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We represent several final expense companies. Following are examples of a typical application's questions.
Request an Application Now.
| HEALTH QUESTIONS - PART 1
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| 1.
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Is the Proposed Insured currently hospitalized, confined to a nursing home, wheelchair dependent, or receiving home health care?
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| 2.
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Has the Proposed Insured ever tested positive for human immunodeficiency virus, or been diagnosed by or received treatment from a member of the medical profession for Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?
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| 3.
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Within the past 12 months has the Proposed Insured been diagnosed with or received treatment for cancer (other than basal cell carcinoma)?
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a) Within the past 12 months has the Proposed Insured been diagnosed with or received or advised
to receive new treatment or new medication for a stroke or heart attack.
b) Within the past 12 months has the Proposed Insured been diagnosed with or received treatment
for congestive heart failure, Alzheimer's disease, dementia, kidney dialysis, or used home
oxygen?
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If under age 21, has the Proposed Insured been diagnosed with or received treatment for diabetes, sickle cell anemia, Downs syndrome, cerebral palsy, muscular dystrophy, spina bifida, cystic fibrosis, or unoperated heart defects?
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If YES is answered to any of Questions 1-5, then application may not be submitted for coverage.
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| HEALTH QUESTIONS - PART 2
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| 6.
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During the past 24 months has the Proposed Insured received treatment for alcohol or drug use, or is the Proposed Insured currently using illegal drugs?
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During the past 24 months has the Proposed Insured been diagnosed with or received new treatment or new medication for a heart attack, or any type of heart disease or impairment, congestive heart failure, angina, stroke, transient ischemic attack (TIA), or seizures?
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| 8.
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During the past 24 months has the Proposed Insured been diagnosed with or received treatment for cancer (other than basal cell carcinoma), emphysema (COPA), liver disease, kidney disease, Parkinson's disease, or complications from diabetes including diabetic neuropathy, retinopathy, nephropathy, diabetic coma, insulin shock or uncontrolled blood sugar levels or been diagnosed with diabetes under age 40?
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If YES is answered to one or more of Questions 6-8, then Standard Plan may be issued.
If ALL Questions 1-8 are answered NO, then Preferred Plan may be issued.
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Licensed for final expense insurance in:
California License #0C94325, Ohio License #104233, Florida License #D07271
Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin
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