Arias Verification

All applicants on the application must be on the survey. List MBD for each insured, instead of the total all on one.

If you have an application package with one or more clients on different apps (ex. one on a Super Combo and one on a Senior app) a survey should be submitted per applicant on differing applications.

Senior Medical Questions

Has any proposed insured ever been rejected for insurance by American Income Life?

Yes No

Has any proposed insured been advised to have or had a heart, lung, liver or bone marrow transplant?

Yes No

Has any proposed insured been diagNosed or treated for cirrhosis, Alzheimer's disease, ALS or senile dementia?

Yes No

Has any proposed insured had a toe, foot or leg amputated due to illness or disease?

Yes No

In the past 2 years, has the proposed Insured been hospitalized for heart attack or stroke or been diagnosed or received treatment for cancer (other than non-melanoma skin cancer) or other malignant tumor or growth?

Yes No

Is the proposed Insured bedridden, hospitalized, a resident of a nursing facility or require oxygen equipment to assist in breathing in the home setting?

Yes No

Medical Questions

Has any proposed insured ever been convicted of a DWI or DUI?

Yes No

Has any applicant ever been arrested?

Yes No

Has any proposed Insured ever had or been treated for Angioplasty, Coronary Bypass, Heart Attack, Heart Failure, Angina, or Artery Disease?

Yes No

Has any proposed Insured ever been diagnosed as having or received treatment for high blood pressure?

Yes No

Has any proposed Insured ever had or been treated for Diabetes?

Yes No

Has any proposed Insured taken medications for Anxiety or Depression?

Yes No

Has any proposed Insured ever been diagnosed as having or received treatment for cancer, tumor or unexplained masses (including benign tumors)?

Yes No

Are you currently taking or have you been prescribed medications by a doctor in the past five years?

Yes No

In the past 5 years, has any proposed insured been to the ER or Hospital?

Yes No

Has any proposed insured ever been diagnosed with or treated for Crohn's, Cystic Fibrosis, COPD, Seizures, Scleroderma, Alzheimer's, Multiple Sclerosis (MS), Stroke, Sickle Cell Anemia, liver, or kidney issues?

Yes No

Account Verification

A valid checking account is for participation in the program.

Unfortunately, debit, credit or pre-paid accounts are not accepted at this time.

Is the client using a checking account?

Yes No

What Comes Next?

Underwriting Process

The client knows a prescription history check will verify all prescription medications they've had over the last ten years and will be compared to what is listed on the application.
Medical records may be ordered from their physicians.
An exam may be requested which will be done privately in their home by a licensed nurse wearing full protective equipment.

If needed, you will reach out in order to assist in the process.

Looking to send a verificaiton survey? Visit https://agents.ariaslife.com/verify

Please bookmark the above link. https://ariaslife.com/verify will no longer be accessible Nov. 5th, 2024

Proposed Insured Information

Senior Medical Questions

Medical Questions

Account Verification

What Comes Next?

Looking to send a verificaiton survey? Visit https://agents.ariaslife.com/verify

Please bookmark the above link. https://ariaslife.com/verify will no longer be accessible Nov. 5th, 2024

Proposed Insured Information

Senior Medical Questions No to All

Medical Questions No to All

Account Verification

What Comes Next?

Senior Medical Questions

Medical Questions