This document is an American‑Amicable agent/underwriting manual for the Home Certainty product family (term life and related products) that includes: an extensive Prescription Reference Guide (alphabetical drug list mapping medication → common clinical use(s) → RX lookback window → plan eligibility decisions such as Decline, Standard, See Impairment Guide); a Medical Impairment Guide linking diagnoses, time-since-event, and application question references to underwriting outcomes and rider eligibility; "Products at a Glance" tables summarizing issue ages, face amount limits, underwriting types, available riders, and modal factors; comprehensive premium rate tables per $1,000 for multiple term lengths including a 75% Return‑of‑Premium option; and agent/admin procedures (application routing, bank draft/eCheck, telephone interview vendor). It also lists company contact/service hours and specific underwriting rules (e.g., hypertension: controlled with ≤2 medications may qualify, 3+ meds ineligible; diabetes: diagnosis before age 35, insulin use, or recent tobacco use can cause ineligibility).
Questions this document answers
8:00 a.m. – 4:45 p.m. Monday–Friday Central Time (excluding holidays).
8:00 a.m. – 4:00 p.m. Monday–Friday Central Time (excluding holidays).
Monthly: 0.088 (or 0.094/0.090/0.0875 etc. by product table); Quarterly: 0.262 (or 0.273/0.265/0.265/0.270); Semi‑Annual: 0.519 (or 0.537/0.520/0.530).
$80 policy fee.
75% of premiums returned at the end of the level premium period.