Some of our clients qualify for GTL Graded Benefit, if they can answer “NO” to the following medical questions:
Underwriting
Accept/Reject Underwriting: There are six (6) Yes/No Questions and Any that are answered “YES” would disqualify an applicant.
1. Within the last twenty four (24) months, have you been receiving kidney dialysis, require daily oxygen use (excluding CPAP), have an implanted defibrillator or received or been advised by a medical professional to get an organ transplant?
2. Have you ever been diagnosed with or treated by a medica! professional for Alzheimer’s disease or dementia or are currently being treated for memory loss?
3. With in the last twenty four months, have you been diagnosed as having, or been prescribed
medication by a medical professional or been treated by a medica I professional for cancer (excluding
Stage A Prostate Cancer, Carcinoma in Situ, Squamous Cell or Basal Cell Carcinoma)?
4. Have you ever had or been recommended to have an amputation due to complications from diabetes?
5. Are you currently bedridden, confined toa hospital, nursing home, mental care facility, long term
care facility, hospice or have you been diagnosed with an end-stage or terminal illness, or been
told by a medica I professional that you have less than 12 months to live?
6. Have you been diagnosed by a medical professional as having the Human Immunodeficiency Virus
(HIV), ARC or AIDS?
If you were sent this page to pre-qualify and the insured can answer all 6 questions with “NO”, then you may proceed to APPLICATION to get coverage. We will contact you to confirm the rates available.
