Direct answer
It depends on the specific condition and the policy type, as some insurers may offer coverage with a rider excluding that condition or deny coverage entirely based on medical underwriting.
Standard medical underwriting guidelines established by licensed insurance providers. For additional information about the standards governing insurance underwriting, see the National Association of Insurance Commissioners‘ guide to understanding insurance terms.
What this means for you
It depends on the specific condition and the policy type, as some insurers may offer coverage with a rider excluding that condition or deny coverage entirely based on medical underwriting.
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