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Immune & Neurological

Modern U.S. life / SI / mortgage-protection underwriting knowledge — actuarial decision framing for software.

Knowledge priority 8/10 Not legacy dump tree

Actuarial software-knowledge disclaimer: These pages synthesize typical U.S. life / simplified-issue / final-expense / mortgage-protection underwriting logic used industry-wide (2024–2026 field guides, carrier appetites, reinsurance mortality framing). They are not any single carrier’s filed rates, not advice to applicants, and not the legacy 2022 database dump. Use them to design interview schemas and carrier-ruleset APIs.

Actuarial view

MS, epilepsy, Parkinson’s, ALS, and major autoimmune disease are evaluated on progression, disability, seizure-free interval, and treatment. Progressive neuro diseases usually decline for Level SI.

Primary risk drivers

Diagnosis
Progression / disability
Last seizure date
DMT / immunosuppressant
ADL loss
Cognitive impairment

Life (full / accelerated)

Map drivers → rate class / flat extra / postpone / decline. Labs & Rx history refine.

Mortgage / FE SI

Controlled epilepsy may pass; progressive neuro usually not level SI.

Health insurance

Specialty Rx (MS DMT) is a health-pricing problem.

Recommended interview logic (software schema)

MS, epilepsy/seizures, Parkinson’s, ALS, paralysis, major autoimmune?

Epilepsy, seizure-free 2–5+ years on stable meds

Often Standard possible

Recent seizure under 12 months

Postpone/decline SI

MS stable on DMT, ambulatory

Carrier niche; some Level FE

Progressive MS / wheelchair / ALS

Decline Level

RA/lupus on biologics, stable

Some Express lists decline certain biologics

Typical decision patterns

Profile	Traditional / Express-style	FE / Mortgage SI path
Long seizure-free interval	STANDARD possible	Mortgage SI possible
ALS / progressive disability	DECLINE	GI

Software implementation note

seizure_free_years, disability_band, diagnosis_code.