Read-only cheat sheet — please read it here on this page. This cheat sheet is not available to download or print.
One table for the whole health check: find your client’s condition in the first column, then read across to see how each of the six carriers treats it — Level, Graded, Modified, GI or decline — before you pick where to place the case.
| Health Condition | Securico | American Amicable | Royal Neighbors | Corebridge | Aetna CVS Health/Accendo | Transamerica Life |
|---|---|---|---|---|---|---|
| Activities Of Daily Living | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Graded |
| AIDS/HIV | Declined / GI | Decline | AIDS – Decline, HIV – Graded | Declined / GI | Decline | Declined |
| Amputation (Due to Diabetes) | Declined / GI | Graded | Decline | Declined / GI | Graded | Declined |
| Aneurysms | Diagnosed within the past 2 years – ROP Diagnosed within the past 3 years – Graded | Diagnosed within the past 2 years – ROP Diagnosed within the past 3 years – Graded | Within 12 months – Graded more than 12 months – Standard | Last 6 months – Declined / GI Last 24 months with repair surgery – Level Last 24 months without surgery to repair – Graded | Declined / GI | Declined |
| Alcohol / Drug Abuse | 3+ Years = Level, Within 3 Years = Graded | 3+ Years = Level, Within 3 Years = Graded | More than 3 years – Immediate Within 3 years – Standard | More than 3 years – Immediate Within 3 years – Decline | 2+ Years = Level, Within 2 Years = Decline | 2+ Years = Level, Within 2 Years = Decline |
| Alzheimer’s / Dementia | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Angina | Diagnosed over 3 years – Level Diagnosed within the past 3 years – Graded | Diagnosed within the past 2 years – ROP Diagnosed within the past 3 years – Graded | Within 48 months – Graded More than 48 months – Level | Last 6 months – GI Over 6 months with tobaco usage – Graded Over 6 months without tobaco usgae – level | Declined / GI | Declined |
| Asthma | Level | Level | Standard | Level | Level | Level |
| Atrial Fibrillation (AFIB) | Level | Level | Standard | Level | Level | Level |
| Bi-Polar | Level | Level | Standard | Level | Level | Level |
| Cancer History | Skin Cancer – level within 2 years of treatment – Modified Treatment 2-5 years ago – graded Treatment more than 5 years ago – Level | <5years = Decline | Skin Cancer – level Current or within 2 years of treatment – GI Treatment 2-5 years ago – graded Treatment more than 5 years ago – Level | Skin Cancer – level Current or within 2 years of treatment – graded or GI Treatment more than 2 years ago – Level | <2 Years = Decline | <2 Years = Graded, 2-4 years = Standard, >4 Years = Preferred |
| Chronic Bronchitis | Level | Level | Standard | Level | Level | Level |
| Cirrhosis Of The Liver | Diagnosed within the past 2 years – Modified Diagnosed more than 2 years ago – Graded over 5 is Level | Decline | Declined / GI | Declined / GI | Decline | Declined |
| COPD | Level | Level | Standard | Level | Level | Level |
| Congestive Heart Failure | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Coronary Artery Disease | Graded | Level | Standard | Level | Graded | Graded |
| Defibrillator | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Diabetes | Level | Level | Standard | Level | Level | Level |
| Dialysis | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Emphysema | Level | Level | Standard | Level | Level | Level |
| Epilepsy / Seizures | Level | Level | Standard | Level | Level | Level |
| Heart Attacks | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | Within 48 months – Graded More than 48 months – Level | Last 6 months – Declined / GI Last 24 months with tobacco – Graded Last 24 months without tobacco – Level | Declined / GI | Declined |
| Heart Surgery (Valve Replacement) | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | Within 48 months – Graded More than 48 months – Level | Last 6 months – Declined / GI Last 24 months with tobacco – Graded Last 24 months without tobacco – Level | Declined / GI | Declined |
| Hepatitis C | Level | Level | Standard | Level | Level | Level |
| High Blood Pressure | Level | Level | Standard | Level | Level | Level |
| High Cholesterol | Level | Level | Standard | Level | Level | Level |
| Kidney Disease | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Liver Disease | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Multiple Sclerosis | Level | Level | Standard | Level | Level | Level |
| Neuropathy | Level | Level | Standard | Level | Level | Level |
| Oxygen Use | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Pacemaker | Level | Level | Standard | Level | Level | Level |
| Parkinson’s | Level | Level | Standard | Level | Level | Level |
| Peripheral Vascular Disease | Level | Level | Standard | Level | Level | Level |
| Renal Failure | Declined / GI | Decline | Declined / GI | Declined / GI | Decline | Declined |
| Sleep Apnea | Level | Level | Standard | Level | Level | Level |
| Stent | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | Within 48 months – Graded More than 48 months – Level | Last 6 months – Decline / GI last 24 months with tobacco usage – Graded Last 24 months without tobacco – Level | Declined / GI | Declined |
| Stroke | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | 5+ Years = Level, 3 – 5 Years = Graded, <3 Year = Modified | Within 48 months – Graded More than 48 months – Level | Last 6 months – Declined / GI Last 24 months with tobacco – Graded Last 24 months without tobacco – Level | Declined / GI | Declined |
| TIA | 3+ Years = Level, Within 3 Years = Graded | 3+ Years = Level, Within 3 Years = Graded | 3+ Years = Immediate, 2–3 Years = Graded, <2 Year = ROP | 3+ Years = Immediate, 2–3 Years = Graded, <2 Year = ROP | 2+ Years = Level, Within 2 Years = Decline | 2+ Years = Level, Within 2 Years = Decline |
| Walker | Declined / GI | Graded | Decline | Declined / GI | Graded | Declined |
| Wheelchair Use? | Declined / GI | Due to chronic illness or disease = Decline, Due to accident = Immediate | Perment – Declined / GI Tempoary due to injury – Standard | Perment – Declined / GI Tempoary due to injury – Standard | Declined | Graded |
IMPORTANT — Transamerica (TA) Underwriting Note: Graded if client has taken pain pills >6 months continuously.