Agent Resource Guide

AGENT RESOURCE GUIDE

INTRODUCTION

Standard Life and Accident Insurance Company attempts to meet the needs of its agent by providing them with user friendly up-dated information. This book was designed to assist you in identifying drugs and their uses, furnish you with various medical and insurance related definitions, and offer suggestions for special medical questions related to certain impairments. These will help you select the best applicants and you canmove on to yournext client.

The applicant and you are the best sources of information available to assist us in the compilation of a complete and accurate personal health profile. As a Company, we value your partnership and will endeavor to meet your needs by providing relevant, timely, and updated information.

SPECIAL MEDICAL QUESTIONS

Review the heading. If your applicant indicates any of the following situations, here are questions to help you proceed:

CHECKUP

What was the date and reason for the checkup?
What symptoms prompted the checkup?
What tests were done and what were the results of each?
What medication was given?
Were any further studies recommended or planned?

ARTHRITIS

What type of arthritis such as rheumatoid, osteo, gouty, juvenile, etc?
What joints are involved?
Is there any swelling or joint deformity?
What medication or treatment is given?
What was the date of the most recent arthritic episode?
Are there any restricted activities?
Is it disabling?

RESPIRATORY CONDITIONS INCLUDING : ALLERGIES, ASTHMA, EMPHYSEMA, BRONCHITIS

How many attacks occur per year?

What was the date of the last attack?
How disabling are the attacks?
Are any days lost from work or school and if so, how many?
What medication is used to control the attacks?
Between attacks, what medication is used and how often?
Are any injectable drugs required and if so, what?
Has hospitalization ever been required and if so, when?

9Is tobacco used and if so, what kind?

BACK AND NECK

What areas of the back and neck are affected?
Was the applicant unable to work and if so, for how long?
How long did the symptoms last?
How is the ailment treated and is there any current treatment?
What medications were prescribed and are they still used?
When was the doctor last seen?
Is the applicant discharged from the physician’s care?
What was the date of the last symptom and what was the symptom?
Was there any radiation of pain or numbness down the arms or legs?
Was the condition disabling or was disability benefits received or applied for?

BLOOD PRESSUSRE/HYPERTENSION

How long has the applicant been under treatment?
How often is the blood pressure checked and by whom?
What medication is taken (name them) and how often?
What are the latest readings?
When was the condition diagnosed?

EIPLEPSY, SEIZURES OR FAINTING SPELLS

Describe the type of seizure, epilepsy or fainting spell.
What were the dates of the first episode and last episode?
How often do symptoms occur?
What studies have been done, and what were the dates and results of the studies?
How often is follow up required?
Name the medications taken and when was the physician last seen for this condition?

HEART MURMUR

When was the condition diagnosed?
What type of murmur is it such as systolic or diastolic?
How was the murmur diagnosed and describe the tests used and the date.
What doctor ordered the tests and what doctor has the applicant seen most recently?
Are activities restricted and if so describe?
What medication is required?

URINARY TRACT DISORDERS INCLUDING KIDNEY AND BLADDER

What is the name of the disorder or disorders?
Have many episodes have occurred and what dates?
What tests have been done and what were the results?
Is any surgery or continuing treatment recommended?
How was the condition treated and what medications were used?
Are medications still used and if so, what?
If kidney stone was present, was it passed, surgically removed or still present?
If kidney stone was surgically removed, how was this done such as open surgery or lithotripsy?

MENTAL AND EMOTIONAL DISORDERS

What was the diagnosis?
How was the condition treated and by whom?
Was hospitalization required and if so, for how long?
Were counseling or psychotherapy used and if so explain type of treatment and dates.
What medications were used and what is currently used?
If medication was discontinued, what was the date last used?
Was there any disability and if so, when and for how long?
Is the applicant still under medical care and if so, with whom?
If applicant has been discharged from care, what was the date?

STOMACH, INTESTINE, COLON DISORDERS

What was the diagnosis and if an ulcer, what type such as peptic, esophageal, stomach or duodenal?
How is the condition treated and how long has it required treatment?
When was medication last taken and what was the medication?
Is a special diet required and if so, what type?
Has there been bleeding from the gastrointestinal tract and if so, when?
Has hospitalization been required and if so, when and for how long?
Was surgery needed and if so, describe what was done.
Was gastritis, irritable bowel, hiatal hernia, or esophageal reflux or stricture present and if so, which and how was it treated?
Is there a history of ulcerative colitis, Crohn’s Disease, ileitis or inflammatory bowel disease?

THYROID DISORDERS

Is the problem hyperthyroid (overactive) or hypothyroid (underactive)?
Are nodules or goiter present?
How is the condition treated? Name the medications or types of surgery.
Are there any current symptoms and if so, what are they?
Is there a history of thyroiditis?

TUMOR, POLYP, CYST

What type of growth was it and is it still present?
Where is the growth located and describe site and organ.
How was the growth removed such as surgery, burned off, topical medication or radiation?
At what facility was the growth removed such as doctor’s office, outpatient clinic or hospital?
What did the doctor call the growth or what was the pathological diagnosis?
Was any treatment or follow up needed after the growth was removed?
Was the growth diagnosed as cancer and if so, what kind?

OTHER CONDITIONS

When was the doctor seen and give all dates?
Why was the doctor seen?
What symptoms or complaints prompted the visit?
What tests were done and what were the results?
What did the doctor call the disorder?
Was medication prescribed and if yes, what was the name of the drugs? (These will be on the medication container).
Is medication still used and if not, when was it last taken?
Are there any remaining symptoms or signs of the disorder and if yes describe them and when they occurred?
Is there any residual impairment or disability?
Were any other doctors seen? (If yes, repeat drilldown of above questions.)

CONSTRUCTION

What kind of employment industry does the applicant work?
Is Worker’s Compensation available?
Is the applicant covered by Worker’s Compensation?
Describe the job duties.
Describe the daily activities.
Where is the job site or location?
Describe the equipment used and amount of time using it on the job.
Have there been any on-the-job injuries in the past 2 years and if so, describe them?
How long has the applicant been employed in this position?
Are any certificates or licenses required?

TRUCK DRIVING

What is the average number of miles driven per day?
Do you drive outside your state and if yes, where and how often?
Have there been any traffic violations in the past 3 years and if yes, what were they and give dates.
Are there any overnight stays?
What type of vehicle is used on a daily basis?

GENERAL

What is the activity or avocation?
How often is the activity or avocation performed?
Are any special licenses or certificates needed?

NAME OF DRUG AND COMMON USES

Abilify / Mental/nervous disorders
Accupril / Hypertension
Aciphex / Gastrointestinal disorders
Aclovate / Skin disorders
Actiq / Pain control
Actonel / Osteoporosis
Acyclovir / AIDS, herpes infections
Adalat / Hypertension
Adderall / Attention deficit disorder, ADHD
Adipex / Obesity, weight control
Advair / Respiratory disorders
Aerobid / Respiratory disorders
Albuterol / Respiratory disorders
Aldactazide / Hypertension
Aldomet / Hypertension
Aldoril / Hypertension
Alesse / Contraception
Allopurinol / Gout, hyperuricemia
Alprazolam / Anxiety, mental disorders
Altace / Hypertension
Alupent / Respiratory disorders
Amaryl / Diabetes mellitus, hyperglycemia
Ambien / Insomnia, sleep disorders
Amerge / Headaches, migraines
Amitriptyline / Mental disorders
Amoxicillin / Infections
Anafranil / Mental disorders
Anaprox / Pain, analgesia
Anaspaz / Intestinal & bladder disorders
Ansamycin / HIV infections
Antabuse / Alcohol abuse, alcoholism
Antivert / Dizziness, vertigo
Apresoline / Hypertension
ARAVA / Rheumatoid arthritis
Aricept / Alzheimer’s Disease, dementia
Arthrotec / Musculoskeletal disorders
ASA(aspirin) / Fever, pain
Asacol / Ulcerative colitis & proctitis
Atrovent / Respiratory disorders
Azmacort / Respiratory disorders
Atacand / Hypertension
Atarax / Allergies, insomnia, depression
Atenolol / Hypertension
Ativan / Mental disorders
Avodart / Prostate disorders
Atromid / Elevated lipids
Avodart / Prostate disorders
Avalide / Hypertension
Avandia / Diabetes mellitus, hyperglycemia
Avapro / Hypertension
Avelox / Infections
Avonex / Multiple sclerosis
Axid / Gastrointestinal disorders
Azilect / Parkinson Disease
AZT / AIDS
Azulfidine / Inflammatory bowel disease
Baclofen / Multiple sclerosis, spinal disorders
Bactrim / Infections
Benemid / Gout, hyperuricemia
Baycol / Elevated lipids
Beclomethasone / Respiratory disorders
Beclovent / Respiratory disorders
Beconase Inhaler / Allergies, respiratory disorders
Belladonna / Rectal & bladder spasms
Benadryl / Allergies, motion sickness
Bentyl / Gastrointestinal disorders
Benzac / Acne
Betaseron / Multiple sclerosis
Betimol / Hypertension, glaucoma, angina
Bextra / Musculoskeletal disorders & pain
Biaxin / Infections
Bicillin / Infections
BiDil / Peripheral & cardiovascular disorders
Blocadren / Heart disease
Boniva / Osteoporosis
Brethine / Asthma, premature labor
Brevelle / Ovulatory stimulant
BusPar / Mental/nervous disorders
Caduet / Hypertension/hyperlipidemia
Calan / Hypertension
Calcitonin / Osteoporosis, bone disorders
Calcitrol / Hypoparathyroidism, renal failure
Campral / Alcoholism
Capoten / Hypertension
Capozide / Hypertension
Captopril / Hypertension
Carafate / Ulcer disease
Carac / Skin disorders
Cardizem / Hypertension
Cardura / Hypertension, prostate disorder
Catapres / Hypertension
Ceftin / Infections
Cefzil / Infections
Celebrex / Musculoskeletal disorders & pain
Celecoxib / Musculoskeletal disorders & pain
Celestone / Skin disorders, asthma, allergies
Celexa / Mental disorders
Centany / Skin disorders
Cephalosporin / Infections
Chlorothiazide / Edema, hypertension
Chlorpromazine / Nausea, psychotic disorder
Cialis / Impotence, erectile dysfunction
Cimetidine / Gastrointestinal disorders
Cipro / Infections
Claritin / Allergy, urticaria hives
Cleocin / Infections
Clindamycin / Infections
Clinoril / Musculoskeletal disorders
Clobex / Psoriasis
Clofibrate / Elevated lipids
Clobex / Skin disorders
Clomid / Infertility
Clonazepam / Seizures, panic disorders
Clonidine / Hypertension,
Concerta / Attention deficit disorder, ADHD
Cogentin / Parkinson’s Disease
Cognex / Alzheimer’s Disease, dementia
Colbenemid / Gout, hyperuricemia
Colchicine / Gout, hyperuricemia
Compazine / Anxiety, nausea, vomiting
Contuss / Respiratory disorders
Copegus / Hepatitis C
Corgard / Hypertension
Cortef / Adrenal insufficiency
Cortisol / Adrenal disorders
Coumadin / Stroke, blood clot, heart disease
Cozaar / Hypertension
Crestor / Elevated lipids
Cyclobenzaprine / Musculoskeletal disorders, spasms
Cylert / Attention deficit disorder, ADHD
Cymbalta / Mental/nervous disorders
Cystospaz / Bladder & bowel disorders
Cytomel / Thyroid disorder
Dalmane / Sleep disorder, insomnia
Danocrine / Endometriosis, breast cysts
Daraprim / Malaria
Darvocet / Pain, analgesia
DayPro / Musculoskeletal disorders
DDAVP / Diabetes insipidus, enuresis
Decadron / Respiratory & musculoskeletal disorders
Deltasone / Respiratory & musculoskeletal disorders
Demerol / Pain, sedation
Demulen / Contraception
Depakote / Seizures, convulsive disorders
Depakene / Seizures, convulsive disorders
Depo Provera / Abnormal uterine bleeding, amenorrhea, menopause
Desogen / Contraception
Desyrel / Depression, sleep disorder
Detrol / Urinary disorder, incontinence
Dexedrine / Attention deficit disorder, narcolepsy
Diabenese / Diabetes mellitus, hyperglycemia
Diabeta / Diabetes mellitus. Hyperglycemia
Diamox / Edema, fluid retention, glaucoma
Diazepam / Anxiety, panic disorders
Dibent / Urinary tract & intestinal disorders
Dicyclomine / Gastrointestinal disorders
Diflucan / Fungus infections, vaginitis
Digoxin / Heart disorders
Dilantin / Seizures, convulsive disorders
Diovan / Hypertension
Dipentum / Ulcerative colitis
Diphenoxylate / Diarrhea
Dipyridamole / Heart disorder
Disalcid / Musculoskeletal disorders
Disopyramide / Heart disorders
Ditropan / Urinary disorders, incontinence
Domperidone / Gastrointestinal disorders
Donnatal / Gastrointestinal disorders
Dostinex / Pituitary gland disorders
Doxepin / Mental disorders
Doxycycline / Infections
Dramamine / Motion sickness, vertigo
Duracef / Infections
Dur-a-gest / Respiratory disorders
Dynacirc / Hypertension
Effexor / Mental disorders
Efudex / Skin keratoses & skin cancer
Elavil / Mental disorders
Eligard / Prostate cancer
Elmiron / Bladder disorders
Emtriva / HIV infection
Enablex / Incontinence, overactive bladder
Enbrel / Rheumatoid arthritis, psoriasis
Enduron / Edema, fluid retention
Enjunvia / Menopause
Entex / Allergy, respiratory disorders
Erythromycin / Infections
Esidrix / Hypertension, fluid retention
Estradiol / Abnormal uterine bleeding, menopause
Eskalith / Manic depression, bipolar disorder
Ethambutal / Tuberculosis
Etrafon / Mental disorder
Euthroid / Thyroid disorder
Evista / Osteoporosis prevention, menopause
Evoxac / Sjogren’s Syndrome
Exelon / Alzheimer’s Disease, dementia
Famciclovir / Genital herpes, shingles, AIDS
Famvir / Genital herpes, shingles, AIDS
Fiancé / Skin disorders
Feldene / Musculoskeletal disorders, pain
FemRing / Menopause
Finacea / Skin disorders, acne
Fioricet / Pain, analgesia
Fiorinal / Pain, sedation
Flagyl / Yeast infections, vaginitis
Flexeril / Musculoskeletal disorders
Flovent / Respiratory disorders
Floxin / Infections
Fluoroqunolones / Infections
Fluoxetine / Mental disorders, bulimia
Fluorouracil / Cancer, skin keratoses & cancer
Focalin / ADD/ADHD
Fosamax / Osteoporosis, osteopenia
Forteo / Osteoporosis
Frovea / Headaches
Furosemide / Edema, fluid retention
Geodon / Mental/nervous disorders
Glipizide / Diabetes mellitus, hyperglycemia
Glucophage / Diabetes mellitus, hyperglycemia
Glucotrol / Diabetes mellitus, hyperglycemia
Glucovance / Diabetes mellitus, hyperglycemia
Glyburide / Diabetes mellitus, hyperglycemia
Guanethidine / Hypertension
Habitrol / Smoking cessation aid
Halcion / Sleep disturbance, insomnia
Haldol / Mental disorders
Humbid / Respiratory disorders
Humira / Rheumatoid arthritis, inflammatory bowel disease, psorisis
Humulin / Diabetes mellitus
Hycort / Skin, joint, intestinal disorders
Hydrocodone / Pain, analgesia
Hydrocortisone / Adrenal, skin & bowel disorders
Hydralazine / Hypertension, fluid retention
Hydro chlorothiazide / Edema, fluid retention
Hydrodiuril / Edema, fluid retention
Hygroton / Hypertension, urinary retention
Hyosine / Gastrointestinal disorders, motion sickness
Hytrin / Hypertension, urinary disorders
Hyzaar / Hypertension
Ibuprofen / Pain, fever, analgesia
Iletin Insulin / Diabetes mellitus
Imipramine / Anxiety, panic disorder, enuresis
Imitrex / Headaches
Imodium / Diarrhea
Imuran / Rheumatoid arthritis, immune disorders, Crohn’s Disease
Inderal / Hypertension, heart disorder, headaches
Indocin / Musculoskeletal disorders
Indomethacin / Musculoskeletal disorders
Intal / Respiratory disorders
Inspra / Hypertension
Insulin / Diabetes mellitus
Interferon / Cancer, liver disorders
Invega / Mental disosrders
Isoniazid / Tuberculosis
Isoptin / Hypertension
Isordil / Heart disorders
Isosorbide Dinitrate / Heart disorders
Keftabs / Infection
Keflex / Infection
Kefurox / Infections
Keneret / Musculoskeletal disorders
Keppra / Seizures , convulsive disorders
Kerlone / Hypertension
Ketopofen / Musculoskeletal disorders
Klonopin / Mental disorders
Klotrix / Potassium deficiency
Lamisil / Fungus infections
Lanoxin / Heart disorders
Lasix / Edema, fluid retention
Lescol / Elevated lipids
Levaquin / Infections
Levbid / Intestinal & urinary disorders
Levitra / Impotence, erectile dysfunction
Levo Dopa / Parkinson’s Disease
Levsin / Intestinal & urinary tract disorders
Levsinex / Intestinal & urinary tract disorders
Lexapro / Mental/nervous disorders
Lialda / Ulcerative colitis
Librax / Gastrointestinal disorders
Librium / Anxiety
Lipitor / Elevated Lipids
Lithium / Manic Depression, bipolar disorder
Lodine / Musculoskeletal disorders, pain
Lomotil / Diarrhea
Lopid / Elevated lipids
Lopressor / Hypertension
Lorazepam / Mental disorders
Lotrel / Hypertension
Lovastatin / Elevated lipids
Lozol / Hypertension
Ludiomil / Mental disorders
Lumigan / Glaucoma
Lunesta / Insomnia, sleep disorder
Lupron / Endometriosis, infertility
Lyrica / Neuralgia, neuropathic pain
Macrobid / Urinary tract infections
Macrodantin / Urinary tract infections
Mavik / Hypertension
Maxair / Respiratory disorders
Maxolon / Gastrointestinal disorders
Maxitrol / Eye disorders
Maxide / Fluid retention, hypertension
Meclizine / Vertigo, dizziness
Meclomen / Musculoskeletal disorders
Medrol / Respiratory disorders, arthritis, colitis
Medroxyprogesterone / Abnormal uterine bleeding, amenorrhea, menopause
Mellaril / Mental disease
Meridia / Obesity, weight loss
Mesalamine / Ulcerative colitis
Methotrexate / Cancer, arthritis, psoriasis
Methyldopa / Hypertension
Meticorten / Arthritis, respiratory disorders, colitis
MetroGel / Skin & colon disorders, vaginosis
Mevacor / Elevated lipids
Miacalcin / Osteoporosis
Micronar / Amenorrhea, endometriosis
Micronase / Diabetes mellitus, hyperglycemia
Minipress / Hypertension
Midamor / Hypertension
Mirapax / Restless leg syndrome
Mobic / Musculoskeletal disorders
Moduretic / Edema, fluid retention
Monopril / Hypertension
Mycobutin / HIV, tuberculosis
Myochrysine / Arthritis, pemphigus
Mysoline / Seizure & convulsive disorders
Nadolol / Heart disorders
Naldecon / Allergies, respiratory disorders
Namenda / Alzheimer’s Disease, dementia
Naprelan / Musculoskeletal disorders, pain
Naprosyn / Musculoskeletal disorders
Naproxen / Musculoskeletal disorders
Nasalide / Allergies, sinusitis
Nasacort / Allergies, sinusitis
Neoral / Tissue rejection, rheumatoid arthritis, psoriasis