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)