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Unique Electronic Underwriting Guide:

Quickly assess which company may offer the most favorable underwriting evaluation for your client's condition(s).

Definitions derived from actual company underwriting guidelines.
Includes PDF Underwriting Guides, Requirements and Height/Weigh Charts.

Allianz - 800-950-7372	PDF Guide \| Requirements \| Height/Weight Chart
Risk Classes: Preferred Plus, Preferred, Standard, Select I, Select II, Individual Consideration
Arrhythmia
Not Listed -
Arthritis - Osteo
Mild or minimal symptoms, or seen only on x-ray; no prescription medications for this for the past 36 months, no prednisone or cortisone treatment at any time, no surgery done or recommended; no functional limitations, no joint injections - *Preferred Plus*
Mild to moderate symptoms, regular use of nonprescription medications; no joint replacements, no functional limitations; 4 or fewer steroid or other joint injections in the past 24 months acceptable - *Preferred*
Moderate symptoms, 6 months' stability; regular use of nonprescription medications acceptable, treatment with steroid and other joint injections acceptable; no functional limitations; with one or more joint replacements - *Standard*
Moderate symptoms, no physical limitations, no use of narcotics, treatment with injections acceptable after 6 months' stability, prescription medications acceptable; multiple non-weight-bearing joint replacements. - *Select I*
Moderate symptoms, mild physical limitations, occasional use of narcotics; other prescription medications acceptable - *Select II*
With more than mild physical limitations, surgery anticipated, surgery completed in the past 6 months; regular narcotic use; need for assistive devices. - *Not Insurable*
Heart Attack
Mild, stable 36 months, nonsmoker, no functional limitations, no hypertension, no stroke, TIA, atrial fibrillation; no recent angina; no known carotid stenosis or peripheral arterial disease; placement of single stent with no subsequent angina is acceptable - *Preferred*
Mild, stable 36 months, nonsmoker, no functional limitations, mild hypertension under control, no stroke, TIA, atrial fibrillation; no recent angina; no known carotid stenosis or peripheral arterial disease; placement of single stent with no subsequent angina is acceptable - *Standard*
Moderate, nonsmoker, any other conditions well controlled; no stroke, TIA, atrial fibrillation; no recent angina; no known carotid stenosis or peripheral arterial disease; placement of single stent with no subsequent angina is acceptable - *Standard*
Moderate, nonsmoker, any other conditions well controlled; no stroke, TIA, atrial fibrillation; no recent angina, no hypertension, 24 months' stability, acceptable with mild, non-insulin dependent diabetes with onset of diabetes in the past 4 years with A1C average less than 7.0. - *Select I*
Severe, stable 24 months; nonsmoker, any other conditions well controlled, no stroke, TIA, atrial fibrillation; no recent angina; blood pressure under excellent control; ECHO with ejection fraction of 45% or greater. - *Select II*
With chronic angina, chronic chest pain, poorly controlled blood pressure, smoker , or with diabetes other than the above, or with stroke, TIA, or with atrial fibrillation, or with both hypertension and diabetes. - *Not Insurable*

Mass Mutual - 888-505-8952	PDF Guide \| Requirements \| Height/Weight Chart
Risk Classes: Ultra Preferred, Preferred, Standard, Decline
Arrhythmia
Other than atrial fibrillation - *Preferred*
Arthritis - Osteo
Mild - *Ultra Preferred*
Moderate - *Preferred*
Severe but without physical limitations - *Standard*
With physical limitation or surgery anticipated - *Decline*
Heart Attack
After 6 months: Stable and fully functional - *Ultra Preferred*
With history of bypass surgery - *Preferred/Standard*
With chronic angina (chest pain) - *Standard/Decline*
Cigarette smoker - *Decline*

Physicians Mutual -	PDF Guide \| Requirements \| Height/Weight Chart
Risk Classes: Preferred, Standard, Individual Consideration, Decline, Postpone
Arrhythmia
Controlled, unrestricted activity - *Standard*
With cardiovascular or cerebrovascular risk factors - *Individual Consideration*
Uncontrolled - *Decline*
Arthritis - Osteo
No symptoms, no spinal involvement, diagnosed by a physician, no treatment or nonprescription meds only, shown on xray only - *Preferred*
With spinal involvement: Mild-Moderate, controlled stable - *Preferred*
Symptomatic-no spinal involvement, no surgery planned. Mild or moderate treated with NSAIDS meds, occasional cortisone injections, controlled, no ADL, impairments or ambulatory probs, no assistive device - *Standard*
over 6 mos with full recovery (not receiving physical therapy or occupational therapy) - *Standard*
Surgery planned or anticipated - *Decline*
Severe, with mobility, ADL or ambulatory problems - *Decline*
with physical limitations, current or ongoing physical or occupational therapy - *Decline*
Assistive device use - *Decline*
Assistive device use - *Decline*
History of joint replacement: within 6 mos - *Postpone*
Heart Attack
After six months, return to unrestricted activity - *Standard*
Within six months - *Postpone*