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)