|
Addison’s Disease |
2.75 times the best rate |
|
ADHD/ADD |
2.75 times the best rate |
|
AIDS |
Automatic Decline |
|
Alcohol Treatment History |
Declines if currently using 3 times the best rate if sober at least 2 years |
|
Alzheimer’s Disease |
Decline |
|
Aneurysm Unoperated |
Decline Operated after 9 months 4 times the best rate |
|
Anorexia Nervosa |
Decline unless stable for 1 year then 2.5 times the best rate |
|
Aortic Aneurysm |
Declined unless operated on over 9 months ago then 4 times the best rate or more |
|
Arthritis |
Osteo 2 times the best rate or better.
Rheumetoid 2.5 times the best rate unless you are disabled |
|
Artificial Valve |
Probable Decline |
|
Asthma Mild, no daily meds |
1.25 the best rate |
|
Atrial Fibrillation |
2.5 times the best rate |
|
Atrial Fibrillation |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Atrial Flutter |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Atrioventricular Block |
1st degree 1.75 times the best rate
2nd degree block with a pacemaker 2.5 times the best rate
2nd degree block without a pacemaker 2.5 times the best rate
Complete block with a pacemaker 2.5 times the best rate
3rd degree block without a pacemaker Automatic Declne |
|
Bariatric Surgery |
3times the best rate but could be higher due to current height/weight ratio |
|
Barrett’s Esophagus |
2.75 times the best rate |
|
Bell’s Palsy – Recovered |
2.75 times the best rate |
|
Bigeminy |
3 times the best rate |
|
Blindness |
if due to an injury it doesn’t effect the rate |
|
Blood Pressure |
1.25 times the best rate if controlled with medication BP averages 120/80 or better on the medication |
|
Boeck’s Sarcoid |
2.75 times the best rate |
|
Bone Marrow Failure |
if fully recovered 2.75 times the best rate |
|
Brachial Palsy |
2.75 times the best rate |
|
Bronchiectasis |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Bronchitis (chronic) |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Buerger’s Disease |
2.5 times the best rate depending on what’s in the medical records and stable and a non smoker |
|
Bundle Branch Blocks: |
Left Bundle Branch Block 2.5 the best rate
Right Bundle Branch Block 2.75 the best rate
Hemiblock 2.75 the best rate |
|
Cancer: |
Consider within fi rst year:
Most benign tumors 1.75 the best rate
Basal cell carcinoma 1.75 the best rate depending on the number removed
Melanoma insitu, seminoma 2.5 times the best rate depending on what’s in the medical records
Most malignacies postpone 2-5 years then the standard rate
Metastatic Disease decline
Leukemia, sarcoma, lymphoma decline |
|
Cardiac Failure |
Cardiomyopathy decline
Carotid Bruits 2.75 times the best rate
Chronic Decline
Pacemaker 4 time the best rate |
|
Carotid Sinus Syncope |
2.75 times the best rate |
|
Celiac Disease |
2.75 times the best rate |
|
Cerebral Embolism |
Single episode, 2 to 3 times the standard rate Multiple episodes, or with
complications decline |
|
Cerebral Palsy Mild |
2.75 times the best rate |
|
Cerebral Thrombosis single episode |
2.75 to 5 times the best rate |
|
Cerebrospinal Meningitis |
if totally recovered and no residual effects 1.5 times the best rate |
|
Cerebrovascular Accident |
Single episode without any complications 2.75 times the best rate
Charcot Marie-Tooth Disease 1.5 times the best rate
Chest Pain, Non-Cardiac 1.5 times the best rate
Cholangitis, Recovered 1.5 times the best rate
Cholecystitis, Recoverd 1.5 times the best rate
Chondrocalcinosis 1.5 times the best rate |
|
Chorea |
If huntingtons decline if syndenham’s and recovered 2.75 times the best rate |
|
Christmas Disease |
2.75 times the best rate |
|
Chronic Bronchitis |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Chronic Obstructive Pulmonary Disease (COPD) |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Cirrhosis |
Decline |
|
Claudication |
2.5 times the best rate |
|
Coarctation of Aorta |
2.5 times the best rate |
|
Coccidioidomycosis |
2.75 times the best rate |
|
Colitis – Ulcerative |
3 times the best rate |
|
Colon Polyps |
1.5 times the best rate if benign, if not decline |
|
Congestive Heart Failure |
Decline |
|
Convulsions |
2.75 times the best rate but could vary greatly |
|
Costochondritis |
1.5 times the best rate |
|
Cranial Arteritis |
1.5 times the standard rate |
|
Crohn’s Disease |
2.75 times the best rate but could vary greatly |
|
Cushing’s Sydrome |
2.75 times the best rate after 1 year of treatment |
|
Cyclical Edema |
1.5 times the best rate |
|
Cystic Fibrosis |
Decline |
|
Cystitis |
2.75 times the best rate but could be better |
|
Dementia |
Decline |
|
Depression if controlled with medication and no hospitalizations |
2 times the best rate (could be better or worse) |
|
Diabetes |
Controlled with pills and blood sugar below 120 2.75 times the best rate
Controlled with insulin 2.75 times the best rate |
|
Dialysis |
Decline |
|
Diverticulitis |
2.75 times the best rate |
|
Diverticulosis |
1.5 times the best rate |
|
Down’s Syndrome |
Decline |
|
Drug Addiction |
if drug free 3 years 3-5 times the best rate |
|
Dubin-Johnson Syndrome |
1.5 times the best rate |
|
Duodenal Ulcer |
2.75 times the best rate but could be better |
|
Eclampsia if totally recovered |
1.5 times the best rate |
|
Emphysema |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Empyema if totally recovered |
1.5 times the best rate |
|
Encephalitis |
if totally recovered after 1 year 1.5 times the best rate if not decline |
|
Endometriosis |
1.5 times the best rate |
|
Epididymitis |
if totally recovered 1.5 times the best rate |
|
Epilepsy |
4.75 times the best rate but could be better |
|
Erythema Multiforme or Nodosum |
if totally recovered 1.5 times the best rate |
|
Fibrocystic Disease - benign |
1.5 times the best rate |
|
Focal Glomerulonephritis |
2.75 times the best rate |
|
Gastric Bypass - Stapling |
3 times the best rate |
|
Gastritis |
2.5 times the best rate or better |
|
Gastroenteritis |
1.5 times the best rate |
|
Gastroplasty |
2.5-4 times the best rate |
|
Gestational Diabetes |
Declined if currently pregnant
2.5 times the best rate if recovered for less than 2 years
1.5 times the best rate if recovered for more than 2 years |
|
Gilbert’s Syndrome |
1.5 times the best rate |
|
Glaucoma |
1.5 times the best rate |
|
Glomerulonephritis |
if Chronic 2.75 times the best rate to Decline depending on what’s in the medical |
|
Gout |
1.25 times the best rate to 2 times the best rated depending on the treatment |
|
Grave’s Disease |
Recovered and no cardiac abnormalities or large increase in pulse |
|
Guillain-Barre Syndrome |
1.5 to 2.75 times the best rate |
|
Hashimoto’s Disease and no cardiac abnormalities or large increase in pulse |
2.75 times the best rate |
|
Hemochromatosis |
2.5 times the best rate to 4 times the best rate to decline |
|
Hemodialysis |
Decline |
|
Hepatic Failure |
Decline |
|
Hepatitis |
Hep A doesn’t effect rates
Hep B 2 times the best rate
Hep C Must have had the interfuron treatments 1 year ago and have a liver biopsy and/or ultrasound and normal liver function 3 times the best rate |
|
Hereditary Nephritis |
Decline |
|
Herpes |
Doesn’t effect rate |
|
Hirschsprung’s Disease |
I you don’t need an operation because it is not that severe 2.75 times the best rate
If operated on and fully recovered 1.5 times the best rate |
|
Histoplasmosis
Of lungs, skin, superfi cial
structures after 6 months x x
Disseminated, 1 year after
treatment and recovery |
If superficial structures, skin, lungs after about a year 2-2.75 times the best rate
If disseminated and a full year after treatment and recover 2 times the best rate |
|
Huntington’s Chorea |
Decline |
|
Hydrocephalus |
Infancy and childhood Decline
Adult 2.5-5 times the best rate |
|
Hyperlipidemia |
1.75 – 4 times the best rate |
|
Hyperparathyroidism |
2.75 - 4 times the best rate |
|
Hypertension |
1.25 times the best rate if controlled with medication BP averages 120/80 or better on the medication |
|
Hyperthyroidism
Mild to moderate increase
in pulse x
With cardiac abnormalities |
1.75 times the best rate if no cardiac abnormalities and mild increase in pulse |
|
Hypertrophic Obstructive
Cardiomyopathy - HOCM |
Must be over age 40 then 3-4 times the best rate |
|
Hypogammaglobulinemia |
2.75-5 times the best rate |
|
Hypoglycemia if functional |
1.5 times the best rate |
|
Hypoparathyroidism |
If completely recovered 1.25 times the best rate |
|
Hypotension |
If no known cause decline |
|
Hypothyroidism |
1.25 - 2.75 times the best rate depending on treatment and severity |
|
Hysterectomy |
If not due to a malignancy 1.25 to 2 times the best rate |
|
Idiopathic Hypertrophic Sub-aortic Stenosis - IHSS |
Must be over age 40 then 3-4 times the best rate |
|
Ileitis |
2.5-5 times the best rate |
|
Intermittent Claudication |
3-5 times the best rate |
|
Intestinal Bypass |
2.5-5 times the best rate |
|
Iritis |
2.5-3 times the best rate |
|
Irritable Bowel Syndrome |
1.25 times the best rate |
|
Juvenile Rheumatoid
Arthritis |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Kimmelsteil Wilson Disease |
Decline |
|
Kyphosis |
1.25 – 2 times the best rate |
|
Labyrinthitis |
1.25 – 2 times the best rate if totally recovered |
|
Left Anterior Hemiblock - LAH |
1.25 – 2 times the best rate |
|
Left Bundle Branch Block - LBBB |
3.75 5 times the best rate |
|
Left Posterior Hemiblock |
2.75-5 times the best rate |
|
Legionnaire’s Disease |
If totally recovered 1.25 – 2 times the best rate |
|
Leukemia |
Decline |
|
Lipoid Nephrosis |
If totally Recovered and stable for 2 years 3-5 Recovered and stable 2 years |
|
Lupus Discoid |
If no complications 2.5-3 Recovered and stable 2 years |
|
Lupus Erythematosus |
2.5-5 times the best rate if no complications for at least 2 years |
|
Lupus Nephritis |
Decline |
|
Manic-Depressive Disorders
Stable 1 year |
|
|
Marfan’s Syndrome |
Mild, no complications |
|
Marijuana |
2 times the best rate to Decline depending on what’s in the medical records |
|
Megacolon |
Not very severe and no operation needed 2.5 times the best rate
Operated on and totally recovered 1.25-2 times the best rate |
|
Meniere’s Disease |
Totally recovered 1.25 - 2 times the best rate |
|
Meningitis |
Totally recovered and no residual effects 1.25 – 2 times the best rate |
|
Mental Retardation Mild x
Moderate x x
Severe |
Mild 2.5 times the best rate
Moderate 2.75-4 times the best rate
Severe Decline |
|
Migraine |
Totally recovered is shouldn’t effect the rate |
|
Mitral Valve Prolapse |
It usually only matters if complicated the 2.5-5 times the best rate |
|
Mononucleosis |
Totally recovered is shouldn’t effect the rate |
|
Morphea |
If mild then 2.5-4 times the best rate |
|
Multiple Sclerosis (MS) |
Stable for at least 1 year and very few episodes 2.5-5 times the best rate |
|
Muscular Dystrophy |
2.5-5 times the best rate if localized |
|
Myasthenia Gravis |
Mild and stable for 9 months 2.5-3 times the best rate
Anything worse is a decline |
|
Myocardial Infarction – Heart attack |
Must be over 40 when it happened and in stable condition with no complications then 3-5 times the best rate |
|
Myocarditis |
2.5-3 times the best rate |
|
Myositis |
2.5-3 times the best rate |
|
Narcolepsy |
2.5-3 times the best rate |
|
Necrotizing Angitis |
2.5-5 times the best rate if stable and in remission at least one year and no complications. If not a very good case will be a decline |
|
Nephrectomy |
1.25-2 times the best rate if benign |
|
Nephritis |
1.25-2 times the best rate if acute and totally recovered
2.5-5 times the best rate if chronic (must have good renal function) |
|
Neuritis |
2.5-3 times the best rate |
|
Optic Neuritis |
2.5-5 times the best rate |
|
Organic Brain Syndrome |
Decline |
|
Orthostatic Hypotension |
1.25 -2 times the best rate |
|
Osteitis Deformans |
Mild 1.25-2 times the best rate
Decline if progressive or more severe |
|
Osteomyelitis |
2.5-3 times the best rate |
|
Osteoporosis |
1.5 3 times the best rate |
|
Otitis Media |
0-2 times the best rate |
|
Otosclerosis |
0-2 times the best rate |
|
Pacemaker |
2.5-3 times the best rate if implanted at least 3 months ago |
|
Palpitations |
1.5 – 3 times the best rate |
|
Pancreatitis |
Chronic is declined
Acute recovered over 2 years is 1.25-2 times the best rate |
|
Paraplegia |
3-5 times the best rate if under the age of 60. Possible but difficult over the age of 60 |
|
Parkinson’s Disease |
2.5-3 times the best rate if not progressive
3-5 times the best rate if progressive |
|
Patent Ductus Arteriosus |
1.25-2 times the best rate if operated on and totally recovered |
|
Pericarditis |
2.5-3 times the best rate for most cases unless it was a simple episode and totally recovered. Than maybe better |
|
Peripheral Vascular Disease
Smoker |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Peritoneal Dialysis |
Decline |
|
Peyronie’s Disease |
1.25-2 times the best rate |
|
Pneumoconiosis |
2.5-3 for the most mild cases with no present exposure…if not decline |
|
Poliomyelitis, |
1.25-2 times the best rate in no residuals
2.5-3 times the best rate if mild residuals
3-5 times the best rate to decline for severe residuals |
|
Polyarteritis Nodosa |
1.5-3 times the best rate if stable and in remission for at least one year |
|
Polycystic Disease, Kidney |
Must be over 40 and have normal renal function then 3-5 times the best rate |
|
Polycythemia |
3-5 times the best rate if well controlled |
|
Polyps, Intestinal |
1.25-2 times the best rate if benign |
|
Portal Hypertension |
Decline |
|
Pregnancy |
It doesn’t effect the rate unless you are having complications (get the insurance early on if you are worried you might have complications) |
|
Premature Atrial Contractions
(PACs)
Few x x
Many |
It depends on how many you have.
1.75-3 times the best rate if just a few
3-5 times the best rate if a lot |
|
Primary Biliary Cirrhosis |
Decline |
|
Prinzmetal Angina |
2.5-3 times the best rate |
|
Prostatitis |
1.25-2 times the best rate if treated and totally recovered |
|
Proteinuria |
1.5-3 times the best rate if a very small amount
2.5-5 if a moderate amount |
|
Psoriasis |
1.25-2 times the best rate if not symptomatic, 2.5-3 times the best rate if symptomatic |
|
Psychomotor Epilepsy |
2.5-3 times the best rate |
|
Pulmonary Hypertension |
Decline |
|
Pulmonary Infarction |
1.25-2 times the best rate if fully recovered |
|
Pyelonephritis |
1.25-2 times the best rate if fully recovered (postpone 1 year) |
|
Quadriplegia |
Decline if complete. Possible 5 times the best rate if incomplete |
|
Raynaud’s |
Decline if the disease
1.25-2 times the best rate if just the phenomenon |
|
Regional Ileitis – Enteritis |
2.5-5 times the best rate |
|
Reiter’s Sydrome |
1.25-2 times the best rate |
|
Renal Artery Stenosis |
3-5 times the best rate |
|
Renal Failure |
Decline |
|
Renal Transplant |
3-5 times the best rate if from a living donor (and everything has been fine for 4 years). All other cases decline. |
|
Right Bundle Branch Block |
2.5-3 times the best rate. Maybe better if uncomplicated |
|
Sarcoidosis |
2.5-3 times the best rate if arrested and just the lungs and skin otherwise a decline |
|
Sciatica |
1.25-2 times the best rate |
|
Scleroderma
Localized, mild, active or inactive x
Generalized |
2.5-3 times the best rate if localized and mild (decline if generalized) |
|
Sclerosing Cholangitis |
|
|
Scoliosis |
If mild to moderate 0-2 times the best rate
If severe 2.75 times the best rate to Decline depending on what’s in the medical records |
|
Seminoma |
2.5-5 times the best rate if less than 10 years
More than 10 years should be better |
|
Senile Dementia |
Decline |
|
Sick Sinus Syndrome |
2.5-5-decline |
|
Sickle Cell Anemia x
Trait |
Decline if you have the disease. Just having the trait doesn’t effect the rates |
|
Sjogren’s Syndrome |
3-5 times the best rate |
|
Sleep Apnea |
1.75-3 times the best rate if successfully treated (using the cpap machine or successful surgery) |
|
Spina Bifi da
With minimal deformity x
Others |
2.5-3 times the best rate if only minor deformity. Otherwise decline |
|
Stress Test Positive |
2.75 times the best rate to Decline depending on what’s in the medical records |
|
Stroke |
2-5 times the best rate in the best cases only |
|
Suicide Attempts |
One attempt only and after 1 year then 2.5-5 times the best rate. |
|
Systemic Lupus
Erythematosus |
3-5 times the best rate if no complications |
|
Tachycardia |
1.5-3 times the best rate |
|
Tetralogy of Fallot |
235-5 times the best rate if surgically corrected |
|
Thyroiditis |
2.5-3 times the best rate if a mild increase in pulse and no cardiac abnormalities |
|
Transient Ischemic Attack |
2.5-5 times the best rate |
|
Transplant Recipients |
decline |
|
Trisomy |
decline |
|
Ulcerative Colitis |
2.5-5 times the best rate |
|
Ulcers, Stomach |
1.5-3 times the best rate |
|
Urticaria |
1.25-2 times the best rate |
|
Varicies, Esophagus |
decline |
|
Vasovagal Reaction (cause
unknown, adequate investigation) |
|
|
Ventricular Septal Defect |
Doesn’t effect the rate if you had surgery and no residual effects and no complications
2.5-5 times the best rate if it is small and everything is normal |
|
Von Willebrand’s Disease |
2.5-5 times the best rate |
|
Wolff-Parkinson-White
Pattern (WPW) |
1.25-3 times the best rate |
