Cirrhosis is a late stage of scarring (fibrosis) of the liver caused by many forms of liver diseases and conditions such as hepatitis and chronic alcoholism.

| Aetna | Modified Only |
| Aflac | Modified Only |
| Americo | Decline |
| Living Promise | Decline |
| Royal Neighbors | Decline |
| Corebridge | Decline |
| TransAmerica | Decline |
| Prudential | Decline |
| GTL | Not specifically mentioned |
Crohn's Disease is an inflammatory bowel disease. It causes inflammation of your digestive tract, which can lead to abdominal pain, severe diarrhea, fatigue, weight loss and malnutrition.

| Aetna | Not specifically mentioned |
| Aflac | Not specifically mentioned |
| Americo | May be eligible for Select 1 or Select 2 |
| Living Promise | OK |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Not specifically mentioned |
| TransAmerica | Allowed |
| Prudential | Not specifically mentioned |
| GTL | Not specifically mentioned |
Dialysis is a treatment that takes over for your kidney functions if those organs stop doing their job.

| Aetna | Decline if done or recommended in the past year |
| Aflac | Decline if done or recommended in the past year |
| Americo | Decline |
| Living Promise | Decline |
| Royal Neighbors | Decline |
| Corebridge | Decline |
| TransAmerica | Decline if done or recommended in the past year |
| Prudential | Decline if done or recommended ever |
| GTL | Decline if within the last 24 months |

| Aetna | Not specifically mentioned |
| Aflac | Not specifically mentioned |
| Americo | May be eligible for Select 1 or Select 2 |
| Living Promise | Decline if PI had a physician consultation in the last 12 months |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Not specifically mentioned |
| TransAmerica | Not specifically mentioned |
| Prudential | Not specifically mentioned |
| GTL | Not specifically mentioned |

| Aetna | Modified only if diagnosed, treated or advised treatment within the past 2 years |
| Aflac | Modified only if diagnosed, treated or advised treatment within the past 2 years |
| Americo | Decline |
| Living Promise | Decline if PI has EVER had or been treated for Hepatitis C |
| Royal Neighbors | Hepatitis B and C accepted |
| Corebridge | Decline |
| TransAmerica | Hepatitis B and C accepted |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for Hepatitis B or C |
| GTL | Not specifically mentioned |
Chronic Kidney Disease ,also known as Chronic Renal Disease, describes the gradual loss of kidney function. Your kidneys filter wastes and excess fluids from your blood, which are then excreted in your urine. When chronic kidney disease reaches an advanced stage, dangerous levels of fluid, electrolytes and wastes can build up in your body.

| Aetna | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Aflac | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Americo | Almost certainly a decline for advanced kidney disease or End Stage Renal Disease (ESRD) |
| Living Promise | Decline if PI was diagnosed with or treated for in last 4 years |
| Royal Neighbors | Decline |
| Corebridge | Decline |
| TransAmerica | Allowed, unless diagnosed with kidney failure |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for chronic kidney disease |
| GTL | Not specifically mentioned |

| Aetna | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Aflac | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Americo | Decline |
| Living Promise | Decline |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Decline |
| TransAmerica | Decline |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for liver disease |
| GTL | Not specifically mentioned |
Pancreatitis is inflammation of the pancreas. It happens when digestive enzymes start digesting the pancreas itself. It can be acute or chronic. Either form is serious and can lead to complications.

| Aetna | Not specifically mentioned |
| Aflac | Not specifically mentioned |
| Americo | May be eligible for Select 1 or Select 2 Will decline for Chronic Pancreatitis |
| Living Promise | OK |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Not specifically mentioned |
| TransAmerica | Decline for chronic pancreatitis |
| Prudential | Decline |
| GTL | Not specifically mentioned |
Polycystic Kidney Disease is an inherited disorder in which clusters of cysts develop primarily within your kidneys causing your kidneys to enlarge and lose function over time.

| Aetna | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Aflac | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Americo | Decline |
| Living Promise | Not specifically mentioned |
| Royal Neighbors | Decline |
| Corebridge | Decline |
| TransAmerica | Allowed |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for chronic kidney disease |
| GTL | Not specifically mentioned |
End Stage Kidney (Renal) Disease is the last stage of chronic kidney disease. When your kidneys fail, it means they have stopped working well enough for you to survive without dialysis or a kidney transplant.

| Aetna | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Aflac | If diagnosed, treated or advised to have treatment within the past 2 years, Modified only |
| Americo | Decline |
| Living Promise | Decline |
| Royal Neighbors | Decline |
| Corebridge | Decline |
| TransAmerica | Decline |
| Prudential | Decline for Preferred if ever diagnosed, treated or advised to receive treatment for any chronic kidney disease |
| GTL | Not specifically mentioned |
Ulcerative Colitis is an inflammatory bowel disease that causes long-lasting inflammation and ulcers (sores) in your digestive tract. It affects the innermost lining of your large intestine (colon) and rectum.

| Aetna | Not specifically mentioned |
| Aflac | Not specifically mentioned |
| Americo | May be eligible for Select 1 or Select 2 |
| Living Promise | OK |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Not specifically mentioned |
| TransAmerica | Allowed |
| Prudential | Not specifically mentioned |
| GTL | Not specifically mentioned |