uninsurable Conditions

These conditions or combinations of conditions or impairments are usually considered uninsurable and therefore it is highly doubtful that a Quoted offer by the underwriter for coverage will not be made.

Acquired Immune Deficiency Syndrome (AIDS) Heart Transplant
AIDS-related complex (ARC) HIV positive state
Alzheimer's disease Hunter's Syndrome
Amyotrophic Lateral Sclerosis (“ALS” or “Lou Gehrig's disease”) Huntington's Chorea
Autonomic neuropathy or Shy-Dragger's Syndrome Hydrocephalus, untreated
Brain or central nervous system cancers Hypertension — severe and uncontrolled
Cancer that has metastasized Liver transplant
Coronary artery disease - advanced with diabetes Malignant Mesothelioma
Cerebral atrophy Multiple Myeloma
Chemotherapy Multiple Sclerosis -progressive
Chronic dialysis therapy Myelodysplasia or dysplastic anemia
Chronic organic brain syndrome Oxygen therapy
Chronic pancreatitis Organ transplants other than kidney
Cirrhosis of the liver Peripheral vascular disease — Severe with Diabetes
Congestive heart failure — chronic, recurrent, uncompensated or symptomatic Psychotic disorders in past 2 years
Cystic Fibrosis Quadriplegias
Current drug or alcohol dependency Pulmonary hypertension — primary
Current eating disorders (bulimia or anorexia) Radiation therapy — receiving current treatment for cancer
Dementia Sarcoidosis — stage IV Demyelinating Disease
Seizure disorder / Epilepsy — uncontrolled Diabetes with renal disease
Systemic lupus erythematosis with renal disease Diabetes with severe coronary artery disease
Vascular Disease Whipple's diseasee
Esophageal varices