| Conditions | MOO | Royal | TransFE Exp | TransImm Sol | AIG SIWL | Americo | Foresters | Occ SC | LBL | CVS | Occ FC | UHL |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Issue Age | 45-85 | 50-85 | 18-85 | 0-85 | 50-80 | 40-85 | 50-85 | 50-85 | 18-80 | 40-89 | 0-49 | 0-80 |
| Max Face | 2k - 50k | 5k - 40k | 5k - 50k* | 2k - 50k* | 5k -25K - 35k* | 5k - 40k | 5k - 35k | 2.5k - 50k | 2k - 40k | 2k - 50k* | 2.5k - 50k | 50k |
| Payment Methods | No Cards | No Cards | All | All | All | No Cards or Online Banks | No Cards or Online Banks | No Cards | No Cards or Online Banks | No Cards | No Cards | No Cards |
| Paid On | Issue | Issue | Issue | Draft | Draft | Issue | Issue | Issue | Issue | Draft | Issue | Draft |
| Reports On | Issue | Issue | Draft | Draft | Draft | Issue | Issue | Draft | Draft | Draft | Draft | Draft |
| Build | Yes | No | Yes | *Yes* | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes |
| Tobacco Use | All | All | All | All | All | All | All | Excl. Cigars | All | All | All | All |
| Hospitalization | N/A | N/A | Last Year | *Last Year* | N/A | Last 6 mo | N/A | N/A | Last Year | N/A | N/A | 2+ times Last Yr |
| Activities of Daily Living | Denied | Modified | Denied | Denied | Denied | Modified | Denied | Denied | Denied | Denied | Denied | Denied |
| AFib/irreg rhythm | Modified | Preferred | Preferred | Preferred | UW Guide | Preferred | Preferred | Preferred | Standard | Preferred | Modified | Modified |
| AFib/irreg rhythm Untreated | Modified | Preferred | Preferred | Preferred | UW Guide | Preferred | Preferred | Preferred | Standard | Preferred | Modified | 2+ yrs Pref |
| Amputation (diabetic) | Denied | Graded | Denied | Denied | Denied | Modified | Denied | Denied | Denied | Denied | Denied | Preferred |
| Amputation (non-diabetic) | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred |
| Angina off meds (12-24 mo) | Preferred | Preferred | Preferred | Preferred | UW Guide | Preferred | Standard | Modified | Modified | Standard | Preferred | Modified |
| Angina off meds (24+ mo) | Preferred | Preferred | Preferred | Preferred | UW Guide | Preferred | Preferred | Modified | Preferred | Preferred | Preferred | Modified |
| Angina on meds (12-24 mo) | Modified | Preferred | Preferred | Preferred | UW Guide | Modified | Modified | Modified | Modified | Modified | Preferred | Modified |
| Angina on meds (24+ mo) | Modified | Preferred | Preferred | Preferred | UW Guide | Modified | Modified | Modified | Modified | Modified | Preferred | Modified |
| Bi-Polar | Modified | Standard | Preferred | Preferred | Modified | Preferred | Preferred | Preferred | Preferred | Preferred | Denied | Standard |
| Blood Clot (12-24 mo) | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Standard | Preferred | Modified | Standard | Modified | Modified |
| Blood Clot (24+ mo) | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Modified | Preferred |
| Cancer - Metastatic | Denied | Modified | Denied | Denied | Denied | Modified | Denied | Preferred | Denied | Denied | Preferred | Preferred |
| Cancer - Multiple Types/Times | Preferred | Modified | Denied | Denied | UW Guide | Modified | Denied | Modified | Denied | Denied | Preferred | Preferred |
| Cancer - Recurring | Denied | Modified | Denied | Denied | UW Guide | Modified | Denied | Modified | Denied | Denied | Preferred | Preferred |
| Cancer (2+ yrs) | Modified | Graded | Modified | Standard | UW Guide | Preferred | Modified | Graded | Modified | Preferred | Denied | Pref, meds ok |
| Cancer (3+ yrs) | Modified | Graded | Modified | Standard | UW Guide | Preferred | Pref, meds ok | Preferred | Preferred | Preferred | Denied | Pref, meds ok |
| Cancer (4+ yrs) | Pref, meds ok | Graded | Preferred | Standard | UW Guide | Preferred | Pref, meds ok | Preferred | Preferred | Preferred | Denied | Pref, meds ok |
| Cancer (5+ yrs) | Pref, meds ok | Standard | Preferred | Standard | Preferred | Preferred | Pref, meds ok | Preferred | Preferred | Preferred | Preferred | Pref, meds ok |
| Cerebral Palsy | Preferred | Preferred | Denied | Denied | Preferred | Preferred | Preferred | Graded | Preferred | Denied | Modified | Preferred |
| CHF | Denied | Modified | Preferred | Standard | Modified | Modified | Denied | Denied | Denied | Denied | Denied | Modified |
| Cirrhosis | Modified | Modified | Modified | Standard | Modified | Modified | Standard | Graded | Standard | Modified | Modified | Modified |
| COPD | Modified | Standard | Preferred | *Standard* | Denied | Modified | Standard | Graded | Standard | Standard | Modified | Modified |
| COPD - Tobacco User | Modified | Modified | Preferred | *Standard* | Denied | Modified | Standard | Graded | Modified | Standard | Modified | Modified |
| COPD (not treated 24 mo) | Modified | Standard | Preferred | *Standard* | Denied | Modified | Standard | Graded | Standard | Standard | Modified | Preferred |
| Crohns Disease | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Modified | Preferred |
| Defibrillator (12-24 mo) | Modified | Modified | Denied | Preferred | Modified | Modified | Standard | Modified | Denied | Standard | Denied | Modified |
| Defibrillator (24+ mo) | Modified | Modified | Denied | Preferred | Modified | Modified | Preferred | Preferred | Denied | Preferred | Denied | Preferred |
| Diabetic No Insulin Complications | Modified | Standard | Preferred | Standard | Preferred | Modified | Modified | Modified | Modified | Modified | Denied | Modified |
| Diabetic Insulin Complications | Modified | Modified | Preferred | Standard | Modified | Modified | Modified | Modified | Modified | Modified | Denied | Modified |
| Diabetic Hx of Heart/Stroke | Preferred | Standard | Modified | Modified | Denied | Preferred | Preferred | Preferred | Preferred | Modified | Denied | Modified |
| Epilepsy / Seizures | Preferred | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Graded | Standard | Preferred | Modified | Preferred |
| Felony (Within 2 yrs) | Modified | Denied | Denied | Denied | Denied | Preferred | Preferred | Preferred | Modified | Preferred | Denied | Modified |
| Heart Attack (12-24 mo) | Modified | Graded | Preferred | Preferred | UW Guide | Preferred | Standard | Modified | Modified | Standard | Denied | Modified |
| Heart Attack (24-36 mo) | Preferred | Standard | Preferred | Preferred | UW Guide | Preferred | Preferred | Standard | Preferred | Preferred | Denied | Preferred |
| Heart Attack (36+ mo) | Preferred | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Denied | Preferred |
| Hep C Treated (12-24 mo) | Modified | Standard | Preferred | Standard | Preferred | Modified | Standard | Graded | Modified | Modified | Modified | Modified |
| Hep C Treated (24+ mo) | Modified | Standard | Preferred | Standard | Preferred | Modified | Standard | Graded | Standard | Preferred | Modified | Modified |
| Hep C Treated (36+ mo) | Modified | Standard | Preferred | Standard | Preferred | Modified | Standard | Preferred | Standard | Preferred | Modified | Modified |
| Hep C Untreated | Modified | Standard | Preferred | Standard | Preferred | Modified | Standard | Preferred | Denied | 2+ yrs Pref | Modified | Modified |
| Insulin | 50+ Pref | Standard | Preferred | Standard | Modified | Preferred | Preferred | 50+ Pref | Standard | Preferred | Denied | Standard |
| Kidney Disease Dgn <12mo | Modified | Modified | Preferred | Standard | Modified | Modified | Standard | Modified | Modified | Modified | Preferred | Modified |
| Kidney Disease Dgn >12mo | Modified | Graded | Preferred | Standard | Modified | Modified | Standard | Modified | Modified | Modified | Preferred | Modified |
| Kidney Disease Untreated | Modified | Graded | Preferred | Standard | Modified | Modified | Standard | Modified | Modified | 2+ yrs Pref | Preferred | 2+ yrs Pref |
| Liver Disease | Modified | Modified | Modified | Standard | Modified | Modified | Standard | Graded | Standard | Modified | Modified | Modified |
| Liver Disease Untreated | Modified | Modified | Preferred | Standard | Modified | Modified | Standard | Preferred | Standard | 2+ yrs Pref | Modified | 2+ yrs Pref |
| Lupus (being treated) | Modified | Modified | Preferred | Preferred | Modified | Denied | Standard | Graded | Modified | Standard | Denied | Standard |
| Lupus (not being treated) | 4+ yrs Pref | Modified | Preferred | Preferred | Modified | Denied | Standard | Preferred | Modified | Preferred | Denied | 2+ yrs Pref |
| Mental Illness (Anxiety, Depression) | Modified | Preferred | Preferred | Preferred | Modified | Preferred | Preferred | Preferred | Preferred | Preferred | Denied | Standard |
| MS (being treated) | Modified | Standard | Preferred | Preferred | Modified | Denied | Preferred | Graded | Modified | Standard | Modified | Modified |
| MS (not being treated) | 4+ yrs Pref | Standard | Preferred | Preferred | Modified | Denied | Preferred | Preferred | Modified | 2+ yrs Pref | Modified | Modified |
| Oxygen (for sleep apnea) | Preferred | Modified | Modified | *Standard* | Preferred | Modified | Preferred | Denied | Modified | Preferred | Denied | Denied |
| Oxygen (no longer using) | Modified | Standard | 1+ yrs Pref | *Standard* | Modified | 6+ mo Pref | 1+ yrs Pref | Denied | 1+ yrs Pref | 1+ yrs Pref | Denied | Denied |
| Pacemaker (12-24 mo) | Modified | Standard | Preferred | Preferred | Modified | Preferred | Standard | Modified | Modified | Standard | Denied | Modified |
| Pacemaker (24+ mo) | Modified | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Denied | Preferred |
| Pain - Narcotics/Opioids (over 6mo) | Preferred | Graded | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Modified | Preferred | Preferred | Preferred |
| Pain - Narcotics/Opioids (under 6mo) | Preferred | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Modified | Preferred | Preferred | Preferred |
| Pancreatitis | Preferred | Standard | Modified | Preferred | Preferred | Preferred | Preferred | Modified | Standard | Preferred | Modified | Preferred |
| Parkinsons | Modified | Standard | Preferred | Preferred | Modified | Denied | Standard | Graded | Standard | Standard | Modified | Modified |
| Schizophrenia | Modified | Standard | Preferred | Preferred | Modified | Preferred | Preferred | Preferred | Denied | Preferred | Denied | Standard |
| Seizures | Preferred | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Graded | Standard | Preferred | Modified | Preferred |
| Sickle Cell Anemia | Denied | Modified | Denied | Denied | Denied | Preferred | Preferred | Preferred | Modified | Denied | Preferred | Modified |
| Stent (12-24 mo) | Modified | Graded | Preferred | Preferred | UW Guide | Preferred | Standard | Graded | Modified | Standard | Modified | Modified |
| Stent (24-36 mo) | Preferred | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Graded | Preferred | Preferred | Modified | Preferred |
| Stent (36+ mo) | Preferred | Standard | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred |
| Stroke (12-24 mo) | Modified | Standard | Preferred | *Standard* | Modified | Preferred | Standard | Modified | Modified | Standard | Denied | Modified |
| Stroke (24-36 mo) | Preferred | Standard | Preferred | *Standard* | Preferred | Preferred | Preferred | Graded | Preferred | Preferred | Denied | Preferred |
| Stroke (36+ mo) | Preferred | Standard | Preferred | *Standard* | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Denied | Preferred |
| TIA - (0-12 mo) No New Thinners | Modified | Graded | Preferred | *Standard* | UW Guide | Preferred | Modified | Modified | Standard | Modified | Denied | Modified |
| Ulcerative Colitis | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Preferred | Graded | Preferred | Preferred | Modified | Preferred |
| Wheel Chair Confined | Modified | Denied | Modified | Modified | Denied | Denied | Denied | Denied | Modified | Denied | Preferred | Preferred |
| Wheel Chair Use | Modified | Preferred | 1+ yrs Pref | Preferred | Preferred | 6+ mo Pref | Denied | Preferred | Modified | Denied | Preferred | Preferred |