UNINSURABLE CONDITIONS

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  • Acoustic Neuroma (unoperated)

  • Acromegaly​

  • ADL Deficit

  • AIDS/ARC

  • Adult Day Care within 6 months

  • Agoraphobia

  • Alcohol 4 or more drinks daily

  • Alcoholism with any current alcohol use

  • ALS

  • Alzheimer’s Disease

  • Amputation due to disease, other than cancer

  • Amputation 2 or more limbs

  • Amyloidosis

  • Ankylosing Spondylitis

  • Anorexia

  • Aplastic Anemia

  • Arnold-Chiari Malformation

  • Arrhythmia (uncontrolled)

  • Arteriovenous Malformation (AVM)

  • (unoperated)

  • ​​Arthritic requiring narcotic pain medication

  • Asperger’s Syndrome

  • Assisted Living Facility (resident within 6 months)

  • Ataxia

  • Avascular Necrosis (unoperated)

  • Back Pain (disabling or requiring  narcotic pain medication)

  • Bell’s Palsy (present)

  • Benig  Positional Vertigo (BPV) 

  • (with falls)

  • Bipolar (diagnosed within 3 years, psychiatric hospitalization within 2 years, 2 or more psychiatric hospitalizations)

  • Blindness (not adapted or with  ADL/IADL limitations)

  • Bowel Incontinence

  • Buerger’s Disease

  • Bulimia

  • Bullous Pemphigoid (active)

  • Cardiomyopathy (dilated)

  • Castleman’s

  • Cerebral Aneurysm (unoperated)

  • Cerebral Palsy

  • Cerebrovascular Accident (CVA) 

  • (2 or more)

  • Charcot Marie Tooth

  • Chronic Pain (requiring narcotics, TENS unit, implantable stimulator,ADL/IADL deficit)

  • Cirrhosis

  • Complex Regional Pain Syndrome

  • Confusion

  • Connective Tissue Disease

  • Cor Pulmonale

  • CREST Syndrome

  • Crohn’s (multiple flares or with complications)

  • Cushing’s Syndrome

  • Cystic Fibrosis

  • Defibrillator (implanted)

  • Dementia

  • Dermatomyositis

  • Diabetic Complications (neuropathy, nephropathy, retinopathy, gastropathy)

  • Dialysis

  • Dilated Cardiomyopathy

  • Disabled, except VA disability

  • Down’s Syndrome

  • Dwarfism

  • Dystonia

  • Ehlers-Danlos

  • Epilepsy (>2 seizures/year)

  • Epstein-Barr Virus (within 2 years)

  • Fibromuscular Dysplasia

  • Fibromyalgia (disabling)

  • Frailty

  • Friedrich’s Ataxia

  • ​Gaucher’s

  • Glomerulonephritis

  • Head Injury (residual functional or cognitive impairment)

  • Heart Transplant

  • Hemiplegia

  • Hemophilia

  • Hepatitis (chronic, active, alcohol related, residual liver damage)

  • HIV Positive

  • Hoarding

  • Home Health Care (within 6 months)

  • Huntington’s Chorea Hydrocephalus

  • IADL Deficit

  • Immune Deficiency

  • Implantable Stimulator

  • Irritable Bowel Syndrome (uncontrolled or with weight loss)

  • Kidney Failure

  • Kidney Transplant

  • Lacunar Infarct (2 or more)

  • Liver Transplant

  • Lou Gehrig’s Disease

  • Lupus (systemic)

  • Marfan’s Syndrome

  • Medicaid Recipient Memory Loss

  • Mental Retardation

  • Mixed Connective Tissue Disease

  • Multiple Myeloma

  • ​​Multiple Sclerosis

  • Muscular Dystrophy

  • Myelodysplasia

  • Myelodysplastic Syndrome

  • Myelofibrosis

  • Myasthenia Gravis (generalized)

  • Neurofibromatosis

  • Neurogenic Bowel or Bladder

  • Neuropathy (related to diabetes or alcohol, or with history of falls or skin ulcers), or severe

  • Nursing Home resident  (within 6 months)

  • Occupational Therapy 

  • (within 3 months*)  *contact Underwriting to prequalify if within 3 months

  • Organ Transplant

  • Organic Brain Syndrome

  • Osteoporosis (T score -4.0 or worse)

  • Oxygen use

  • Pancreas Transplant

  • Pancreatitis (alcohol related, or >2 episodes)

  • Paralysis

  • Paraplegia

  • Parkinson’s Disease Pemphigus Vulgaris Physical Therapy (within 3 months*) *contact Underwriting to prequalify if within 3 months

  • Pick’s Disease

  • ​Polycystic Kidney Disease

  • Polymyositis

  • Polyneuropathy

  • Post Herpetic Neuralgia

  • Post Polio Syndrome (with progressive weakness, fatigue, or limitations)

  • Pregnancy (Is pregnant or receiving medical treatment to become pregnant)

  • Primary Biliary Cirrhosis

  • Pseudotumor Cerebri

  • Psychiatric Hospitalization (within 3 years, or 2 or more)

  • Psychosis

  • Pulmonary Hypertension

  • Quad Cane use Quadriplegia

  • Reflex Sympathetic Dystrophy

  • Retinal Vein Occlusion (2 or more)

  • Schizophrenia

  • Scleroderma

  • Sclerosing Cholangitis

  • Shingles (within 6 months)

  • Sjogren’s Syndrome (systemic)

  • Social Withdrawal

  • Speech Therapy (within 3 months*)  *contact Underwriting to prequalify if within 3 months

  • Spina Bifida

  • Stroke (2 or more)

  • Surgery (requiring general anesthesia scheduled or planned)

  • Systemic Lupus

  • Thalassemia Major

  • Transient Ischemic Attack (TIA) (2 or more)

  • Tuberculosis

  • Underweight

  • ​Ventriculoperitoneal shunt Von Willebrand’s Disease

  • Walker use

  • Wegener’s Granulomatosis

  • Weight loss (unintentional or unexplained)

  • Wheelchair use​

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