This checklist will help to determine whether or not you are eligible for coverage.  

Any one of the following conditions or illnesses may render you ineligible for coverage.

Please E-mail your request about any other illness and we will refer it to the underwriters for consideration.

• AIDS (HIV positive or related disease)
• Alcohol Abuse (within the past 2 years)
• Angina 
• Angioplasty
• Cancer * 
• Chronic Hepatitis 
• Chronic Kidney Disease
• Coronary Artery Bypass Surgery 
• Cystic Fibrosis 
• Drug Abuse (within the past 3 years)

• Heart Attack
• Insulin Dependent Diabetes 
• Kidney Failure 
• Major Organ Transplant 
• Multiple Sclerosis 
• Permanent Paralysis 
• Sickle Cell Disease 
• Stroke 
• Systemic Lupus Erythematosus 
• Transient Ischemic Attack 
• Valvular Heart Surgery

Note: There are many other medical histories that may make you ineligible also.  This is a short checklist of commonly seen ailments that would result in an application for critical illness insurance being declined.

Please contact a agent to find out if you are eligible for Critical Illness Insurance.