroke? Answer: Transient ischemic attack (TIA) is a separate diagnosis from a stroke. An applicant who as experienced an episode of TIA but not stroke should not answer “yes” to treatment or diagnosis of stroke.
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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
TAWL, GAWL, PBT-8321045.1-0825-0927
For Internal use only. Not to be shown or distributed to the public.
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