Declinable Health Conditions
This list is not all inclusive, but it includes conditions that may cause an application to be declined.
- Diabetes — requiring injections (insulin or non-insulin); requiring more than three diabetes medications; or in combination with:
- Heart conditions, including but not limited to history of heart attack, bypass surgery, angioplasty, or stents
- Circulatory conditions, including but not limited to stroke, TIA, or peripheral vascular disease
- Kidney disease
- Neuropathy
- Retinopathy
- Congestive heart failure
- Alzheimer’s disease, organic brain syndrome, senile dementia, or memory loss
- Amyotrophic lateral sclerosis (ALS), Parkinson’s disease, or multiple sclerosis
- Cirrhosis of the liver
- Chronic renal failure, kidney failure, or receiving dialysis
- Hepatitis C
- Lupus
- COPD and/or emphysema
- Uses or has oxygen tank for lung disease
- Currently requires assistance with activities of daily living, walking, use of a wheelchair, or is bedridden
- Bipolar disorder, schizophrenia, or major depression
- Myasthenia gravis
- Peripheral vascular disease
- Any follow-up testing or surgeries have been recommended but haven’t been performed yet
- Not yet released from a doctor after surgery
- Currently receiving physical/occupational therapy
- Currently receiving home healthcare services
- Organ transplant
- HIV/AIDS
- Anemia (except mild iron deficiency)
- Currently confined to a hospital, nursing facility, or receiving hospice care
- Within past two years (multiple episodes, complications or combinations of conditions may result in a decline beyond two years):
- Treated for or diagnosed as having internal cancer, melanoma, leukemia, Hodgkin’s disease, or lymphoma
- Crohn’s disease
- Ulcerative colitis
- History of stroke, TIA (transient ischemic attack), heart attack, heart surgery (including bypass or balloon), stent placement of any vessel, or angioplasty
- Seizure disorder
- Blood clots
- Pacemakers and defibrillators (within the past year)
- Multiple basal cell carcinomas
- Angina
- Rheumatoid arthritis
- Gastric bypass/bariatric surgery
- Aneurysm (cerebral, abdominal, or aortic)
- Atrial fibrillation or rhythm disorder
- Fractures due to osteoporosis
- Pancreatitis (chronic or recurrent)