7-ug-ca, future select plus underwriting guide, california, (r-4/2006)

To approve as many applications as possible while protecting the risk pool of the business. Underwriting philosophyUnderwriting focuses on three main elements in the process of evaluating risk: • Health status: What are the health impairments? • Functionality: How well does the client get around, how active is she/he? • Cognition: Is there evidence of memory problems? An important aspect of underwriting is to recognize the impact of social support, social activities, and exercise tolerance on LTCi risk.
Underwriting strategies are directed at ascertaining the degree of severity, control and stability of medical conditions and the impact of those conditions to the individual’s health status, functionality, and cognitive abilities.
Information hotline: 800.950.7372 (press 2 for New Business, then 2 for LTCi)When to use the information hotline: • Prequalifying a client relative to health status and/or functionality.
• Clarification of this underwriting guide with respect to individual client’s health.
5:00 a.m. – 4:00 p.m. Pacific time (Monday – Thursday)5:00 a.m. – 3:00 p.m. Pacific time (Friday) Underwriting guidelines are subject to change. Please see the Web site at www.allianzlife.com for the most current version of the Underwriting Guide.
Long term care insurance from Allianz offers three premium rate classes. Each rate class is separated by a premium difference of 25%. From our most attractive rate to our highest premium rate, the maximumpremium difference is 50%. To avoid difficulties of placing a policy with a higher premium than was originallyquoted, pay special attention when quoting the rate class. Should your client qualify for a better rate thanquoted, the appropriate (better risk) class will be issued.
Preferred Plus – P+ (very healthy, nonsmoking applicants)• Nonsmoker for the last 12 months (other tobacco use acceptable) Weight is within Preferred Plus/Preferred range on height/weight chart Consultation with a physician within the last 12 months No history of treatment for serious health conditions (such as heart or circulatory disorder, diabetes orrheumatoid arthritis) Applicant may be receiving regular treatment of a preventative nature only, for example:• Medications such as thyroid replacement, hormonal supplements, digestive aids, mild sedatives, or analgesics and anti-inflammatory medications acceptable • High blood pressure that is kept in normal range (140/90) with medication is acceptable, but cannot be in Preferred – P (healthy smokers or nonsmokers with weight problems or significant but stable health history). One or more of the following apply:• Weight is within Preferred Plus/Preferred range on the height/weight chart Medical history of cardiac or circulatory disorder, diabetes, rheumatoid arthritis, or cancer with excellent prognosis Under regular treatment with prescription medications listed on the prescription drug guide for conditions noteligible for Preferred Plus rates Standard – S (for applicants with significant health problems due to health history,weight problems, smoking status or a combination of these factors)• Under treatment for a serious health condition which requires close medical supervision (such as ulcerative colitisor emphysema) History of a combination of serious conditions (such as heart and lung disease, or rheumatoid arthritis withcoronary artery disease) Medical history does not fall within the parameters of the individual impairment as listed.
Specifics on the application and medical history are evaluated by the udnerwriter based on the effect on risk ofthe product.
Cases approved after individual consideration are typically counter-offers used to offer some coverage whileprotecting the risk to the company.
Previously declined casesWe encourage you to call the information hotline at 800.950.7372 to discuss previously declined cases or any case that involves complex medical histories.
The underwriting requirement chart below indicates the requirements needed based on age andbenefits. The Home Office will always take care of ordering all requirements. However, you may orderrequirements directly from the approved vendors with prior authorization from the Home Office. PHIs are all done by the Home Office.
NOTE: Any applicant age 65 through 71, who has not been seen by a physician within the last two years will not be considered for coverage until they have completed a physical at their own expense or completeda face-to-face assessment along with a complete blood profile (BLDPF) and a Home Office urine specimen(HOS). Any applicant age 72 through 84, who has not been seen by a physician within the last two yearswill not be considered for coverage until they have completed a physical at their own expense. The extentof the exam is minimally a “screening physical exam” although the physician may have other requirementsfor someone not current on health maintenance. Allianz does not have a form for this purpose; documentationof clinical information is the responsibility of the physician. Additional requirements may be ordered at the underwriter’s discretion, based on individual health history.
Telephone interviews will be ordered on all applicants age 69 and under. Medical questions such asheight, weight, or blood pressure would be examples of questions asked during telephone interviewssince medical records are not ordered on every applicant. Specific questions related to activities of dailyliving (ADLs) such as “Does the applicant have difficulty dressing?”, will be asked on every interview.
The interview may also include some cognitive tests.
Face-to-Face Assessments will be ordered on all applicants age 70 and older. On joint applications whereone applicant is age 70 or older and the second applicant is younger, the assessment will be done onboth applicants. The interview will include a memory test.
The Home Office will order medical records on each applicant. Primary care physician records are the most commonly required ones; occasionally specialist records are necessary for clinical detail on aparticular condition.
When applicants are approved for coverage, a policy will be issued with an effective date that mayrange from 60 days prior to the application date (backdating to save age) to 30 days after theunderwriting approval date (dating to match the renewal date of the policy being replaced). Backdatingand post-dating must be requested on the application and will be accommodated if there are noreservations regarding the applicant’s health status.
When at least two months’ premium is paid with the application and the policy is approved as applied for, theapplication date becomes the policy effective date. If the policy is issued other than as applied for, or if lessthan two months’ premium is submitted, the policy receives a current date. However, current dating will notbe required if it would change the issue age.
Eligible issue ages for FutureSelect PlusSM are 18-84, based on age at last birthday.
Use the build chart to help determine the proper rating class based on build.
Review the prescription drug guide. Certain medications indicate that your client has an uninsurable condition.
This guide will assist you in determining your client’s impairments.
Review the impairment guide to determine your client’s risk class and insurability. If your client qualifies for a better risk class than applied for, we will issue the better risk class. – Does the applicant function independently? How does she/he get around? – Can the applicant perform, without assistance, the activities of daily living (ADLs)? – Does the applicant have any difficulty with the instrumental activities of daily living (IADLs)? Any inability to perform ADLs or IADLs may indicate a functional or cognitive limitation, which is not acceptable. • ADLs include bathing, eating, dressing, toileting, continence, and transferring. • IADLs include housekeeping, laundry, shopping, cooking and meal preparation, handling personal finances, and – Is the applicant currently receiving disability or worker’s compensation payments? This may indicate a current or recent history that typically excludes the applicant from insurability at the present time. An inability to perform ADLs or IADLs may indicate a functional or cognitive limitation, which is not an acceptable risk.
What to expect when the underwriting decision is other–than–applied–for: 1) The underwriter will put a note on the Web site when the decision has been made.
2) The underwriter will include a clinical reason for a decision other-than-applied-for, when possible, within the 3) The underwriter will send a letter to the applicant with the decision other-than-applied-for, with a copy to the agent. The wording of this letter must also comply with data privacy regulations. We cannot, by law, release any informationthat the applicant did not disclose to us.
4) The underwriter will place a phone call to the agent with the decisions other-than-applied-for; a message will be left, if voicemail is available; a message will include the name, telephone number, and extension of the underwriter.
5) After receiving and reviewing the underwriting information, and referencing the guidelines printed in this document, the agent may call the underwriter for information to clarify the decision, if the wording of the above-mentionedcommunication is not clear.
6) The underwriter will reference the information that was disclosed by the applicant together with the underwriting guides on which the decision was made.
7) The underwriter will tell the agent if this is a permanent decision, or when a re-application would be appropriate. (Note: reapplication is subject to full underwriting, and premium will be based on attained age) (Note: a permanent decision stops any further underwriting processing at this point) 8) For the most positive outcome of ongoing discussions about the decision, it is recommended that the agent discuss the letter with the client. In many cases the client is aware of the clinical information in the medical records.
9) The client is encouraged to speak to his/her physician about health conditions that are unknown to the client, or about dates of clinic visits mentioned in the letter without an associated health condition. 10) The underwriter can submit a letter to the physician within 21 days, citing the clinical reason for the decision; in order to do that, we must receive a written request from the client to do so (see #12 and #13 below).
11) If the physician has additional information that is substantially different from what is in the medical records, that information may be submitted in writing to Allianz Life Insurance Company of North America within 30 days from the date on the letter of risk class change or declination. 12) Be sure to include the application number on all correspondence.
13) The fax number to receive such communication is 763.582.6002.
14) The underwriter will consider the additional information relative to the extent of risk, and will send written response reporting the outcome of that additional information within 21 days.
15) Remember that insurance medicine differs from clinical medicine in the implications of particular health conditions. The element of risk to the insurance company may not present exactly the same concern in the clinical setting.
16) If the review of additional information results in a change in coverage, the new business department will issue new Conditions listed below are uninsurable. An application should not be submitted if an applicant has any of the following conditions: AIDS, acquired immune deficiency syndrome Alzheimer’s disease, memory loss, dementia Ambulation difficulty (i.e. unsteadiness, instability, shuffling gait, use of assistive devices) Amyotrophic lateral sclerosis (ALS, Lou Gehrig’s disease), progressive neurological disease Aplastic anemia, bone marrow failure syndrome Arteriosclerosis obliterans, plaque formation of vessels to the extent of closure of blood vessels Ataxia, lack of muscle coordination, due to a disorder in the brain AV malformation, cerebral; congenital malformation of arteries and veins in the brain Avascular necrosis, current; collapse of bones or joints due to loss of blood supply Brain impairments, disorders not identified elsewhere in this guide, most commonly damage as a result of trauma Buerger’s disease; inflammation of the blood vessels, with subsequent clotting disorder Cardiomyopathy, disease of heart muscle – see impairment guide Catheter use, urinary; a tube passed into the urinary bladder to allow the withdrawal of urine CCRC living, current; Continuous Care Retirement Community Cerebral palsy, congenital neurologic disorder – see impairment guide Charcot-Marie-Tooth disease, disorder of nerves of feet, legs, hands Cirrhosis of the liver, gradual destruction of the ability of the liver to function Claudication, pain in legs associated with poor circulation Collagen disease, an autoimmune rheumatic disorder affecting tendons, bones, and tissues Creutzfeld-Jakob syndrome, a disease of the nervous system that causes dementia CREST syndrome, slowly progressive systemic sclerosis Cystic fibrosis, congenital disease of the lungs Dementia, memory impairment or loss, all types of cognitive deficits Dermatomyositis, chronic weakness and inflammation of muscles Dialysis, kidney/renal, the process of mechanically removing metabolic wastes from the blood Disabled, and/or collecting disability or workers compensation benefits Esophageal varices, chronic obstruction of blood flow of the esophagus related to liver function Falls (multiple, or with dizziness, syncope, cerebrovascular or neurological disorders, or gait disturbance) Hemiplegia, paralysis of one side of the body Hepatitis, chronic, active; inflammation of the liver HIV positive; a blood test has indicated infection from the AIDS virus Home care services, current or within the past 12 months Hydrocephalus, abnormal accumulation of fluid in the brain Huntington’s chorea, inherited disease of the nervous system Intestinal angina, abdominal pain caused by narrowed blood vessels to the intestines Kidney transplant, surgical implantation of donor kidney to replace one removed from a person Lambert-Eaton myasthenia syndrome, a neurological disorder that causes weakened muscles Lupus, systemic lupus erythematous (SLE), chronic inflammation caused by autoimmune disease Multiple myeloma, cancer of white blood cells Multiple sclerosis, inflammatory disease of central nervous system (brain and spinal cord) Muscular dystrophy, congenital disease with progressive weakness and degeneration of muscle Myasthenia gravis, neurological disorder with progressive muscle weakness Myelodysplasia, myelodysplastic syndrome, bone marrow dysfunction Nephrosclerosis, hardening of kidney tissue Nephrotic syndrome, progressive kidney damage with kidney failure Nursing home confinement, current or recent Obesity (as defined in build chart) – frequently a co-morbid with other conditions such as diabetes, high blood Organ transplant (except cornea – see impairment guide) Organic brain syndrome (OBS), chronic disease or injury that interferes with brain function Osteomyelitis, current; infection involving bone tissue Osteoporosis with compression fractures, falls; osteoporosis involves loss of bone mass Parkinson’s disease, chronic progressive neurologic disease with progressive muscle weakness Peripheral vascular disease, disease of the blood vessels outside of the heart and brain – see impairment guide Pick’s disease, dementia that begins at a young age Polycystic kidney disease, genetic disorder causing numerous cysts in kidneys leading to reduced kidney Polycythemia vera, p. vera, excess of red blood cells involving bone marrow elements Psychosis, mental illness in which the person loses touch with reality Pulmonary hypertension, high blood pressure in the arteries that supply the lungs Quadriplegia – paralysis, all four limbs Renal failure, renal insufficiency, kidney insufficiency or failure, gradual progressive loss of kidney function Retinitis pigmentosa, gradual disintegration of eye function and progressive loss of vision Retinopathy, diabetic – disturbance of vision secondary to the effects of diabetes Schizophrenia, chronic, often debilitating mental illness Scleroderma, progressive hardening and tightening of skin and connective tissues Sclerosing cholangitis, narrowing and hardening of bile ducts resulting in liver damage Shunt (heart, brain, kidney), an artificial passage to divert fluids within the body – see impairment guide Shy-Drager syndrome, progressive disorder of nervous system Thromboangiitis obliterans (Buerger’s disease), inflammation of blood vessels with clotting Transplant (except cornea – see impairment guide) Waldenstrom’s disease or syndrome, bone marrow and blood disease Major surgeries, as a general rule, must wait six months before the individual can be considered for this product except for those conditions specified otherwise in the impairment section of this guide.
Drugs prescribed for uninsurable conditions If the applicant is taking one of these drugs for the reason stated, he/she is not eligible for coverage. This listis a reference guide for prequalifying cases; it is not intended to be an exhaustive, all-inclusive list. Drugs prescribed for uninsurable conditions If the applicant is taking one of these drugs for the reason stated, he/she is not eligible for coverage. This listis a reference guide for prequalifying cases; it is not intended to be an exhaustive, all-inclusive list. Drugs prescribed for uninsurable conditions If the applicant is taking one of these drugs for the reason stated, he/she is not eligible for coverage. This listis a reference guide for prequalifying cases; it is not intended to be an exhaustive, all-inclusive list. Impairment guideThe following is a list of medical conditions intended to give you a general idea of whether your client is insurable, and if so, whetherthey qualify as Preferred Plus, Preferred, or Standard risk. In general, we will decline coverage if surgery or physical therapy hasrecently been completed or is pending. The waiting period for the specific condition needs to be met in order for coverage to beconsidered. Call the information hotline at 800.950.7372 if you have any questions regarding your client’s insurability.
abdominal, 1 year after surgery with good recovery .PREF brain or abdominal present or surgery within Controlled on medications, no complications, after 24 months’ With any other clinical conditions, any hospitalizations, after performing the activities of daily living.DEC with stent, after 6 months, with good results.PREFwith history of myocardial infarction .PREF/STD with poor exercise tolerance or smoke .DEC Anxiety Disordermild (occasional medication) .PREF+ moderate (regular or multiple medications) .PREF/STD severe and/or with functional impairments.DEC recovered more than 5 years, in good health .PREF recovered more than 3 years, in good health .STDwithin 3 years or with relapses .DEC Arthritis (Degenerative or Osteoarthritis) one episode, after 2 years with a complete severe but without physical limitations.STD neurological work-up that is within normal limits .STD with physical limitations or surgery anticipated.DEC mild, controlled with non-steriod medications .PREF medications .STD/DECwith physical limitations or surgery anticipated.DEC Anemiamild.PREF+moderate. PREFsevere or with complications or defined as Aplastic .DEC moderate, controlled with medications (no steroids).PREF severe, required multiple medications or steroids.STD/DEC in combination with circulatory disease .DECsmoker .DEC Bronchiectasisasymptomatic, nonsmoker, minimum 3 years since Ataxia .DEC diagnosis with no periods of disability .STD, No HHC Atrial Fibrillationhistory of, not on medication, 6 months since last episode .PREF currently on medication, 6 months since last episode .STD/DEC Buerger’s Disease (Thromboangiitis Obliterans).DEC herniated disc (unoperated) or compression fracture .PREF/STD with history of myocardial infarction .PREF/STD with poor exercise tolerance post surgery .DECsmoker .DEC Barrett’s Esophagusbiopsy done within the last two yearswith favorable results .PREF/STD early stage, 1 year since last treatment.PREF+/PREF moderate stage, after 1 year since last treatment.STD with metastasis or less than 1 year since last treatment, or recurrent cancers.DEC Cancer (Lymphoma or Lung) (90-day elimination period) Bipolar Disorder, manic depression.STD after 10 years since recovery with no recurrences.STD stable 4 years, well controlled on medication; a single hospitalization > 10 yrs ago acceptable, fully independent, no cognitive limitations history of infection, complete recovery .PREF+chronic infections, without incontinence.PREF/STD mild, asymptomatic or corrected byenarterectomy, no history of TIA or stroke .PREF other heart or circulatory disorder .STD/DECsevere; symptomatic or smoker.DEC Blood Pressure, Elevated (Check list for cardiac medications)mild and no other cardiac condition.PREF+ in combination with other cardiac condition.PREF/STD Brain Impairments .DEC Catheter (Current use; indwelling).DEC after 5 years following removal, benign, no residuals .STDall others.DEC after 5 years , no neurological residuals.STD (due to Pituitary, Adrenal or Ectopic Tumors) corrected by surgery, no complications or secondary disorders such as high blood pressure,osteoporosis or diabetes .STD Cholecystitis, Cholelithiasis (Gallbladder) after surgery.PREF+surgery anticipated .DEC Chronic Obstructive Pulmonary Disease (COPD) Diabetes Mellitus, Non-Insulin Dependent (diet or oral medications) fair control, overweight, or ex-smoker .STD poor control or with other serious health conditions, Disabled – Collecting Disability Benefits.DEC 2 years after surgery, no complications.STDwith complication .DEC Discoid Lupusdefinite diagnosis, limited to skin with no controlled with medications for 1 year .IC mild, well controlled by diet or medication .PREF+ history of, occasional medication .PREF+chronic and/or bleeding.PREF/STD severe or with oxygen use .DECwith smoking in the last year .DEC Endarterectomy (without stroke)after 6 months, no other circulatory disorder.PREF with other circulatory disorder or cardiac controlled by thyroid replacement therapy .PREF+ fully recovered, 1 episode, no residuals; rate will depend on severity of related heart disorder .PREF/STD functional, no medication required.PREF+well controlled with medication .PREF good control on medication.PREFseizure within 2 years .STD/DEC seizure within 1 year, poor control or cause unknown .DEC stable and fully functional .PREFwith history of bypass surgery .PREF/STD Epstein-Barr Syndrome (confirmed diagnosis of infectious 6 months after full recovery .PREF+/PREF/STDcurrent or less than 6 months after full recovery .DEC Heart Valve Replacementgood recovery 1 year post surgery.PREF Esophageal Varices .DEC with other cardiac disorder.STD/DECEsophagitis.PREF+/PREF surgery scheduled or anticipated .DEC due to dizziness, gait disturbance or TIA.DEC Fibromyalgiamild, not affecting functional ability .PREF hepatitis A, 6 months after full recovery .PREF+ severe, with functional limitations; use hepatitis B, 1 year after full recovery, normal liver enzymes.PREFhepatitis C, any history.DEC Fuch’s Corneal Dystrophy .DEC described as chronic active or due to alcohol.DECGallbladder (Cholecystitis, Cholelithiasis) Gastroesophageal Reflux Disease (GERD).PREF+ post surgery with good recovery .PREF+ Gilbert’s Disease (confirmed diagnosis).PREF+ surgery scheduled or needed.DEC mild to moderate visual impairment .PREF+/PREFsevere impairment affecting ADLs.DEC Hip Replacementone hip or both hips, after 6 months, fully ambulatory, mild or no arthritis in other joints.PREF+ post surgery or post radioactive iodine treatment moderate arthritis in other joints .PREFrecovered after 6 months, with severe arthritis Gout .PREF+ in other joints but without physical limitations.STD surgery scheduled or needed or physical limitations .DEC Guillian-Barre Syndromeunder 65 years old, 2 years past full recovery with no residuals .PREFwith residuals .STD/DEC Hodgkin’s Lymphoma (90-day elimination period) after 10 years since recovery with no recurrence .STD diagnosed at age 65 or over, or with relapses .DEC less than 10 years since full recovery .DEC 5 years after transplant, no episodes of rejection, no complications.STD, No HHC Knee Replacementone or both knees, after 6 months, fully ambulatory, mild or no arthritis in other joints .PREF+ minimally elevated calcium levels, stable, closely monitored, no related disorders such as high blood pressure, impaired renal recovered after 6 months, with severe arthritis in other joints but without physical limitations .STD surgery scheduled or needed or physical limitations .DEC controlled with medication, with readings in normal range .PREF+in combination with cardiac condition.PREF controlled by medication.PREF+/PREFnot controlled.DEC Hyperthyroidismcontrolled by medication.PREF+/PREF after 2 years, no neurological residuals.STDwithin 2 years.DEC Lambert-Eaton Syndrome (Myasthenia Syndrome).DEC Leukemia (90-day elimination period)after 10 years since recovery with no recurrences.STD less than 10 years since full recovery .DEC two years after surgery, no complications .STD after 10 years since recovery with no recurrences.STD less than 2 years after surgery or with complications.DEC less than 10 years since full recovery or a current smoker.DEC definite diagnosis, limited to skin with mild (occasional medication) .PREF+moderate (regular medications) .PREF stage 1, early, localized infection, 3 months after full recovery .PREF+ current or less than 3 months after full recovery, surgery corrected, no malignancy.PREF+/PREF within 2 years; resulting in colostomy.STD all others (stage 2 and 3) 3 months after full recovery rate and residual symptoms.STD/DEC ITP (Idiopathic Thrombocytopenic Purpura) .DEC after 10 years since full recovery with no recurrence.STDless than 10 years since full recovery .DEC progressive or with moderate to severe visual impairment.DEC Neuropathystable 3 years, mild numbness of fingers or feet, fully functional, early stage or moderate stage after 5 years.PREF+/PREF stable 1 year, mild numbness of fingers or feet, fully functional, 2 years stability when due to peripheral nerve entrapment or injury, minimal or no residual functional impairment, no surgery recommended or planned .STD major symptoms, or use of narcotics, or with impaired function, or Any peripheral neuropathy demonstrating a progressive clinical course single extremity neuropathy stable 2 years, or others.IC, usually DEC asymptomatic, no other cardiac condition.PREF+symptomatic, or with other cardiac condition.PREF/STD Osteomyelitissingle bone and single attack, recovered after 6 months .PREF Osteoporosismild, no fractures (bone density tests will help acute, full recovery, not related to any other Myocardial Infarction (after 6 months)stable and fully functional .PREF with bypass surgery, or angioplasty.PREF/STD normal cardiac output, no other heart disorder.PREF Paget’s Disorderpelvis only, not crippling.PREF/STD single episode, complete recovery after 1 year.PREF multiple.DECepisodes related to alcohol.DEC (after 3 years, rate will depend on the status of the condition forwhich it was prescribed) Pericarditisacute, full recovery, no other cardiac edema but fully ambulatory.PREF/STDrequiring aid to ambulate .DEC 2 years after last seizure, good control on medication .PREFseizure within 2 years .STD/DEC seizure within last year, poor control or cause unknown .DEC controlled with medications .PREF/STDnot controlled or with functional limitations .DEC Skin Cancer (not Melanoma)external, basal or squamous cell cancer .PREF+ mild or currently using CPAP .PREFwith cardiac disorder and/or overweight .STD prostatitis or benign prostate surgery .PREF+/PREFprostate cancer, present .STD/DEC without medical problems.PREFwith chronic upper respiratory infections.STD with diabetes, heart or lung disease .DEC if proven benign by biopsy/ultrasound .PREF+/PREFif 8 or above not proven benign.DEC Spinal Stenosismild, non-progressive .PREF Stent (Cardiac)after 6 months, with good results.PREF/STD Strokeafter 5 years, no neurological residuals.STD successful surgical treatment, no residual effect, no cognitive deficit,no other vascular or neurological diseases, nonsmoker, stable 1 year .STDpresent, unoperated, stable 4 years.IC within 1 year, or untreated, or with any cardiovascular or mild, controlled with non-steriodal drugs.PREF neurological disorders, or cognitive impairment .DEC moderate to severe, requiring multiple medications.STD/DECwith functional limitations.DEC Subdural Hematomasuccessful surgical treatment, no residual effect, no cognitive deficit, no other vascular or neurological diseases, nonsmoker, no progression for at least 1 year, mild symptoms, affecting eyes or other organs, moderate within 1 year, or untreated, or with any cardiovascular or neurological disorders, or cognitive impairment .DEC if caused by bony compression and relieved, stable 6 months; no functional impairment .PREF+ caused by bony compression which has been relieved and stable 6 months, with minimal current symptoms, no functional impairment.PREFif due to bony compression, not resolved, mild symptoms, no functional impairment.STDif due to cardiovascular or neurological disorder(s), or with any functional impairment regardless of cause, or surgery recommended or pending.DEC Surgeries planned .DECRisk class will be determined by specific conditions.
Waiting period is generally 6 months after dischargefrom further follow-up by M.D.
Temporal Arteritispresent .DEC1 year after recovery .PREF/STD Thromboangiitis Obliterans (Buerger’s Disease).DEC Thrombocythemia (elevated blood platelets) .DEC Thrombocytopenic Purpura (low blood platelets).DEC TIA (Transient Ischemic Attack)after 2 years.STDmultiple attacks.DECsmoker .DEC Tremorsclassified as benign or familial.PREF+/PREFclassified as Parkinsonism.DEC Ulcers (Duodenal or Peptic)occasional medication .PREF+chronic or bleeding.PREF/STDsurgery scheduled.DEC Varicose Veinsuncomplicated, without medication.PREF+medication required or with skin ulcers.PREF/STDwith ambulatory restrictions or other complications .DEC Vertigocontrolled with medication .PREFnot controlled.DEC Allianz Life Insurance Company of North America Products, features, and services are available only in California.

Source: http://longinsurance.com/docs/AllianzUWGuide.pdf